Kentucky Medigap Plans are Standardized
Every Medigap plan sold in Kentucky is required to follow both federal and state laws designed to protect you. All plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized policies identified by letters A through N.
Each of the lettered Medigap plans offer the core coverage provided by Plan A. Plans B through N have a varying range of additional coverage. This way you can choose an appropriate policy based on the amount of insurance you need.
Insurance companies are free to choose the policies they offer, although Kentucky state laws might affect which ones they can offer. Carriers offering Medigap policies:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit your state's Department of Insurance website at http://insurance.ky.gov/.
Medigap Does Not Cover Prescriptions
Medigap does not cover your prescriptions. By law, Medicare Supplement insurance must be in lock-step with Original Medicare. So, if Medicare does not cover it, a supplement policy can't cover it.
Here's the complete list of Medicare Prescription Drug Plans available in Kentucky.
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Kentucky SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website: