Best Medicare Supplement Plans in Kentucky

Medicare Supplement plans in Kentucky are supplemental insurance policies that help to fill the gaps of Original Medicare (Medicare Part A and Medicare Part B) such as deductibles, copayments and coinsurance. There are ten Medicare Supplement plans offered in Kentucky.

• Of the ten plans available in 2023, Cigna offers the best Medicare Supplement Plan G price at $103.28 monthly for the most comprehensive coverage and benefits.
• Medicare Supplement Plan N is a high-quality plan and is offered for $72.98 monthly with Cigna.
• High Deductible Plan G is the most affordable option and is offered by Cigna at $36.72 monthly. The plan provides access to the same benefits as the standard Plan G, after you meet the annual deductible of $2,700

Below are some brief highlights of what each plan covers.

What's the Best Medicare Supplement Company in Kentucky?

Based on our review of several key factors, Cigna is the best Medicare Supplement company in Kentucky.

While Cigna Medigap plans tend to be more affordable in Kentucky, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage. For this reason, Cigna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.

This chart compares different Medicare Supplement companies to Cigna that are also available in Kentucky, including sample premiums, ratings, and market share:

For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.

How Much Does a Medigap Plan Cost in Kentucky?

The best price for Medicare Supplement Plan G in Kentucky is $103.28 per month with Cigna.

Your age and plan choice will have the most significant impact on your premium.

Here you can see how the prices compare for several different plans:

When Can I Apply For a Medicare Supplement Plan?

The six-month Medigap Open Enrollment Period is 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 the first month you have Medicare Part B, and the enrollment period can't be changed or repeated. During the month you turn 65, this period begins and lasts for six months. Enrollment in Part B is required.

For those under 65, enrollment may not be possible. However, if you have a disability or ESRD (end-stage renal disease), you will qualify for Medicare under age 65. In addition, many states require Medigap insurance companies to sell policies to those under 65, but these plans cost more.

In some cases, you may have guaranteed issue rights and be eligible for a Special Enrollment Period, meaning an insurance company can't refuse to sell you a Medigap policy or charge you more 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, but the best time to try and switch Medigap plans is during your initial Open Enrollment Period. You can be denied when trying to change outside your Open Enrollment Period, or your rates will increase due to medical issues.

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. There is also a chance 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 some of the nation's top-rated Medigap carriers. So give us a call today, 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.