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Best Medicare Advantage Plans in Kansas for 2020

Have you begun comparing the best Medicare Advantage plans in Kansas for 2020?   If you’re approaching the age when you’ll be eligible for Medicare (Medicare Part A and Medicare Part B), then you may want to take the time to explore Medicare Advantage plans in Kansas. There are some people who rely simply on Original Medicare, but this is not the case for most. Most people purchase one of the Medicare Supplement plans or Medicare Advantage plans in Kansas. Others are dual-eligible and have both Medicare and Medicaid, and some still have coverage through their employer or their spouse’s employer.

If you are interested in a Medicare Advantage plan in Kansas for 2020, we want to help. Along with helping you get a better understanding of what these plans are and what they cover, we will also help you shop for a Medicare Part C plan in Kansas with top star ratings. Then, you’ll know which plan to sign up for after you’re enrolled in Medicare Part A and Part B.

Overview of the Best Medicare Advantage Plans in Kansas for 2020

Standard Medicare coverage leaves behind out-of-pocket healthcare costs for beneficiaries to pay. You can sign up for a replacement policy for a reasonable monthly premium (and sometimes for no premium at all) to use instead of Original Medicare.

These Medicare plans are regulated by the government and must meet certain standards. There are different health plans that you can choose from; the most popular at HMO or PPO options, but there are also cost-sharing options like MSA (Medicare Savings Account) plans that you can pick, too. By reading a complete description of benefits of each Medicare Advantage plan in Kansas that you’re potentially interested in, you can make the right choice.

From Kansas City to Wichita and beyond, Kansas and Missouri residents who are looking for replacement coverage for Medicare should look into Medicare Part C options with 5-star ratings from companies like Humana. You can even choose a policy that includes Medicare Part D prescription drug coverage through an included Medicare prescription drug plan. Your prescription drug benefits are just one example of the perks you can enjoy with one of these policies.

Best Medicare Advantage Plans in Kansas: When Can You Enroll?

These are the times during which you can sign up for your Medicare Part C plan in Kansas for 2020:

  • Medicare Initial Coverage Election Period ICEP: When you become a beneficiary of Medicare Part A and Part B, you can sign up for Medicare Advantage.
  • Medicare Annual Election Period AEP: From October 15 to December 7 every year, you can sign up for, disenroll or change your Medicare Advantage policy.
  • Medicare Advantage Disenrollment Period MADP: Now discontinued, this was once the period when you could disenroll from a Medicare Advantage plan and go back to Original Medicare (Medicare Part A and Part B).
  • Medicare Advantage Open Enrollment Period MA OEP: Beginning in 2019, this period will run from January 1 to March 31st of each year. You can change your MA policy during this time.
  • Medicare Special Election Periods SEP: In certain situations, you might be able to enroll in a policy outside of a standard Medicare Enrollment Period. An SEP will also be triggered if you move out of state, lose your coverage through Medicaid or through your employer and more.

Best Types of Medicare Advantage Plans in Kansas for 2020

These are the most popular Medicare Advantage options you can choose from:

PPO Preferred Provider Organization Plans (PPO) in Kansas

  • There are provider network service areas
  • You do not have to stay within your provider’s network when visiting a doctor or hospital
  • You’ll enjoy preferred pricing when seeing in-network doctors, hospitals and other healthcare providers
  • You don’t need referrals

HMO Health Maintenance Organization Plans (HMO) in Kansas

  • These Medicare Part C plans in Kansas often have the lowest premiums for 2020. Some HMO plan options have $0 premium.
  • You must see in-network providers, except in emergency situations
  • Referrals from a primary care doctor (PCP) are required for specialist care.

Private Fee-for-Service PFFS in Kansas

  • Your insurance company will determine what the company will pay and what the beneficiary will pay.
  • There are no network restrictions with these policies.

Special Needs Plans SNPs in Kansas

  • Special Needs Plans are available for people with institutional conditions or chronic health conditions, including end stage renal disease ESRD.
  • These policies must include Medicare Part D prescription drug plans.

Enrollment Figures for Kansas Medicare Advantage Plans

These are a few interesting facts and figures about Kansas Medicare:

  • The five largest counties in Kansas are Johnson, Sedgwick, Shawnee, Wyandotte and Leavenworth.
  • There were 533,219 Medicare beneficiaries in Kansas in 2018.
  • 82,931 of Medicare beneficiaries in Kansas were enrolled in Medicare Advantage in 2018.

