Kansas Medicare plans consist of Medicare Supplement plans and Medicare Advantage plans. Kansas Medicare Supplement insurance plans help to pay for the gaps that Medicare does not cover, such as hospital deductibles and outpatient coinsurance. In Kansas, like all other states, you can choose from 10 standardized Medicare Supplement insurance plans. Some insurance companies also offer Medicare Advantage plan choices.
Kansas Medicare Supplement Insurance
Rates for Medicare Supplement plans vary based on the insurance company, plan you choose, and personal information. Also called Medigap plans, these insurance policies are standardized by the government. The benefits for each plan letter are the same regardless of which Kansas Medicare Supplement insurance company you decide on.
That means if you purchase a specific Kansas Medicare Supplement Plan such as a Medigap Plan G with United Healthcare or Blue Cross Blue Shield or Aetna, your coverage will be exactly the same with each company.
You can shop for the lowest priced Kansas Medicare Supplemental Insurance policy in your zip code. Be sure, however, that you also research the insurance company’s financial ratings and rate-increase trends before you make your selection. If you pair your Kansas Medigap plan with a Part D drug plan, you will have great coverage for inpatient, outpatient, and pharmacy needs.
Keep in mind that after 2020, there will only be 8 Kansas Medicare Supplement plans available. Plan F and Plan C will no longer be available since they cover the Part B deductible.
Not everyone can afford Medigap coverage or feel they need that comprehensive of coverage, so they can also look at Medicare Advantage plans in Kansas.
Medicare Advantage Plans Kansas
Congress created Medicare Advantage plans in the 1990s as an alternative to Medicare and Medigap. Called Part C of Medicare, Advantage plans give you another way to get your same Part A and B benefits through a private insurance company.
Most Medicare Advantage plans in employ a network of providers. Plans with HMO networks will require you to use their network except in emergencies. PPO plans give you lower copays for using network providers. However, you still have the option to treat outside the network. Doing so will cost you more though.
Many Kansas Medicare Advantage plans have a Part D drug plan rolled into the coverage. This is convenient because you can use the same member ID card at the doctor’s office and at your pharmacy.
Though Medicare Advantage plans are cheaper than Medigap plans when it comes to premiums, be prepared that you will pay copays on the back end as you go along.
Common Questions About Kansas Medicare:
Here are some of the most frequently asked questions our team receives about Medicare Supplements in Kansas.
Yes. Medigap plans use Original Medicare’s network, which consists of nearly 1 million providers. You can use your Medigap plan in any state as long as you see doctors who accept Original Medicare.
You can drop your Medicare Advantage plan and apply for a Medicare Supplement only two times throughout the year – during the Medicare Advantage Open Enrollment Period or the Annual Election Period. However, you will likely have to answer health questions during your Medicare Supplement application.
No. Medicare Supplements do not include drug coverage unless the drug is subject to Part B coverage. You will need a stand-alone Part D plan for prescription drug coverage.
Help with Medicare in Kansas
Call (855) 732-9055 today to get a comparative financial and rate analysis for several Kansas Medicare Supplement Insurance Plans. You can also use this link below to request a personalized rate quote from one of our licensed Kansas Medicare Supplement Insurance agents.