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.
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 ($1,632) | 100% | 100% | 100% | 50% | 75% | 50% | 100% | |
| Part B Deductible ($240) | ||||||||
| 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 | $7,060 | $3,530 |
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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.
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.
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!
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