Kansas Medigap Plans, often referred to as “Medicare Supplement Insurance”, covers expenses that Original Medicare doesn’t. Out-of-pocket costs like coinsurance, copayments, and deductibles are among the gaps in Original Medicare coverage. Disabled Medicare beneficiaries under 65 in Kansas have the same access to all MedSupp policies and at the same price.
Kansas Medigap Plans Basics
Medicare Supplement Insurance has different plans labeled with letters like A, B, C, D, F, G, K, L, M, and N. These plans follow certain rules set by the government to keep you protected. All insurance companies in Kansas need to offer Plan A, the basic one. They also have to give you either Plan C or Plan F if you became eligible for Medicare before 01/01/2020, or Plan D or Plan G if you became eligible on or after 01/01/2020. Plan A has the essential benefits, and the other plans add on more benefits. (Source)
Medigap policies may also include additional benefits, such as coverage for emergency healthcare while traveling abroad, helping you reduce your overall expenses. If all this information is making your head spin, no worries! Just give our friendly team at Senior65.com a call at 800-930-7956. We’ll help you figure out the best option, and guess what? There are no costs to you. Any commission we receive comes directly from the insurance carrier. Nobody (not even the insurance companies) can sell you the same Medigap plan for less than we can.
Comparing Kansas Medigap Plans
The following chart showcases 8 Medigap plans (and how they cover annual Medicare Part A & B costs) available in Kansas to those who qualified for Medicare Part B after 2020. Medigap Plans C and F are only available for those who became Medicare Part B eligible prior to January 1, 2020.
| Benefits | A | B | D | G* | K | L | M | N |
|---|---|---|---|---|---|---|---|---|
| Medicare Part A Deductible ($1,676) | 100% | 100% | 100% | 50% | 75% | 50% | 100% | |
| Part B Deductible ($257) | ||||||||
| Medicare Part A Hospital Coinsurance and 365 additional hospital days | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B Coinsurance | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| First 3 Pints of Blood for a Transfusion | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Medicare Part A Hospice Coinsurance or Copay | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled Nursing Facility Coinsurance | 100% | 100% | 50% | 75% | 100% | 100% | ||
| Medicare Part B Excess Charges | 100% | |||||||
| Foreign Emergency Healthcare | 80% | 80% | 80% | 80% | ||||
| Max Out-of-Pocket | $7,200 | $3,610 |
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*Medigap Plan High G offers the same coverage as Medigap Plan G but with a deductible.
When to enroll in a KS Med Supp plan
It’s advisable to purchase a Medicare Supplement policy during your initial six-month Medicare Supplement open enrollment period. You can choose any policy offered in Kansas, regardless of your health status. This period begins automatically the month you turn 65 or older, or if under 65 and eligible for Medicare due to disability, and enrolled in Medicare Part B. Find out all the details in our article When is the deadline to enroll in a Medigap plan?
If you apply for Medicare Supplement coverage after this enrollment period, insurers may subject you to medical underwriting requirements. It’s crucial to consult with a licensed independent insurance agent to ensure you pick the right plan at the right time. Give us a call at 800-930-7956 for assistance.
Medigap Under 65 in Kansas
Disabled Medicare beneficiaries under 65 in Kansas have the same access to all Medicare Supplement policies. (source) Once you’re in Medicare Part B, you get a six-month chance to grab supplemental coverage, starting the day Part B kicks in. The policies are sold at the same price as for 65-year-old seniors. You can’t be turned down for any plan during this time. You get a second shot when you turn 65. Read our article about all the rules at Medigap Under 65.
Switching Medigap Plans in Kansas
Considering a switch to a different Medigap plan? Keep in mind that the AEP Open Enrollment period, from October 15 to December 7, doesn’t apply to Medigap plans in your state. Switching is still an option, but it’s essential to know this might require a health review, known as “medical underwriting.”
This process includes around 20 health-related questions, and based on your responses, you may be approved at the best available rate or possibly at a higher one. Be aware that certain pre-existing conditions could lead to a denial for the new plan. For a detailed breakdown, explore our resource, “The Definitive Guide to Medicare Insurance Changes.”
If you’re thinking about making a change, reach out to our team for free guidance. Give us a call at 800-930-7956. Our team at Senior65.com is here to help you. We will guide you through the process of enrolling in the best plan for your health and budget.
Kansas Medigap Most Popular Plans
Based on the newest data from America’s Health Insurance Plans (AHIP), more than 250,000 residents in Kansas have chosen a MedSup policy. Plan F still leads in enrollment, but new seniors can’t join it anymore. Consequently, Plan G has become the second most chosen, attracting over 105,000 new enrollees since January 1, 2020. Plan G is favored for its good balance of benefits and cost.
Why is Plan G so popular? Get the inside scoop with our in-depth article. Click to read!
Kansas Medigap Discounts
Even though Medigap plans are kind of the same, some companies give this thing called “Household Discount” or “HH Discounts.” Basically, it’s a discount off your monthly Medicare Supplement premium if two people living in the same place sign up with the same Medigap insurance company. Some providers don’t need both of you to be on the plan for the HH discount.
This discount works no matter where you live, be it a house, apartment, yurt, trailer, or any other place. It also works if your partner is already in and you’re just joining. Remember, our Medigap quoting system won’t automatically show household discounts, so be sure to hit the “show household discount” button on the results page.
A good alternative is the Roommate Discount, which has just a few simple requirements. Learn all about it in our article, “What is the Medigap Roommate Discount and How Can You Qualify?”
Medicare Excess Charges in Kansas
If your doctor’s bill is higher than what Medicare approves, the difference is a Part B excess charge. This happens when your provider opts out of Medicare’s rates and can legally increase your bill by up to 15%. Luckily, there are MedSupp plans (like Medigap Plan G) that will cover these additional costs. For more information, check out our article, “How to Avoid Medicare Excess Charges.”
What now, Kansas?
Take action today and request a Medigap quote for Kansas! You can reach out to our licensed agents at 800-930-7956; it’s just a phone call away!
Keep in mind that at Senior65.com, our committed team provides free services, so you have no obligations. Feel free to leave a comment or ask any questions below, and we’ll gladly help you out!