Questions? Call for details:
(888) 414-4547

Best Medicare Supplement Plans in Kansas

Medicare Supplement Insurance in Kansas is an optional policy that acts a secondary payment source for Kansas beneficiaries. These Medigap policies are sold and administered by private health insurance companies, but the federal Medicare program standardizes the benefits offered by each plan.

Every beneficiary should understand the following facts before enrolling in a Medigap plan in Kansas:

  • There are 10 standardized plans available in Kansas plus high-deductible options on select plans.
  • Not all plans are available in all zip codes.
  • Medigap policies pay remaining expenses after Original Medicare benefits are exhausted.
  • Beneficiaries cannot purchase a Medicare Supplement insurance plan in Kansas if enrolled in Medicare Part C.
Find Plans in Your Area
 

The following Medigap plans are the most popular in Kansas:

Best for Full Coverage: Medicare Supplement Plan F

Medicare Plan F is the most comprehensive Medigap plan available in Kansas, but enrollment eligibility is limited to beneficiaries with a Medicare Part B effective date prior to January 1, 2020. For those that qualify, this is the Medigap insurance plan that will cover the most out-of-pocket expenses.

Best Comprehensive Coverage: Medicare Supplement Plan G

For beneficiaries with a Medicare Part B effective date on or after January 1, 2020, Medicare Plan G is the most comprehensive Medicare Supplement option. It offers the same basic benefits as Plan F but doesn’t cover the Medicare Part B deductible.

Best Value: Medicare Supplement Plan N

Medicare Plan N offers lower premiums than Plans F and G but still includes reasonable coverage that meets the needs of many beneficiaries. There are three differences between Plan N and Plan F:

  • Plan N doesn’t cover the Part B deductible
  • Plan N requires a small copay of up to $20 for some doctor office visits
  • Plan N requires a copay of up to $50 for emergency room visits

This plan offers high-value coverage for beneficiaries interested in paying some Part B coinsurance out of pocket in exchange for a lower monthly premium.

Best Deductible Plan: High-Deductible Medigap Plan F

Kansas beneficiaries have the option of paying a high annual deductible in exchange for significantly lower monthly Medigap premiums. High-deductible Plan F is the most comprehensive option, but there are eligibility restrictions that prevent many beneficiaries from enrolling.

High-deductible Plan F offers the same benefits as the standard Plan F. Beneficiaries have access to all plan benefits after the deductible is met out of pocket.

Best for Lowest Premiums: High-Deductible Medigap Plan G

High-deductible Plan G is the best option for beneficiaries unable to enroll in Plan F. It offers the same comprehensive Medicare benefits as the standard Plan G, but beneficiaries must pay the deductible out of pocket annually before accessing those benefits. This plan offers some of the lowest monthly premiums available to Medigap enrollees.

How much does a Medigap plan cost in Kansas

Kansas Medigap rates vary, based on the following factors:

  • Age
  • Gender
  • Zip code
  • Tobacco use

To give beneficiaries a good idea of where rates are for 2022, we ran quotes for a female non-smoker living in zip code 66104 at the age of 65.

65-Year Old Female Non-tobacco
Plan Type Premium Range
Plan F$173 per month
Plan G$140 per month
Plan N$114 per month

Enrolling in a Medicare Supplement plan in Kansas

Medicare’s Annual Enrollment Period doesn’t apply to Medigap insurance. It’s only applicable to Advantage and Part D plans.

The best time to enroll in a supplemental insurance policy is during the one-time Medigap Open Enrollment Period. It starts the first day of the month a beneficiary enrolls in Medicare Part B and is at least 65 years old. It lasts for six full months.

During the Open Enrollment Period, the insurer is held to the following guaranteed issue rights:

  • Beneficiaries are guaranteed enrollment in the plan of their choice regardless of pre-existing conditions or current health condition.
  • The Medicare insurance company cannot deny the beneficiary coverage or increase the rate based on medical condition. Medical underwriting is not permitted.
  • The insurer cannot later cancel the policy unless the beneficiary fails to pay premiums.

In some cases, the insurance company may delay coverage for pre-existing conditions for up to six months. Guaranteed issue rights are limited to medical-based denial of coverage or rate hikes.

FAQ:

When can I change Medigap plans?

Beneficiaries may change their Medigap plan during their initial enrollment period without losing guaranteed issue rights. Once that period has passed, most beneficiaries are stuck with their chosen plan unless they want to submit to medical underwriting to see if their current or a new insurance company will issue them a new policy.

There is a one-month “first look” period that applies to new policies. Beneficiaries should pay the premium for the old plan and the new plan for one month. That allows them to move back to the old plan if they don’t like the new plan.

It’s harder to qualify for a special enrollment period with guaranteed issue rights unless the beneficiary has a SELECT plan. Medigap policies allow beneficiaries to select their medical providers nationwide, so moving to a new zip code or state may not trigger a special enrollment period to switch plans.

Can I be denied Medigap coverage?

Private insurance companies can deny beneficiaries coverage if they apply outside of their initial enrollment period and aren’t qualified for a special enrollment period with guaranteed issue rights. It’s important for beneficiaries to apply for Medigap soon after they enroll in Medicare Part B through Social Security.

Ready to Learn More?

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 Aetna, Cigna, Mutual 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. 

Related Topics

Kansas State Links

Key Take Aways
  • Medicare Supplement plans in Kansas for 2022 can provide peace of mind for many Medicare beneficiaries stressed by out-of-pocket costs like coinsurance, excess charges, premiums, and the Part A deductible.
  • There are 10 Medicare Supplement Plans in Kansas to choose from.
  • In Kansas, Medicare Supplement Plan G is the most popular plan for 2022.