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Best Medicare Supplement Plans in Kansas 2020 – Comparison Chart

With almost a half-million Medicare recipients, just about one-quarter of a million folks have decided that the best Medicare Supplement plans in Kansas offer them a good way to control Original Medicare copayments, coinsurance, deductibles, and Part B excess charges. After all, without a Supplemental insurance plan, out-of-pocket costs for things that aren’t covered by the Medicare program can really add up.

To decide if a Medicare Supplement plan in Kansas for 2020 will offer you a good choice, read beyond this overview to learn how Medigap plans works in The Sunflower State. Once you have learned a little more about Supplemental Medicare plans, you can get quotes for the insurance policy that will help you minimize your health care costs.

The Best Time to Enroll in Medicare Supplement Plans in Kansas for 2020

To enroll in the best Medicare Supplement plans in Kansas, you just have to be enrolled in Medicare Part A and Medicare Part B. At the same time, you get a Medigap Open Enrollment Period during the first six months you have Part A and B and have already turned 65. This means that you get guaranteed issue rights without worrying about health underwriting at all during this time. If you delay enrollment in Part B because you have other health insurance, you can also delay this Medigap Open Enrollment Period.

Under 65 Medicare Supplement Plans in Kansas

The Guaranteed Enrollment Right after age 65 is federal protection. Kansas adds to this federal position by requiring insurers to accept people under 65; however, they may impose a six-month pre-existing conditions waiver for anybody who doesn’t have creditable coverage before enrolling in a Medicare Supplement plan. Some insurers may not exercise their right to exclude pre-existing conditions without creditable coverage, so it’s a good idea to speak with an agent if you have concerns.

Other Times Medicare Beneficiaries Can Compare Medicare Supplement Plans in Kansas

If you are enrolled in Medicare Part A and Part B, you can always apply for Medicare Supplement plans. If you lose your old coverage or have moved from another state, you may also get a two-month Election Period to choose another Medicare Supplement as well.

Outside of a Medigap Open Enrollment Period, the insurance company could charge you higher rates or even decline your coverage. That’s why the best time to apply maybe when you’re within your Initial Enrollment Period or a Special Enrollment Period. Again, a licensed Medigap agent can offer you advice that is based on your own unique situation.

Rate Calculations for a Medicare Supplement Plan in Kansas

The Kansas Insurance Department describes two ways that a Kansas health and life insurance company might calculate rates for the best Medicare Supplement plans in Kansas:

  • Attained Age

    In this case, the insurer will always base their premiums upon your current age, no matter the age you were when you bought your coverage.

  • Issued Age

    With issued age, the insurer will base rates upon the age you were when you bought the policy and not your current age.

What’s the difference? You will probably find that most companies offer attained age Medicare Supplement quotes. These could appear a lot cheaper when you are just turning 65. Since these can increase based on your attained age, they may not be cheaper when you live into your seventies or eighties.

Medicare Supplement Plan Comparison Chart in Kansas for 2020

As 47 out of the 50 U.S. states, there are 10 Medicare Supplement plans on the comparison chart in Kansas that Medicare currently defines for the entire country. These plans all have letter names that range from Medicare Supplement Plan A through Plan N.

These are some numbers that illustrate how people may choose the best Medicare Supplement plans in Kansas:

Medicare Supplement Plan F in Kansas

Currently, Medigap Plan F in Kansas has the lion’s share of enrollment. It’s often touted as being one of the best Medicare Supplement plans in Kansas because it covers the Medicare Part B deductible and offers the most robust coverage overall. It does usually have the highest monthly premiums, though.

Medicare Supplement Plan N in Kansas

Plan C and Medigap Plan N in Kansas closely tie for second and third.

Medigap Plan N tends to be lower cost but has several copays to must be paid on things like ER and Dr. office visits.

Medicare Supplement Plan G in Kansas

Medigap plan G in Kansas in fourth but is rapidly becoming the favorite for new buyers with the 2020 changes that are coming on Medigap plan F.

Nationally, Medicare Supplement Plans G and N usually are closely matched in popularity and are also gaining in popularity rapidly. Plan C is usually a bit further down the list. We usually suggest that our clients that are looking for a Medigap plan, look closely at Medigap Plans G and N as frugal choices that still offer robust coverage for a Medicare beneficiary. Medigap Plan F is also a great choice if you want the most coverage possible.

Please note: Medigap Plan F in Kansas will no longer be available to Medicare beneficiaries that turn age 65 after 01/01/2020. Plan F will still available to Medicare Beneficiaries who are already on Medicare Part A and Medicare Part B prior to 01/01/2020.

You can compare these options by taking a few minutes to look at this Medigap comparison chart for Kansas. If you still have questions, of course, you can talk to one of our licensed insurance agents about your options:

Will a 2020 Medicare Supplement Plan in Kansas Cover Prescriptions?

Neither Original Medicare nor the best Medicare Supplement plans in Kansas offer benefits for most prescription drugs. Unless a beneficiary has other insurance for prescriptions, he or she will need to select a Medicare Part D drug plan during the Initial Enrollment Period. In addition, the beneficiary can switch between Part D plans every year during the regular Part D Open Enrollment.

Otherwise, he or she won’t have help paying for most medicines and may suffer from a penalty when enrolling for Part D late.

One alternative is to sign up for one of the Medicare Advantage plans, which are also known as Medicare Part C. These plans do sometimes include prescription drug plans. Think carefully before making this choice, though. With many of these plans, you will have network restrictions.

Will Your Kansas Medicare Supplement Plan Work Outside of Kansas?

If you hope to travel outside of Kansas during retirement, you should know that the best Medicare Supplement plans in Kansas will help cover you anywhere in the United States. You don’t have to worry about networks or geographic restrictions within the country when you have a Medigap policy. You can even select a Medicare Supplement plan that will help you pay for urgent care outside of the United States.

If you move outside of the state, you will need to tell your insurer. If you bought a plan from a nationwide company, you can probably transfer it. Your rates could change at your next renewal because they are usually also based on ZIP codes or counties. State and federal laws will also probably offer you a new Election Period of two months when you can select another plan if you lose your current one.

Medicare Supplement Plans in Kansas: Enrollment Statistics

These Kansas Medigap enrollment numbers may help you understand how your fellow beneficiaries are using their own benefits:

  • Total eligible for Original Medicare: Over 425,000
  • Owners of a Medicare Supplement plan in Kansas: Over 224,000
  • Most popular Medigap plan: Plan F has about 175,000 policy owners

This list has the populations of the biggest counties in the state:

  • Johnson County, KS: 584,451
  • Sedgwick County, KS: 511,995
  • Shawnee County, KS: 178,146
  • Wyandotte County, KS: 163,831
  • Douglas County, KS: 119,440

Of course, the highest enrollment numbers for the best Medicare Supplement plans in Kansas come from these more populated counties. In addition, you may have more Medicare Supplement insurance plan options in areas like Kansas City. If you have Medicare coverage through the federal Medicare program, however, you can sign up for a plan that will enhance your Medicare benefits, no matter where you might live in Kansas.

Related Medicare Supplement Plan Topics in Kansas

Senior Life Insurance Plans is a great resource for Medicare beneficiaries to learn about there options, we also specialize in senior life insurance plans. We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as AetnaCignaMutual of Omaha and Florida Blue Medicare plans. 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. We educate you on the best Medicare Plans for your situation, then let you decide.

Kansas Medicare Resources

These additional resources can also help you make better decisions about your Medicare Supplement plan in Kanas: