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Medicare Supplement Insurance Plans in Kentucky

No obligation to enroll

Which Medicare Supplement Insurance Plans Are Available in Kentucky?

If you’re a Kentucky resident looking for a way to cover some of the “gaps” (copayments, coinsurance and deductibles) from the coverage you receive through Medicare Parts A and B, you might want to consider a Medicare Supplement Insurance plan in Kentucky. Also called Medigap, a Medicare Supplement Insurance plan fills in holes in coverage such as out-of-pocket costs. Those looking for such an insurance policy can find one from private insurance companies throughout Kentucky.

In 2022, Kentucky residents have 10 Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits in Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available. Individuals who already have Medigap plans which are no longer available to those who are newly eligible to Medicare are grandfathered into their plan.

As of 2020, Medicare Supplement Insurance plans will no longer sell Medigap Plans C or F to newly eligible Medicare members. Congress has decided that new Medigap plans will no longer be allowed to cover the Part B deductible after January 1, 2020. This will only affect Medicare Supplement Insurance Plans C and F as these are the only Medigap plans that cover the Part B deductible. Anyone enrolled in a Medigap Plan C or F as of December 31, 2019, will be grandfathered and will be able to continue to use their plan as long as they want.

Kentucky residents looking for the most popular Medicare Supplement Insurance plans need to first look at their specific coverage needs to determine what Medigap plans they should consider.

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Most Popular Supplement Insurance Plans in Kentucky

Kentucky’s government-approved Medicare Supplement Insurance plans protect residents in most states, including Kentucky. As reported by AHIP, 232,626 Kentucky beneficiaries enrolled in a Medigap policy in 2019.

Below is the breakdown of the number of Kentucky enrollees by Medigap plan type.

Enrollment #1,1253,18611,9456623,487123,33758,1811,5296772,434792496223,460

Source: AHIP. Reflects data through December, 2019.

PlanEnrollment #

Source: AHIP. Reflects data through December, 2019.

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Kentucky Medicare Supplement Insurance plan will not cover benefits for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan to cover prescription drug costs or consider a Medicare Advantage plan, which typically includes prescription drug coverage and may also include other benefits, such as dental, vision, hearing coverage and gym memberships.

Learn more about your Medicare Supplement Insurance plan options in Kentucky by working with a SelectQuote licensed sales agent. Acting as your advocate, our licensed sales agents can guide you through the Medicare maze to better understand the Medigap plan options and answer any questions you may have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in Kentucky.

Kentucky residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage plan.

When is the Kentucky Medicare Supplement Plan Enrollment Period?

Initial enrollment timeframes are very important. Enrollment for Kentucky Medicare Supplement Insurance plans begins the first day of the month you turn at least 65 years old. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.

Kentucky residents have a six-month period surrounding their birth month to buy a Medicare Supplement Insurance plan. Those under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial 6 months are you eligible for Medicare. You might be surprised to hear that enrollment can begin as early as 64 and 6 months. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. If you apply for Medicare Supplement Insurance outside of this timeframe, Kentucky residents are subject to a physical exam. If you apply for Medigap coverage after the first months of eligibility, a company can refuse to sell you a plan or premiums may also adjust depending on current health status and pre-existing health conditions.

How Do I Know if a Kentucky Medicare Supplement Insurance Plan is Right For Me?

SelectQuote is an independent third-party company who is equipped to help you navigate the Medicare maze. We can help to ensure you receive all the available benefits you deserve. SelectQuote licensed sales agents can also help you stay current with annual updates to Kentucky Medicare plans made by insurance companies. As a trusted specialist in Medicare Insurance, SelectQuote is here to help you find the right Medicare Supplement plan to meet your needs.

To ensure you are getting all the benefits you are entitled to receive, call or complete your online form today. Let SelectQuote’s personal licensed sales agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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