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Medicare Supplement Plans in Kansas

Medicare Supplement plans in Kansas are the solution for out-of-pocket costs that come with the federal Medicare program. If you only sign up for basic Medicare benefits, you will pay coinsurance, copayments, excess charges, and deductibles. The leading Medicare Supplement plans in Kansas will cancel most if not all of those expenses.

What are Medicare Supplement Plans in Kansas?

Medicare Supplement insurance plans are also known as Medigap plans because they’re designed to fill the gaps in Original Medicare’s basic benefits. Those gaps create out-of-pocket costs that many beneficiaries struggle to cover.

When you enroll in a Medigap plan in Kansas, you trade some or all of those expenses for a monthly premium. The policies are offered by private insurance companies, so working with a licensed insurance agent is essential to getting the best rates on your supplemental Medicare insurance policy.

There are some medical benefits that Medigap policies won’t cover:

  • Prescription drug coverage
  • Vision
  • Hearing
  • Dental

What are the Most Popular Medicare Supplement Plans in Kansas?

Every beneficiary must compare Kansas Medigap policies to determine the best pick for their personal needs. There are 12 plan options in Kansas, but five stand out as the best options for most beneficiaries.

1. Medicare Plan F

  • Plan F is only available to beneficiaries with an Original Medicare effective date prior to January 1, 2020
  • Covers the widest range of out-of-pocket expenses, including coinsurance, copayments, Part B excess charges, and deductibles for Medicare Part A and Medicare Part B
  • Includes foreign travel emergency care

2. Medicare Plan G

  • The most comprehensive option for beneficiaries with a Medicare Part B effective date after January 1, 2020
  • Offers the same coverage as Medicare Plan F except it only includes the Medicare Part A deductible
  • Beneficiaries must pay the Medicare Part B deductible out of pocket

3. Medicare Plan N

  • Plan N covers Part B coinsurance with the exception of copayments for doctor’s office and emergency room visits
  • Emergency room visit copayment up to $50
  • Doctor’s office visit copayment up to $20

4. High-Deductible Plan F

  • Same comprehensive benefits as Plan F for beneficiaries with Medicare Part B effective dates prior to January 1, 2020
  • Low monthly premiums
  • Must pay the annual deductible before gaining access to complete benefits
  • In 2022, the deductible is $2,490. The plan will cover 100% of the costs after the deductible is met.

5. High-Deductible G

  • Same comprehensive benefits as Plan G for beneficiaries with Medicare Part B start dates on or after January 1, 2020.
  • Low monthly premiums
  • Must pay the annual deductible before gaining access to complete benefits
  • In 2022, the deductible is $2,490. The plan will cover 100% of the costs after the deductible is met.

How Much Does a Medigap Plan Cost in Kansas?

The cost of a Medicare Supplement insurance plan in Kansas depends on zip code, age, tobacco use, and other personal factors. To illustrate current rates, the following data is based on quotes for a female nonsmoker at the age of 65 who lives in Kansas zip code 66106.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$119.99 - $163.22
Plan N$89.21 - $149.10

When Can I Apply for a Medicare Supplement Plan?

Your eligibility for a Medigap plan in Kansas starts when you turn 65 and sign up for your basic social security benefits. The best time to enroll is during your Medigap Open Enrollment Period, which lasts for six months and starts the month that you sign up for Medicare Part B. You should enroll in a Part D prescription drug plan at the same time.

During the open enrollment period, private health insurance companies are required to give you the following guaranteed issue rights:

  • They must accept your application for the Medigap plan of your choice.
  • They cannot put your application through medical underwriting. That means your rates are not based on pre-existing conditions.
  • They cannot cancel your insurance or increase your rates based on health conditions as long as you pay your monthly premiums.

Who Sells Medicare Supplement Plans in Kansas?

There are many private insurance companies authorized to sell Medigap plans in Kansas, but only a few stand out for consistency in pricing, excellent to superior financial health, and dependable customer care. We recommend most beneficiaries select a Medicare insurance company from the following short list when selecting a Medigap insurance policy.

  • Aetna
  • Cigna
  • Mutual of Omaha

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Related Topics

Kansas Medicare Resources

Kansas Enrollment Statistics

  • The five largest counties in Kansas are Johnson County, Sedgwick County, Shawnee County, Wyandotte County and Douglas County.
  • In 2018, there were over 500,000 Original Medicare insurance beneficiaries in Kansas. That reflects an increase in beneficiaries since 2015.
  • Approximately 233,000 of the 2018 Medicare beneficiaries were enrolled in Medicare Supplement plans in Kansas.
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