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Medigap Plans
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Kansas

Best Kansas Medigap Medicare Supplement Plans

Table of Contents

What Are Medigap Plans? Medigap Plans in Kansas Do You Need Medigap in Kansas? What Do Medigap Plans Cover? What Are the Most Popular Plans? How Much Do Policies Cost? How Do You Choose a Plan? Who is Eligible? When and How Do You Enroll? How Do I Get Prescription Drugs? What Are the Alternatives? What if I have Medicaid? Next Steps

What Are Medigap Plans?

A Medigap plan can help you pay some out-of-pocket costs in Original Medicare (Parts A and B). In this article, you will discover what Medicare Supplement plans in Kansas cost, which Medicare plans are available, the gaps each plan fills, when and how to enroll, how to avoid underwriting, and how to get discounts and premiums on Medicare supplemental insurance where you live.

What You Need to Know

  1. Medicare supplemental insurance policies in Kansas are offered by private insurance companies and are designed to help cover some of the out-of-pocket costs not covered by Original Medicare.
  2. Supplemental insurance policies are standardized, meaning each plan letter offers the same basic benefits regardless of the insurer.
  3. Medicare supplemental insurance is available to Kansas residents at age 65 and over who have enrolled in both Medicare Part A and Part B.
  4. All supplemental plans offer coverage for Medicare Part A coinsurance and hospital costs, Medicare Part B copayments and/or coinsurance, and the first three pints of blood.
  5. All but two supplements cover the Medicare Part A deductible and Skilled Nursing Facility coinsurance.
  6. Supplemental insurance policies do not cover long-term care, vision, dental, hearing aids, or private-duty nursing.
  7. Policies are available in 10 different plan options, labeled A through N.
  8. Medicare SELECT plans require enrollees to use a local Kansas provider network.
  9. Some insurers offer a household discount when both you and your spouse have a policy.

Get a Free Medicare Supplement Rate Comparison

Medigap Plans in Kansas

Insurance Company Plan F Plan G Plan N Rating
Aetna $157.19 $114.87 $86.22
☆☆☆☆☆
Aetna $167.33 $151.66 $120.50
☆☆☆☆☆
American Republic $163.88 N/A N/A
☆☆☆☆☆
American Retirement Life $157.58 $126.07 $90.01
☆☆☆☆☆
Americo Life $132.61 $109.77 $85.73
☆☆☆☆☆
Assured Life $132.55 $99.76 $82.95
☆☆☆☆☆
Bankers Fidelity Assurance $127.18 N/A $87.28
☆☆☆☆☆
Central States $170.17 $125.17 $107.92
☆☆☆☆☆
Christian Fidelity $136.70 N/A $99.10
☆☆☆☆☆
Cigna $129.07 $102.67 $88.51
☆☆☆☆☆
Colonial Penn $201.29 $144.26 $101.24
☆☆☆☆☆
Combined Insurance $142.42 N/A $121.70
☆☆☆☆☆
Equitable Life $189.50 $110.25 $115.33
☆☆☆☆☆
Equitable National $133.30 $104.04 $81.03
☆☆☆☆☆
Everence $220.04 $171.20 $102.91
☆☆☆☆☆
Everest $133.70 $103.22 $88.64
☆☆☆☆☆
Gerber Life $210.54 $147.23 N/A
☆☆☆☆☆
Globe Life $156.50 $140.50 $118.50
☆☆☆☆☆
GPM Health and Life $133.89 $100.77 $84.22
☆☆☆☆☆
Guarantee Trust Life $126.03 $104.31 $85.70
☆☆☆☆☆
Humana $209.41 N/A $121.19
☆☆☆☆☆
IAC $146.46 $107.70 $91.04
☆☆☆☆☆
Liberty Bankers Life $131.96 $106.81 $91.07
☆☆☆☆☆
Loyal Christian $141.94 $106.62 $87.30
☆☆☆☆☆
MassMutual $133.20 $106.60 $92.01
☆☆☆☆☆
Medico $155.98 $132.74 $103.62
☆☆☆☆☆
Mutual of Omaha $153.68 $116.62 $93.70
☆☆☆☆☆
New Era Life $130.11 $102.91 N/A
☆☆☆☆☆
Old Surety $132.71 $106.45 N/A
☆☆☆☆☆
Oxford Life $159.43 $127.00 $111.40
☆☆☆☆☆
Pekin Insurance $141.09 $98.85 $85.80
☆☆☆☆☆
Physicians Mutual $294.81 $194.15 $165.56
☆☆☆☆☆
Puritan Life $129.54 $101.14 $85.85
☆☆☆☆☆
Renaissance Life $136.02 $110.36 $93.97
☆☆☆☆☆
Reserve National $150.05 $111.25 $111.35
☆☆☆☆☆
Shenandoah Life $132.61 $100.87 $81.03
☆☆☆☆☆
State Farm $161.41 N/A N/A
☆☆☆☆☆
S.USA Life Insurance $130.13 $108.14 N/A
☆☆☆☆☆
Thrivent $124.73 $98.50 $83.20
☆☆☆☆☆
Transamerica $148.71 $108.53 $84.11
☆☆☆☆☆
Unified Life $128.19 $102.22 $85.90
☆☆☆☆☆
United American $195.00 $184.00 $142.00
☆☆☆☆☆
United Commercial Travelers $206.08 $173.50 $142.90
☆☆☆☆☆
AARP $152.85 $126.53 $106.70
☆☆☆☆☆
USAA Life $153.17 N/A $104.04
☆☆☆☆☆

Do You Need Supplemental Insurance in Kansas?

The way Original Medicare (Part A and Part B) is designed, it pays about 80% of medically necessary healthcare costs. That leaves the remaining 20% for the Medicare beneficiary to pay through deductibles, coinsurance, and copays. Without additional coverage, these out-of-pocket costs can add up quickly.

Each time you use a Medicare-approved healthcare service, you pay a deductible, co-payment, or coinsurance. Due to the sky-high healthcare costs in Kansas, if you are hospitalized, these costs are considerable.

To illustrate, Medicare Part A's benefit period deductible is $1,600. You pay this each time you are hospitalized unless you're readmitted within 60 days for the same issue. Plus, you're responsible for 20% of all Part B medical costs while you're an inpatient.

This is where Kansas Medicare Supplement plan coverage comes in. Supplements, also called Medigap plans, pay many of the out-of-pocket costs in Original Medicare. So, if you're wondering, "What is Medigap?", it's gap coverage.

More Info: 7 Reasons You Need Supplemental Insurance with Medicare

Is a Medicare Supplement Right for You?

Yes, if you:

  1. Expect the need for frequent healthcare services now and/or in the future and want to limit your deductibles and co-pays.
  2. Can afford the monthly premiums of Medicare Supplement insurance and don't qualify for Medicaid.
  3. Want the freedom to choose your doctors and other Medicare providers without network restrictions.
  4. Need nationwide coverage and/or travel abroad and need coverage for emergency care.
  5. Are in your initial enrollment period and have guaranteed issue rights to join a plan regardless of your health condition.
  6. Don’t want a Medicare Advantage plan and the hassle of referrals and pre-authorization to receive services.

No, if you:

  1. Don’t expect the need for frequent healthcare now or in the future.
  2. Missed your Medigap open enrollment period and can't pass medical underwriting to get the Medigap policy you want.
  3. Want a Medicare Advantage plan with low or no monthly premiums.
  4. Have Medicaid, VA, retiree benefits, or other coverage options that will pay for most of your Medicare out-of-pocket expenses.
  5. Prefer an all-in-one HMO or PPO plan that includes a Part D prescription drug plan, SilverSneakers, and routine care for dental, vision, and hearing.
  6. Can adhere to the rules and restrictions of a Medicare Advantage.

Get a Free Medicare Supplement Rate Comparison

What Do Medicare Supplements Cover?

All Medicare supplemental insurance companies in Kansas are required to follow both federal and state laws designed to protect you. Insurers must offer the standardized Medicare Plans identified by letters A through N.

