Kansas residents enrolled in Original Medicare have the option to enhance their Part A and Part B coverage by choosing from a range of Medicare Supplement (Medigap) Plans. In Kansas, there are ten distinct plan options, each designed to cover varying out-of-pocket expenses.
In this article, we provide an in-depth analysis of the top Kansas Medigap plans and insurance companies for 2024.
Table of Contents
What You Need to Know
- Kansas Medigap plans are offered by private insurance companies, not the government.
- There are 10 different plan options available, labeled A through N, each providing a different level of Medicare coverage.
- Kansas residents become eligible for Medigap coverage at age 65.
- All plans offer coverage for Medicare Part A coinsurance and hospital costs, Medicare Part B copayments or coinsurance, and the first three pints of blood.
- Most plans also cover the Medicare Part A deductible and Skilled Nursing Facility coinsurance.
- It's important to note that Medigap does not cover long-term care, vision, dental, hearing aids, or private-duty nursing.
- The average costs for a 65-year-old can vary significantly based on factors such as gender, tobacco use, your location in Kansas, and the level of coverage you select.
- Medigap policies are not classified as health insurance; they fall under indemnity insurance and operate under their own set of rules.
The Top 5 Medicare Supplement Plans in Kansas
There are ten different Medicare Supplement Plans. These plans are labeled A through N and are standardized by the federal Medicare program.
The top-rated plans in Kansas for 2024 include Medicare Supplement Plan F, Plan C, Plan D, Plan G, and Plan N. They are considered the best because they provide the most extensive coverage.
Which one of these plans is the best choice for you?
HELPFUL READING: Medicare Plan G vs Plan N: Which is Better?
An easy way to quickly understand the ten plans is to refer to a Medigap plan chart. This chart illustrates how each policy helps cover the Medicare Part A and Medicare Part B out-of-pocket costs (deductibles, coinsurance, and copayments) for Kansas residents.
Comparing Medicare Supplement Plans in Kansas
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. Carefully consider your need for outpatient care and inpatient care.
When Best = Most Coverage Available in Kansas
Most Medicare insurance experts in Kansas will tell you that opting for Plan G is the wisest decision if you're enrolling in Medicare with one or more chronic health conditions. This plan offers the most extensive coverage available for those who qualify for Medicare on or after January 1, 2020.
CRUCIAL: While Plan F provides slightly more coverage than Medicare Supplement Plan G, it comes at a significantly higher cost and is only available to beneficiaries who became eligible for Medicare before 2020.
- Get Plan F and Plan G Quotes in Your Zip Code
- See All Companies Offering Plan F in Kansas
- See All Companies Offering Plan G in Kansas
When Best = Excellent Protection & Cost-Effective Premiums
If you are signing up for Medicare in excellent health or need good coverage but can't handle the cost of a Plan G policy in Kansas, Medicare Supplement Plan N is a good option. Plan N offers comprehensive inpatient coverage for hospital stays while also covering most medical care out-of-pocket costs.
Plan N is a good option for healthy individuals because there’s cost-sharing. In exchange for lower monthly premiums, enrollees in this plan pay a small copay for doctor office visits (up to $20) or use the emergency room (up to $50).
When Best = Most Affordable Coverage in Kansas
Many Kansas beneficiaries don't require comprehensive coverage or simply can't manage it in their budget. If you're concerned about the monthly premium burden, consult with your insurance agent regarding Medicare Supplement Plan K and the High Deductible Plan G (HDG).
These two plan options represent the most economical choices available. Many well-informed Kansas seniors prefer these plans over a Medicare Advantage plan.
Does Kansas have Plan A, B, C, D, L and M?
Medicare Supplement Plan A represents the most fundamental coverage available. Surprisingly, in many areas of Kansas, its cost exceeds that of Plan N. Why pay more for less?
Medicare Supplement Plan C and Plan D provide coverage similar to Plan G but come at a higher cost. Additionally, similar to Plan F, Plan C is exclusively accessible to Kansas beneficiaries who enrolled in Medicare prior to 2020.
It's worth noting that only a select few insurance companies in Kansas offer Plan L or Plan M.
Health Insurance Company vs. Life Insurance Company: Which is Best?
Every Medigap insurance company in Kansas must follow federal and state insurance laws. Carriers must offer the standardized Medicare plans identified by letters A through N.
For instance, a Plan F from Aetna Medicare has the same out-of-pocket cost coverage and benefits as a Plan F policy from Mutual of Omaha, United Healthcare, Humana, Cigna, or Blue Cross Blue Shield. This is why Medigap plans are easier to compare than Medicare Advantage plans.
The big difference is the company standing behind the plan and how the company rates their plan for future premium increases. It's important to get a company's Medigap rate increase history before making a decision.
In some cases Kansas state laws affect enrollment rules and how carriers can rate their plans. For more information, visit the Kansas Department of Insurance website at http://www.ksinsurance.org/.
Medicare Supplement Plan F Companies in Kansas
Medicare Supplement Plan F (Medigap Plan F) is Kansas’s most popular Medigap plan. Here are the 10 best companies that offer Plan F policies in Kansas based on our reviews (click for details):
Required Benefits of Plan F in Kansas
Medigap Plan F is standardized like all Medicare Supplement Plans in Kansas. Insurance carriers are required to cover certain benefits. Plan F is the most comprehensive plan because it covers all gaps in Original Medicare.
