Kentucky Medigap Plans, also known as Medicare Supplement Insurance, serve as a vital complement to existing Medicare benefits. These plans are regulated by federal and state laws and are specifically structured to cover essential benefits that effectively fill the gaps in standard Medicare coverage.

Kentucky Medigap Plans typically pay most, if not all, Medicare co-insurance amounts and may provide coverage for Medicare’s deductibles.

How do Kentucky Medigap Plans Work?

In Kentucky, there are 12 standardized Medigap plans, labeled from “A” to “N.” Plan “A” is the “basic” benefit package, while the other plans include the basic package along with various additional benefits. Each plan covers specific expenses not fully covered by Medicare. Insurance companies can’t alter the benefits or the plan designations.

Although the benefits remain the same for standardized Medigap plans, the premiums can significantly vary between companies. An insurance company cannot make you wait for coverage to start, but in some cases, they may refuse to cover your pre-existing conditions for up to six months. This is referred to as a pre-existing condition waiting period. (Source)

You have a 30-day “free look” period to return the policy for a full refund. If you’re thinking about giving a policy a try, get in touch with us at 800-930-7956 to speak with a licensed agent.

Comparing KY Medigap Plans

Here are the Medigap plans available in the Bluegrass State if you qualified for Medicare after January 1, 2020. It may seem overwhelming at first but the majority of all enrollees select plan G because it offers the right balance of coverage and is usually priced well.

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

**Medigap Plan G High Deductible is identical coverage with a high deductible of $2,800.

If you were Part B eligible before January 1, 2020, you may be able to enroll plan in F or C.

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What do Kentucky Medigap Plans cover?

Medigap policies typically pay most, if not all, Medicare co-insurance amounts and may provide coverage for Medicare’s deductibles. Some plans cover services not included in Medicare, such as emergency medical care while traveling abroad and healthcare provider charges that exceed Medicare’s approved amount. Find out more about what Medigap covers.

Medigap Under 65

For individuals aged 50 to 64 eligible for Medicare due to disability or end-stage renal disease, automatic approval applies to all Medigap plans. Rates for those under 65 cannot exceed the weighted average rates for those aged 65 and above. This provision ensures fair and accessible coverage for those facing health challenges in the pre-Medicare age bracket. For more information, you can read our article on “Medigap Under 65 State Rules” here.

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Kentucky Medigap Discounts

Companies may offer discounts for non-smokers (outside of an open enrollment or guaranteed issue period), members of military groups, automatic bank draft, or electronic fund transfer (EFT) payments, etc. Make sure to consider those that apply to your situation (Source).

Additionally, you can save on Med Supp policies through the Household Discount (also known as ‘HHD’). According to information released by the Kentucky government, around 20 companies in the area provide it. This is why it’s essential to work with a licensed independent insurance agent to help you choose the right plan for your needs. Contact here or leave a comment in the box below.

You can receive up to a 14% discount depending on the insurer, and each has its own requirements. In some cases, it applies only to married couples, while in others, it extends to those residing in the same household, even without a legal union. Learn more about it in our Medigap Household Discounts article.

Kentucky Medigap Plans Birthday Rule

The birthday rule in Kentucky offers significant flexibility to Medigap plans. It allows policyholders to annually modify their Medicare Supplement plan, switching to the same plan through a different insurer, regardless of health, within the specified timeframe. This period extends from 30 days before to up to 60 days after their birthday. For more information, delve into our article: ‘Kentucky Medigap Birthday Rule“.

If you’re outside of Kentucky and want to know more about the Medigap Birthday Rule, visit this link to read our comprehensive state-by-state guide.

Next Steps for Adding Medigap Plans

Each special enrollment situation has its unique eligibility requirements and timeframes. It’s crucial to research each situation carefully to determine whether you qualify for a special enrollment period to enroll in a Medigap policy.

For personalized assistance and guidance, don’t hesitate to contact at 800-930-7956. Our dedicated team is here to help you determine the best time for your Medigap enrollment.

There are no charges or hidden fees when working with us, and no one can sell the same Medigap plan for less than can.