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Medicare Supplement Plans in Kentucky

For Kentucky seniors enrolled in the federal Medicare program, Medicare Supplement plans in Kentucky are a way to reduce out-of-pocket medical expenses. Out-of-pocket costs include deductibles, coinsurance, and copayments.

When you sign up for Medicare benefits through the Social Security Administration, you choose how you want your Medicare coverage:

  • Original Medicare
  • Medicare Advantage

Medicare Supplement plans in Kentucky only work with Original Medicare (Part A and Part B). They do not include Medicare Part D prescription drug coverage. For that, you must buy a standalone Prescription Drug Plan.

What is the Best Medicare Supplement Plan in Kentucky?

Kentucky offers 10 standardized Medicare Supplement insurance plans. Each plan has different plan options and costs, so it’s wise to compare.

1. Best Comprehensive Coverage: Medicare Plan F

  • Plan F covers everything: coinsurance, copayments, excess charges, Part B and Part A deductibles
  • Has the highest premium among Medigap policies
  • Must have a Medicare start date prior to Jan. 1, 2020

2. Best for New to Medicare: Plan G

  • Plan G is the comprehensive coverage for beneficiaries with Medicare start date after Jan. 1, 2020
  • Covers everything Plan F covers except Part B deductible
  • Cheaper than Plan F for those who can choose either plan

3. Best value: Plan N

  • Plan N is comprehensive coverage with lower premium
  • Pays Part B coinsurance except for copayments: $20 office visit, $50 ER visit
  • Does not cover excess charges

4. Best for Cheapest Premiums: High-Deductible  Plan G

  • Benefits same as Plan G but requires annual deductible
  • Cheaper than Plan G
  • 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 Kentucky?

Premiums vary based on zip code and demographics such as age and gender. Here’s how average costs compare for a nonsmoking female age 65 in Louisville (zip code 40202).

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan F$137.87-$216
Plan G$105.07-$149.69
Plan N$93.78-$155.70

When Can I Apply for a Medicare Supplement Plan?

Medicare Supplement plans do not have an annual enrollment period like Medicare Advantage and Medicare Part D plans. You can apply for a Medicare Supplement insurance plan in Kentucky at any time, but you aren’t guaranteed coverage.

The best time to enroll is during your Medigap Open Enrollment Period because you have guaranteed issue rights:

  • The insurance company cannot deny you coverage.
  • The insurer cannot require medical underwriting.
  • The insurance carrier cannot charge a higher premium because of pre-existing conditions.

Your open enrollment period is a six-month time frame that starts when you turn 65 and have enrolled in Part B Medicare.

You’re guaranteed coverage in a few other situations:

  • Your employer group coverage ends
  • You lose coverage through no fault of your own
  • You move out of your plan’s service area

Who Sells Medicare Supplement Plans in Kentucky?

More than 30 private health insurance companies offer Medigap insurance in Kentucky. These three have strong financial ratings according to Standard & Poor’s:

  • Cigna
  • Aetna
  • 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

Kentucky Medicare Resources

Kentucky Enrollment Statistics

Of the nearly 4.5 million residents in Kentucky, about 15.2 percent are over 65. Some more Medicare statistics:

  • Kentucky had 916,666 Medicare beneficiaries in 2018.
  • Sixty-nine percent had Original Medicare insurance.
  • In 2015, 31 percent of Medicare beneficiaries enrolled in a Medigap plan.

Kentucky’s population is spread out over 120 counties. Here are the largest population centers:

  • Jefferson
  • Fayette
  • Kenton
  • Boone
  • Warren
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