Although Original Medicare does not cover foreign travel medical emergencies, Plan F does (up to 89%). In addition to this extra benefit, companies may offer limited additional features. One example is Physician Mutual’s Preventive Care and Hearing Loss Testing benefits.
Medicare Supplement Plan G Companies in Kansas
Medicare Supplement Plan G (Medigap 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 insurance companies that offer Medigap Plan G policies in Kansas based on our reviews (click for details):
Required Benefits of Plan G in Kansas
All Medigap plans in Kansas, including Medigap Plan G, are standardized. Insurance companies must provide the standard coverage. Plan G covers all gaps in Original Medicare except the Part B deductible. And it only covers 80% of foreign travel medical emergencies that fall within your policy’s limits.
Companies may offer additional features like UnitedHealthcare’s fitness program, Renew Active, or the Silver Sneakers fitness program.
Medicare Supplement Plan N Companies in Kansas
Medicare Supplement Plan N is similar to Plan D (not to be confused with Medicare Part D) but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Arizona seniors. Here are the 10 best insurance companies that offer Medigap Plan N policies in Kansas based on our reviews (click for details):
Required Benefits of Plan N in Kansas
All Medicare Supplement Plans in Kansas are standardized, including Medigap Plan N. Like Plan G, Plan N does not cover the Part B deductible. It also does not cover Part B excess charges. But it does cover 80% of foreign travel medical emergencies up to the policy’s limits.
Medicare limits the types of extra benefits companies can offer. One excellent additional benefit is UnitedHealthcare’s NurseLine, which lets you talk to an experienced nurse, day or night.
Medicare Eligibility for Medicare Supplement Plans
You can apply for Medigap coverage in Kansas during your Medigap Open Enrollment Period (OEP). Your OEP is a six-month period that begins when you enroll in Medicare Part B. Your Medicare eligibility date will determine which plan types are available to you.
Federal law grants you guaranteed issue rights during your Medigap Open Enrollment Period. You can get a Medicare Supplement Plan during this period, regardless of your health history and chronic health conditions. You cannot be turned down, and you can go with the company of your choice, so long as they sell policies in Kansas.
Kansas Medigap plan enrollees require the assistance of a licensed insurance agent. 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 of the top Kansas insurance companies. There's no obligation.
Is a Medicare Supplement Right for You?
When a Medicare Supplement Insurance Plan May Be a Good Fit:
- You anticipate needing frequent healthcare services now or in the future and prefer to limit your deductibles and co-pays.
- You have the financial means to comfortably afford the monthly premiums associated with Medicare Supplement Insurance and do not qualify for Medicaid.
- You value the freedom to choose your healthcare providers and doctors without the constraints of network restrictions.
- You require nationwide coverage and/or plan to travel abroad.
- You are in your Initial Enrollment Period, granting you guaranteed issue rights to enroll in a Medigap plan, regardless of your current health condition.
- You want to avoid the constraints, referrals, and pre-authorization requirements associated with Medicare Advantage plans.
When You May Want to Consider Alternatives to a Medicare Supplement:
- You do not anticipate the need for frequent healthcare services now or in the future.
- You missed your Medigap open enrollment period and cannot pass medical underwriting to obtain your preferred Medigap policy.
- You prefer a Medicare Advantage plan with low or no monthly premiums.
- You already have Medicaid, TRICARE, VA benefits, retiree benefits, or other coverage options that cover most of your Medicare out-of-pocket expenses.
- You are interested in an HMO or PPO plan with a Part D prescription drug plan, Silver Sneakers, and routine dental, vision, and hearing care.
- You are comfortable adhering to the rules and limitations of a Medicare Advantage plan.
Alternatives to Kansas Medicare Supplement Plans
If you've determined that a Kansas Medicare Supplement Plan isn't the best choice for your situation, or if none of the 10 plan types align with your budget, you have several alternative options to consider:
- You can choose to stick with Original Medicare, add a Medicare Part D plan to cover prescription drugs, and be responsible for all Part A and Part B deductibles, coinsurance, and copayments out-of-pocket.
- If you meet the qualifications for both Medicare and Medicaid or have a serious health condition, enrolling in a Medicare Advantage Special Needs Plan may be the best alternative.
- For individuals with VA health benefits, using healthcare services exclusively from the nearest VA hospital is an option. In such cases, the VA will bill Medicare and cover the remaining costs.
- Consider enrolling in a Medicare Advantage Plan with a low maximum out-of-pocket (MOOP) limit and affordable deductibles and copayments.
Your Medicare coverage decision is a crucial one, and it can greatly influence your healthcare and financial stability. It's essential to evaluate your individual requirements and priorities carefully. If you find yourself seeking more information or guidance on the choices accessible to you in Kansas, don't hesitate to reach out to our preferred agency, HealthCompare, at 1-855-728-0510 (TTY 711). They can provide personalized support, ensuring that you make an informed choice that aligns with your unique healthcare needs and preferences.
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.
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).
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023