Medicare Supplement Plans in Kentucky

Medicare Supplement Insurance (Medigap) plans in Kentucky are supplemental insurance that helps to fill the gaps that Original Medicare (Medicare Part A and Medicare Part B) misses.

These types of policies are essential to have because they help with:

• Copayments

• Deductibles

• Coinsurance

These medical expenses and health care out-of-pocket costs can add up, so having a plan in place that covers them is imperative.

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Medicare Supplement Plan G

The Medigap Plan in Kentucky is Medicare Plan G. This plan is the most popular and comprehensive. This plan is available to a beneficiary who starts Medicare after the effective 1/1/20, no matter a pre-existing health condition. When you compare Plan F with Plan G, this plan has better cost savings.

Medicare Supplement Plan N

Medicare Plan N has good coverage and great value. This may be your plan if you are willing to trade some benefits for a lower monthly premium.

High Deductible Medigap Plan G

The high deductible Plan G also requires the annual deductible to be met before coverage starts. Therefore, plan G with the Higher Deductible will reduce monthly premium costs for a beneficiary.

Medicare Supplement Plan F

Medicare Plan F has full coverage and the highest benefit level in Kentucky. However, this plan is only available to Medicare Beneficiaries that joined Medicare before 1/1/20. Plan F includes both Medicare Part A deductible and Medicare Part B deductible.

Medicare Supplement Insurance cost in Kentucky

The average cost will depend on the insurer as they consider community ratings, issue age, and attained age for pricing.

Community Rating: Priced for beneficiaries of all ages

Issue Age: Based on the age at purchasing

Attained Age: Increases as the Medicare beneficiary ages

65-Year Old Female Non-tobacco

Plan G $105.07 - $134.69

Plan N $85.47 - $155.70

When can I apply for a Medicare Supplement plan?

The six-month Medigap Open Enrollment period will be the best time to gain Medicare benefits. During this period, pricing and plan options from a Medicare insurance company will be better.

At age 65 or older, enrollment begins when you have Part B, which can't be changed or repeated. On the first day of the month, you will turn 65, and the six-month enrollment period begins. Enrollment in Part B will be needed.

For those under 65, enrollment may not be possible. However, if you have a disease or syndrome, you will qualify for Medicare under the age of 65. Some states require Medigap insurance companies to sell policies to those under 65, but these plans cost more.

Enrollment periods do not apply to Medicare supplement plans. They only apply to Part D Plans, Medicare Advantage (Part C), aging into the Federal Medicare Program, retiring from group coverage, or losing a Medicare Advantage plan.

Notes:

– If you are receiving Social Security, the SSA will automatically sign you up and handle your enrollment for Medicare Part A and Medicare Part B at the age of 65.

– The federal Centers operate the Federal Medicare Program for Medicare & Medicaid Services.

– You have guaranteed issue rights; an insurance company can't refuse to sell you a Medigap policy if the following happens:

– A Medicare Advantage Plan leaves Medicare or stops providing in your area

– You move out of the plan's service area

FAQ:

When can I change Medigap plans?

You can change Medigap plans any time of the year. When applying outside of your initial enrollment period, you can be denied or have your rates increased due to medical issues. However, you are free to try out a plan and change plans any time you would like.

Can I be denied Medigap coverage?

In Kentucky, you cannot be denied coverage for a Medicare insurance policy unless you are outside an enrollment period. Even then, you may be accepted at a higher premium. Also, you may be delayed in coverage until the next enrollment.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nation's top-rated Medigap carriers, such as Aetna, Cigna, Mutual of Omaha, and Florida Blue Medicare plans. Give us a call or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

Kentucky State Links

Key Takeaways

  • Since your Medicare Supplement insurance is designed to cover the gaps left with Parts A and B, it's often referred to as a Medigap plan.
  • There are 10 Medicare Supplement plans in Kentucky to choose from.
  • In Kentucky, Medicare Supplement Plan G is the most popular plan for 2022.
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