Medicare Supplement (Medigap) Plans in Kansas
Written by: Rachael Zimlich, RN, BSN
Reviewed by: Eboni Onayo, Licensed Insurance Agent
Medicare Supplement Plans are private insurance plans that can be added to Original Medicare .
These plans, also called Medigap plans, cannot be combined with a Medicare Advantage plan.
Medigap plans in Kansas can be used to pay for things like deductibles and copayments after Medicare pays its share.
The cost of your monthly Medigap premium , and how much you will pay in other out-of-pocket costs, will depend on your individual plan.
Medicare Supplement Plans in Kansas
Medicare Supplement Plans, also known as Medigap plans, are private insurance plans designed to help you pay for the out-of-pocket costs associated with Original Medicare. While Medicare is designed to cover the majority of your healthcare costs, you will still have to pay some deductibles and copayments. This is where a Medigap policy in Kansas can help.
These plans are not mandatory, but are applied after Original Medicare pays its share of your healthcare costs. You pay a monthly premium and then, depending on your plan, pay reduced amounts on your out-of-pocket costs. Anyone who is eligible for Medicare in Kansas has the option to enroll in a Medigap plan.
If you are newly eligible for Medicare and you plan to stick with Original Medicare instead of signing up for a Medicare Advantage plan, you may want to explore some of the Medicare Supplement Plans in Kansas. You can get the best prices and coverage options on these plans if you sign up when you first become eligible for Medicare. After that, there is a chance you could pay more for your plan or be denied coverage altogether based on pre-existing health conditions.
If you want to sign up for a Medicare Supplement Plan in Kansas, you should decide what kind of coverage you want and what your budget is, and then see what plans and prices are offered where you live. A GoHealth licensed insurance agent can help you find specific Kansas Medigap policies that meet your needs.
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Kansas Medicare Supplement Plan Coverage
There are 12 different types of Medigap plans. Two of these plans — plans F and G — include high-deductible versions, where you will pay a lower monthly premium in exchange for higher deductibles when you need care.
Although the federal government dictates what each plan has to cover, each insurance company has some room to tailor individual plans and prices.
All Kansas Medigap plans will cover:
- Medicare Part A coinsurance for hospital and hospice care
- Medicare Part B coinsurance and copayments
- Blood needed for medical procedures (first 3 pints in a year)
Some Kansas Medigap plans will also cover:
- Part A coinsurance for skilled nursing care facility
- Part A deductible
- Part B excess charges
- Up to 80% of foreign travel emergency healthcare
You can compare each of the 12 available Medigap plans in this side-by-side comparison chart. Each of these plans is offered in Kansas, but plan choices and rates can vary from one insurance company to another and even between zip codes. Plans C and F can only be purchased if you were first eligible for Medicare before January 1, 2020. Plans sold to people eligible after that date are no longer allowed to fully cover Medicare Part B deductibles.
Kansas Medigap Plan Costs
You will pay a monthly premium for aMedigap plan in exchange for savings on out-of-pocket costs like deductibles and copayments. Higher premium plans generally come with lower deductibles and copayments, while policies with lower monthly premiums will have higher out-of-pocket costs. Which plan you should choose will depend on your individual healthcare needs. Rates can vary depending on the insurance company that sells your plan, your age, if you are married, your overall health and where you live.
Monthly premiums for Medigap policies in Kansas range from about $56 to $1,004 in 2022. For the two high-deductible plans, you can expect to pay a monthly premium of between $30 and $180. Most plans offer a $0 deductible for Part A services, and a $0 to $233 deductible for Part B services. For the high-deductible plans, however, you can end up paying up to $2,400 for your overall plan deductible, and then pay no separate deductibles for Part A or B coverage. The copayment and coinsurance rates you pay will also vary by plan, but usually range from $0 to about 10% of the service cost after your deductible is met.
No matter which Medigap plan you choose, Original Medicare will pay its share of your healthcare costs first, and then your supplemental plan coverage will kick in. Even though you will pay a monthly premium for your Medigap policy, for people who have a lot of healthcare needs and expenses, the cost of your Medigap premium is usually less than you would pay for out-of-pocket costs without supplemental insurance.
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Medicare Supplement Plan Eligibility & Enrollment in Kansas
Anyone who is eligible for Medicare in Kansas can purchase a Medicare Supplement Plan. Eligibility rules for Medicare are the same in each state, and generally include anyone age 65 and older or people who qualify for disability benefits from the Social Security Administration.
You may decide to wait to buy a Medigap policy, but this could limit your choices. If you don’t buy a Medicare Supplement Plan when you first enroll in Medicare, there’s no guarantee you will be able to buy a plan later, and you could pay more if you do get one. The best price and choice for Medigap plans will be available to you during your initial six-month Medicare Open Enrollment Period, which begins the first month you have Medicare Part B coverage.
If you do add a supplement plan to your Original Medicare coverage, you should review which plans best fit your health needs and your budget. You can use Medicare’s online plan finder tool to help you locate and compare policies and plan providers in your zip code. GoHealth licensed insurance agents can also help you find plans in your area and thoroughly help you compare them so you can find the right one that will fit your needs.
Are There Kansas Medicare Supplement Plans with Prescription Drug Coverage?
Medicare Supplement Plans sold after January 1, 2006, are not allowed to include prescription drug coverage. If you bought your Medigap plan before that date, you can keep the coverage, but you may lose it if you make changes to your plan.
To get prescription drug coverage, you can purchase a Medicare Part D plan. These are private insurance plans that help you cover the cost of prescription drugs. Consider your medication needs in the present and in the future when you’re first eligible for Medicare, because if you don’t sign up for one of these plans when you are first eligible, you will have to pay a late enrollment penalty based on how long you went without a drug plan.
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Medigap vs. Medicare Advantage in Kansas
Medicare Advantage plans are private insurance plans that combine your Original Medicare (Parts A and B) with additional services like vision care, dental and even prescription drug coverage.
Since these plans are already designed to consolidate your plan and save you money, you cannot add a Medigap policy to a Medicare Advantage plan. You can only use Medigap policies with Original Medicare.
If you switch to a Medicare Advantage plan and you’re not happy with your choice, you have a one-time, 12-month grace period to switch back to Original Medicare and get your Medigap plan back or choose a different one.
Learn More About Medicare
Healthcare is personal. So is choosing insurance. If you are new to Medicare, a beneficiary researching options, or a caregiver, we have tailored Medicare Guides for you.
Before 65 Guide
Understanding health insurance before age 65, especially when considering early retirement
Medicare Plans Guide
Costs, coverage and enrollment details for each Medicare plan
Medicare Beneficiary Guide
For those currently enrolled in Medicare
Low Income and Medicare Guide
For individuals with a qualifying income status
A Caregiver’s Guide
For individuals with a qualifying income status