Jefferson County has over 161,000 Medicare beneficiaries and roughly half of them are on Medicare Advantage. That makes Louisville one of the most competitive Medicare markets in Kentucky, with 67 Advantage plans from 10 different carriers competing for your enrollment. More options should mean better outcomes, but it usually just means more confusion.
That's where MedMyWay comes in. Jeff and Suzanne Janosick are independent Medicare and health insurance brokers who've been helping Kentucky and Greater Cincinnati residents since 2008. Independent means we're not employed by Humana, Anthem, or UnitedHealthcare. We compare plans from every major carrier and recommend the one that actually fits your situation. Our service costs you nothing: carriers pay us the same commission regardless of which plan you choose.
With 67 Medicare Advantage plans available in Jefferson County, the local market skews heavily toward variety. Here's what the 2026 numbers look like:
The top three plans by enrollment tell you a lot about how Louisville chooses: Anthem Medicare Advantage (HMO-POS) leads with over 10,200 enrollees, followed by Humana Community (HMO) at 6,400 and Humana Gold Plus at nearly 4,900. Anthem and Humana dominate this market, but that doesn't automatically make them the right choice for you.
We'll walk through every plan available at your zip code, compare networks, drug formularies, and out-of-pocket costs, and show you exactly where the differences are.
One of the biggest factors in choosing a Medicare Advantage plan here is which hospitals are in-network. Louisville's major systems include:
If your doctors are in the Baptist Health system, you need to pay close attention. Baptist Health ended Medicare Advantage contracts with Humana, UnitedHealthcare, and Wellcare in recent years over reimbursement disputes. That means some of Louisville's most popular MA plans may not cover Baptist providers as in-network. We track these network changes and will flag any conflicts before you enroll.
HMO plans (32 available in Jefferson County) require in-network care and referrals. PPO plans (35 available) give you out-of-network flexibility at higher cost. We'll help you figure out which structure actually works for how you use healthcare.
If you prefer the freedom of Original Medicare with nationwide doctor acceptance, a Medigap plan fills in the coverage gaps. In Kentucky, the major Supplement carriers include Humana, Aetna, Anthem Blue Cross Blue Shield, UnitedHealthcare, and Mutual of Omaha.
Plan G is the most popular option for anyone who became Medicare-eligible after January 1, 2020. You pay only the annual Part B deductible ($257 in 2025), and the plan covers everything else. Kentucky uses attained-age pricing for Medigap, meaning your premium increases as you age, so locking in a plan early matters.
Kentucky also has two Medigap protections worth knowing about:
Every carrier must offer all of its Medigap plans to under-65 disability and ESRD beneficiaries at no more than the weighted average of 65+ rates
You can switch Medigap carriers on the same plan letter within 60 days of your birthday without medical underwriting
We compare quotes from every carrier in Jefferson County and show you the actual rate differences side by side.
Your Initial Enrollment Period starts three months before your 65th birthday and ends three months after. During this window you have guaranteed-issue rights to any Medigap plan without medical underwriting. Miss it, and carriers can deny you or charge more based on health history.
Here's what we walk through together:
Reach out to Jeff or Suzanne before your birthday and we'll map the whole thing out. No pressure, no obligation.
Whether you pair it with Original Medicare and a Medigap plan, or you need standalone coverage, we compare every Part D plan available in your Louisville zip code against your actual medication list. Drug formularies and pharmacy networks vary significantly, and a $30/month drug on one plan can be $90 on another depending on tier placement and pharmacy contracts.
Not Medicare-eligible yet? We also help individuals and families in Louisville find coverage through Kynect (Kentucky's ACA marketplace), non-marketplace PPO plans, and short-term options.
We work with clients throughout Louisville and Jefferson County, including St. Matthews, the Highlands, Middletown, Jeffersontown, Prospect, Shively, Lyndon, Okolona, and Valley Station. We also serve Shelbyville, Shepherdsville, Elizabethtown, Bardstown, and communities throughout Central Kentucky.
We also serve:
