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Find Affordable Medicare Plans in Kentucky

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Best Medicare Plans in Kentucky

If it’s time for you to sign up for Medicare in Kentucky or if you have recently signed up for Medicare in Kentucky, you might be feeling a bit confused. Medicare can be a confusing program for people who don’t know much about it, but we’re here to help beneficiaries like you to understand their Kentucky Medicare benefits and their options for Medicare plans in Kentucky.

Overview of Medicare in Kentucky

First, Medicare beneficiaries in Kentucky can sign up for Medicare Part A. Medicare Part A provides you with hospital insurance. When you have costs for inpatient hospital care or hospice care, Part A will help. You don’t normally have to pay a monthly premium for Part A.

Next, if you want to make the most of your Kentucky Medicare benefits, you will need to sign up for Medicare Part B. You do have to pay a monthly premium for Medicare Part B, but you’ll probably find that the coverage and benefits that you will get will be well worth the Medicare Part B premium.

Original Medicare insurance does provide a lot of coverage, but you will still be left to deal with coinsurance, copayments and deductibles. There are Medicare plans in Kentucky that you can become a beneficiary of that will help you enhance your Medicare coverage and save on out-of-pocket costs for health care. We’re here to help you compare health plans and their benefits and coverage and to help you find the best health insurance rates.

Enrollment Statistics for Medicare in Kentucky

  • In 2018, there were 931,476 Medicare beneficiaries in Kentucky.
  • Out of those Medicare beneficiaries in Kentucky, 266,487 had Medicare Advantage (Medicare Part C) plans.
  • Many Kentucky beneficiaries who don’t have Medicare Advantage have Medicare Supplement plans to help with additional costs that aren’t covered by Original Medicare insurance.

Types of Medicare Plans in Kentucky

If you’d like to enhance your Kentucky Medicare insurance, signing up for an additional plan might be smart. Of course, you’ll need to compare the different types of plans and the benefits and coverage that they offer. These are the different types of Kentucky Medicare insurance plans that you will want to know about.

  • Medicare Supplement Plans in Kentucky – First of all, it’s worth it to take a look at Medigap plans. After you are enrolled in Original Medicare Part A and Part B, you can sign up for one of these Supplemental plans. There are 10 different plans you can choose from in Kentucky, although each insurance company might not offer all 10 plans. This plan will help make up for the gaps in your Medicare coverage and reduce your out-of-pocket expenses. Medicare Supplement insurance does not have service area restrictions.
  • Medicare Advantage Plans – Medicare Advantage plans are designed to be used instead of Original Medicare insurance rather than along with this insurance. These Medicare plans in Kentucky often include wellness benefits of beneficiaries. Additionally, things like dental, vision and hearing coverage might be included. Included in the rates for some of these plans is Medicare Part D prescription drug coverage. Some plan options are HMO or PPO plans and therefore have network restrictions for health care providers; however, some plans like PFFS plans do not.
  • Medicare Part D Prescription Drug Plans – Medicare in Kentucky does not cover prescription drug costs, and Supplement plans do not cover these costs, either. If you don’t have an Advantage plan with prescription drug coverage, then you’ll need to sign up for one of the stand-alone Medicare Part D plans as soon as you can. This is best so that you can enjoy benefits quickly and so that you can avoid the Medicare Part D late enrollment penalty. You can purchase these plans from top companies like Cigna or Aetna.
  • Special Needs Plans – SNPs are special Advantage plans for Kentucky beneficiaries who have certain serious and chronic health conditions. End-stage renal failure is one example.

Kentucky Medicare Resources

If your Initial Medicare Enrollment Period is coming up soon, you probably want to learn what you can about Medicare in Kentucky, such as by reading a complete description of benefits that you can enjoy as a Medicare beneficiary. These helpful state and federal government resources can provide you with more information about the Medicare program and about any financial help that you might qualify for:

Along with using the above resources to learn more about Medicare in Kentucky, you can also use our website or call and chat with one of our licensed insurance agents for extra help. You can look at our Medicare Supplement plans comparison chart here on our website, and you can compare Medicare Supplement plan quotes to find the best plan with the most affordable premiums. 

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