What this means is a Plan F policy from Aetna Medicare has exactly the same coverage as a Plan F from Mutual of Omaha, AARP Medicare, United Healthcare, Humana, Cigna, or Blue Cross Blue Shield. This is what makes Medigap plans easier to compare vs. an HMO or PPO style plan through Medicare Advantage.

Medicare supplemental insurance policies may include the following benefits:

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part A inpatient deductible
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care and hospice care coinsurance
  • Part B deductible
  • Part B coinsurance or copayment
  • Part B excess charges
  • The first three pints of blood
  • Foreign travel emergency services
  • Out-of-pocket limits

By looking at the chart below you can easily make Medigap plan comparisons.

2023 Medicare Supplement Plans Comparison Chart

The F and G plan types are available with a high-deductible option. If you choose this option, this means you pay all Medicare-covered out-of-pocket costs up to the annual deductible amount before your Medigap plan pays anything.

Related: How a High-Deductible Medigap Plan Works

Insurers can choose the plans they offer in Kansas, however, state laws may affect which ones they can offer. For more information, or to file a complaint, visit the Kansas Department of Insurance website at http://www.ksinsurance.org/.

Top 3 Medigap Plans Sold in Kansas

A Medigap plan is gap coverage you can buy from a private insurance company. A Medigap policy will lower or eliminate your hospital coverage (Medicare Part A) and medical coverage (Medicare Part B) costs.

The three best-selling Medigap plans in Kansas are Plan F, Plan G, and Plan N, the latest plan. The coverage they provide is what makes them the most popular. They offer the best protection against Original Medicare's out-of-pocket costs.

Plan F covers all gaps in Original Medicare. Plan G covers all gaps except the Part B deductible. And Plan N doesn't cover the Part B deductible or Part B excess charges. It also has a small copay when you see your doctor or use the emergency room.

NOTE: You do not qualify for Plan F if you became eligible for Medicare on or after January 1, 2020. Plan G is the most comprehensive coverage new Medicare beneficiaries can buy. The good news is that Medicare G plans cost less than F, even when you factor in the deductible Plan G does not cover.

  • 10 Best Kansas Medigap Plan F
  • 10 Best Kansas Medigap Plan G
  • 10 Best Kansas Medigap Plan N

Also See: Medicare Plan N vs Plan G: Which Supplement is Best for You?

Looking for a different plan? Ask us for free quotes on the best Medicare Supplement Plans in your location.

Get a Free Medicare Supplement Rate Comparison

Top 10 Plan F in Kansas

Medicare Supplement Plan F is the most popular Medigap plan available in Kansas. Here are the 10 best Plan F policies available in Kansas based on our reviews (click for details):

Top 10 Medigap Plan F in Kansas

CarrierPremium[3]FeeReview[4]
Thrivent$124.73$25.00☆☆☆☆☆
MassMutual$133.20None☆☆☆☆☆
Reserve National$150.05None☆☆☆☆☆
AARP$152.85None☆☆☆☆☆
Mutual of Omaha$153.68None☆☆☆☆☆
Globe Life$156.50None☆☆☆☆☆
United American$195.00None☆☆☆☆☆
Guarantee Trust Life$126.03$25.00☆☆☆☆☆
Unified Life$128.19None☆☆☆☆☆
Cigna$129.07None☆☆☆☆☆

Top 10 Plan G in Kansas

Medicare Supplement Plan G is rapidly gaining popularity with Kansas seniors. With Plan F no longer available to new Medicare beneficiaries, Plan G is the new gold standard. Here are the 10 best Medigap Plan G policies available in Kansas based on our reviews (click for details):

Top 10 Medigap Plan G in Kansas

CarrierPremium[3]FeeReview[4]
Thrivent$98.50$25.00☆☆☆☆☆
MassMutual$106.60None☆☆☆☆☆
Reserve National$111.25$15.00☆☆☆☆☆
Mutual of Omaha$116.62None☆☆☆☆☆
AARP$126.53None☆☆☆☆☆
Globe Life$140.50None☆☆☆☆☆
United American$184.00None☆☆☆☆☆
Pekin Insurance$98.85$25.00☆☆☆☆☆
Unified Life$102.22None☆☆☆☆☆
Cigna$102.67None☆☆☆☆☆
NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal.

Top 10 Plan N in Kansas

Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Kansas seniors. Here are the 10 best Medigap Plan N policies available in Kansas based on our reviews (click for details):

Top 10 Medigap Plan N in Kansas

CarrierPremium[3]FeeReview[4]
Thrivent$83.20$25.00☆☆☆☆☆
MassMutual$92.01None☆☆☆☆☆
Mutual of Omaha$93.70None☆☆☆☆☆
AARP$106.70None☆☆☆☆☆
Reserve National$111.35None☆☆☆☆☆
Globe Life$118.50None☆☆☆☆☆
United American$142.00None☆☆☆☆☆
Guarantee Trust Life$85.70$25.00☆☆☆☆☆
Americo Life$85.73None☆☆☆☆☆
Pekin Insurance$85.80$25.00☆☆☆☆☆
NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits.

Cost of Supplemental Insurance in Kansas

The Medicare.gov website shows the average cost of Medicare supplemental insurance in Kansas on the plan finder page. What the tool does not show is the exact price, the rate increase history for Medigap plans, AM Best rating score, and household discounts.

Our FREE Medicare Supplement Plan Rate Quote Service gives you your exact cost on all carriers, discounts, ratings, rate increase history, and more.

The next step is to get a FREE Medigap Rate Comparison Report. It will arm you with all of the information you need to make an informed decision.

Get Your Free Medicare Supplement Rate Comparison

MedicareWire is a Medicare consulting agency. We are not insurance agents. Our job is to help people navigate Medicare without marketing interference.

Our free report will show you rates from all carriers without a sales pitch. No Calls. No Email Spam. No Kidding!

If you would prefer to speak with an agent, our preferred, nationwide agency is HealthCompare, an Allstate company. Give them a call at 1-855-728-0510 (TTY 711).

How to Choose the Best Medigap Plan

Everyone on Medicare has different needs. Your age, gender, Kansas zip code, use of medical services, providers, emergency care, supplies, and durable medical equipment are all factors you need to consider. That's because all of these things play a role in your plan options.

When "Best" Means "Most Coverage Available"

If you are signing up for Medicare with chronic health issues, or if you have done a good job saving for your retirement, most experts agree that Plan G is the best option in Kansas. It offers the most coverage you can buy if you're getting your Medicare benefits in 2023.

When "Best" Means "Good Coverage and Monthly Savings"

If you are signing up for Medicare in excellent health, or if you need good coverage but can't handle the cost of Plan G, Plan N is a good option. Plan N offers comprehensive inpatient coverage for hospital stays, while also covering most medical care expenses.

When "Best" Means "Lowest Cost Coverage"

Not everyone in Kansas can afford or needs the comprehensive coverage provided by Plans F, G, and N. When the amount of your monthly premium is a concern, ask your insurance agent to give you advice about Plan K and High Deductible Plan G (HDG). These are the two lowest-cost plans available.

Medicare Supplemental Insurance Eligibility

You can apply for Medigap coverage in Kansas during your Medigap Open Enrollment Period (OEP). Your OEP is a six-month time period that begins when you enroll in Medicare Part B at age 65.

Federal law grants you guaranteed issue rights during your Medigap Open Enrollment Period. You can get the Medicare Supplement plan you want, regardless of any chronic conditions.

Once your open enrollment period is over, getting Medicare supplemental insurance is more difficult. This is one of the disadvantages of Medicare supplemental insurance.

An insurance company can ask you health questions, charge you a higher premium, or reject your application due to your health history. The carrier also has the option to offer coverage with a six-month waiting period before your coverage begins.

NOTE: You are not eligible for Medicare at 62 if you retire early to go on Social Security.

