Kentucky is a beautiful state with lots to offer. It’s known for its beautiful rolling hills, horse racing, and Bluegrass music. Older adults who move to Kentucky will find that it has plenty to offer in terms of fun things to do and friendly people. However, there are also some challenges that come with living in a heavily rural area. Here’s what older adults should consider when moving to Kentucky.

Charming Scenery

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One of the things that draw many people to Kentucky is its beautiful scenery. There’s plenty of opportunity for outdoor activities like hiking, biking, boating, and horseback riding, so it’s easy to stay active. When selecting a place to live, consider one of Kentucky’s many charming small towns, which provide a friendly community and plenty of fun things to do. For those who prefer a more urban area, Louisville is growing quickly and has plenty of exciting culture to explore.


Another factor that makes Kentucky a good place for older adults is its affordable property values. A home in Kentucky is generally going to be much less expensive than a home in a large urban area. Kentucky also does not tax social security income and limits taxes of other types of retirement income.

Rural Living

Although there’s plenty to love about Kentucky, it’s also important to note that living in a largely rural area can come with some challenges. Many older adults in Kentucky deal with isolation, especially those living under the poverty line. The healthcare system also isn’t as advanced as healthcare systems in other states. It’s important for older adults living in Kentucky to build a strong support system of people they can rely on and trust.

Medicare in Kentucky

It’s very important for older adults to have a healthcare plan they can trust. Medicare is available in Kentucky for most residents over the age of 65, as well as disabled residents. Kentucky has a very high percentage of disabled residents that rely on Medicare coverage.

Those who qualify can access Original Medicare, which covers inpatient hospital services through Part A and outpatient services through Part B. Older adults may also choose to supplement their coverage with a Medigap plan. In Kentucky, disabled Medigap recipients under the age of 65 may not qualify for additional Medigap coverage. Prescription drug plans are also available through Part D. Some older adults may opt for a Medicare Advantage plan instead, which is a privately offered Medicare plan that may offer additional benefits.

It’s important for older adults to prioritize their health and well-being while living in Kentucky. If you’re interested in learning more about your Medicare options, contact Time For 65’s licensed partnered agents today. Fill out this form or give us a call to learn more about how we can help.