Do Medicare Advantage Plans in Kansas Cover Prescription Drugs?

Many people sign up for Advantage policies because they are worried about deductibles, coinsurance and copayments (copays) from Original Medicare. A lot of people don’t think about prescription drug costs, but it’s best to sign up for coverage that will help with these costs.

Many people find that it’s best to sign up for Medicare Advantage plans in Kansas that include Medicare Advantage prescription drug plans. This is an ideal way to secure this coverage without paying for a separate stand-alone plan. Before you buy your plan for 2020, though, check out the formulary and prescription drug tiers to make sure you’ll have the prescription drug coverage that you need.

Network Restrictions for Medicare Advantage Plan in Kansas?

Before you enroll to become a beneficiary of a Part C plan, make sure that you’re aware of the network restrictions that you might have to abide by. A quick explanation of the network restrictions for the most common types of Medicare Advantage plans are outlined here:

  • In-Network vs. Out-of-Network Within Coverage Area: PPO Medicare Advantage plans and HMO Medicare Advantage plans in Kansas both have networks. An HMO will not pay for out-of-network care in non-emergency situations, while a PPO will. Your out-of-pocket expenses will cost more if you seek out-of-network care with a PPO.
  • Traveling With Plan: Emergency care will be covered with both health maintenance organization HMO plans or preferred provider organization PPO plans when you’re traveling outside of your network.. With a PPO, you can seek more expensive out-of-network care when you’re traveling, even if it’s not an emergency.
  • Moving Across State Lines: Unlike Original Medicare (Medicare Part A and Part B, there are differences from state to state with Medicare Advantage (Medicare Part C). If you move, an SEP will be triggered so that you can sign up with one of the Medicare Advantage plans that are available in your new area.

Added Benefits of Medicare Advantage Plan in Kansas

One great reason to choose a Medicare Advantage plan is the fact that you can enjoy coverage that is not included with Original Medicare or any of the Medicare Supplement insurance plans.

Different Medicare Advantage plans offer different perks, but these are some of the added benefits that your plan might include:

  • Hearing care, routine vision and dental care
  • Wellness programs
  • Silver Sneakers or other similar gym membership
  • Recommendations for diet and nutrition
  • Allowance for over-the-counter medication costs
  • Healthy living seminars and classes
  • Transportation to and from medical appointments
  • Payment of some or all of the Medicare Part B premium

When you compare Medicare Part C rates in Kansas for different plans, it pays to compare these extra perks. Then, you can make sure that you’re getting the best coverage for the rates that you’re paying.

Here are a few changes for 2020:

  • Starting in 2020, insurance companies that provide Medicare Advantage plans in Kansas will be able to add some supplemental non-health related benefits to certain beneficiaries, such as providing help with making structural changes to the home when needed. This is designed to help those who might need help with widening doorways or installing ramps for their homes.
  • The Centers for Medicare and Medicaid Services approved a 2.53% payment increase to Medicare insurers that offer Medicare Advantage plans in Kansas.

Which Companies Will Offer Medicare Part C Plans in Kansas?

Only a few private insurance companies have been active in this state. Although, some people may find a regional insurer that caters to their needs. Overall, well over 90 percent of Medicare Advantage plan members enrolled with only three private insurers.

In any case, these are likely to be some of the top insurers for Medicare Advantage Plans in Kansas for 2020:

  • Humana: In Kansas, Humana has one-third of the MA market. They were one of the first companies to promote PPOs and an alternative to HMOs.
  • Aetna: With a 45 percent share of the MA market, Aetna has been very active in Kansas in the past.
  • Other Companies offering Medicare Advantage plans: At this time, other insurers only have enrolled about eight percent of the total market. Coventry is one example of a small insurer with good star ratings for performance in Kansas.

Note: Only a few plans ever earn a 5-star rating for quality. However, these star ratings will give you a fast way to judge past performance of a particular program within your local area.

Kansas Medicare Resources

If you will soon be enrolled in Medicare Part A and Part B, it’s time to start doing your research. These websites can help you get a better understanding of Original Medicare (Medicare Part A and Medicare Part B) and can help you find any extra help that you might qualify for.