Kansas Enrollment Process for Medicare Supplements

Kansas Medigap plan enrollees require the assistance of a licensed insurance agent. Before you can apply, you need to be enrolled in both Medicare Part A and Part B. You can do this through the Social Security Administration website, or by calling them directly at 800-772-1213.

If you don't have an insurance agent, we recommend HealthCompare, an Allstate company. Call them at 1-855-728-0510 (TTY 711). They work with all major Kansas plans. There's no obligation.

Another option is your local SHIP. The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries. Kansas's SHIP is available by phone (1-800-860-5260) or through their website.

Adding a Medicare Prescription Drug Plan

In the past, Medicare Supplements sold in Kansas were allowed to add extra benefits, including prescription drug coverage. This is no longer the case.

The only way to get coverage on prescriptions with a Medigap policy now is to get a Kansas Medicare Part D plan. In most areas of Kansas, basic prescription drug plans start at less than $20 per month.

Kansas Medicare Supplements vs. Medicare Advantage

It's natural to compare the best Medigap insurance with other health insurance plans, like Medicare Advantage. On the surface, Medicare Advantage plans appear to cost less. And, in some cases, they do save money. However, the out-of-pocket expenses in most Kansas Medicare Advantage plans are as much or more than Original Medicare.

Original Medicare does not have an out-of-pocket maximum. However, all health insurance companies offering Medicare Advantage plans are required to set an annual out-of-pocket limit, up to the annual limit set by CMS. A Medigap plan's coverage creates an out-of-pocket limit for Original Medicare.

Can I Get a Policy If I'm On Medicaid in Kansas?

It is not legal for a health insurance company or insurance agents licensed in Kansas to sell individuals a Medigap policy if you have Medicaid benefits.

If you can't afford a Medigap plan or the co-insurance costs in Medicare Advantage policies, there is a third option. Many areas of Kansas have access to dual-eligible Medicare Special Needs Plans (D-SNP). If you qualify for both Medicare and Medicaid, a Kansas Special Needs Plan plan might be your best option.

What About Dental, Vision, and Hearing Benefits?

We all need routine dental care and dental restoration work as we age, but it's not covered by Original Medicare or a Medigap plan. For coverage, you'll need a stand-alone Kansas dental insurance policy.

Next Steps

The next step is to get a FREE Medigap Rate Comparison Report. It will arm you with all of the information you need to make an informed decision.

Get Your Free Medicare Supplement Rate Comparison

MedicareWire is a Medicare consulting agency. We are not insurance agents. Our job is to help people navigate Medicare without marketing interference.

Our free report will show you rates from all carriers without a sales pitch. No Calls. No Email Spam. No Kidding!

If you would prefer to speak with an agent, our preferred, nationwide agency is HealthCompare, an Allstate company. Give them a call at 1-855-728-0510 (TTY 711).

Frequently Asked Questions (FAQs)

How much is Medicare Plan G in Kansas?

It all depends. Your age, gender, {state_code} zip code, and tobacco use all need to be factored in. You can take advantage of our Free Plan G Quote Service to find the lowest prices and discounts in your area.

Who has the best Medicare supplemental insurance in Kansas?

Here are your top choices in Kansas:

  1. Thrivent
  2. MassMutual
  3. Reserve National
  4. Mutual of Omaha
  5. AARP
You will find the complete list here.

Citations & References

medicare.gov
  • Costs of Medigap policies, Medicare.gov, Last Accessed February 2, 2023
  • What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed February 2, 2023
  • Find a Medigap policy that works for you, Medicare.gov, Last Accessed February 3, 2023
  • How to compare Medigap policies, Medicare.gov, Last Accessed February 3, 2023
  • How Original Medicare works, Medicare.gov, Last Accessed February 3, 2023
  • Your Medicare coverage choices, Medicare.gov, Last Accessed February 5, 2023
ssa.gov
  • The United States Social Security Administration https://www.ssa.gov/
  • Medicare Benefits | SSA https://www.ssa.gov/benefits/medicare/

The Medicare insurance plans and Medicare Supplement companies on this page originate from CMS Data Files. Content is maintained by David Bynon, and was last updated on February 5, 2023.

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Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

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