Medicare Supplement Plans in Kentucky for 2024
Seniors retiring in Kentucky get better predictability of their annual medical expenses by enrolling in Original Medicare Parts A & B.
These policies help you deal with medical and hospital care costs as you age.
However, they only cover 80% of expenses; you’re liable for the remaining 20%.
Receiving a huge hospital bill for an unforeseen medical expense can disrupt your financial planning.
Fortunately, a Medigap policy can help you pay for the out-of-pocket costs associated with your annual healthcare expenses not covered by Original Medicare.
Medigap plans are available for healthcare insurers in the Bluegrass State.
Every provider charges a different rate and offers a diverse selection of plans.
Previously, Plan F was the most popular option, but it’s unavailable for new Medicare members enrolling after January 1, 2020.
Now, Plans F & G are the most popular options.
The average cost of a Medigap policy across all ten categories and all providers is $134. So, which company has the best Medicare supplement plans in Kentucky, and who deserves your business?
This post unpacks the top-rated providers in your area offering Medigap policies at the most affordable rates.
Use Us to Find the Best Medicare Supplement Plans in Kentucky
Call us at 1-888-891-0229 for professional guidance on choosing the best provider and plan for your Medigap policy.
We offer a free consultation and quote, and we’ll set you up with the best Medigap policy for your healthcare requirements at the lowest rates.
You can leave us your contact details on our online form, and we’ll connect with you, or try the calculator on our site for a free automated quote on any Medicare supplement plan.
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The Best Healthcare Insurers for Medicare Supplement Plans in Kentucky
Get your Medigap policy from leading healthcare insurers in Kentucky.
We recommend the following companies for the best deals on Medigap plans in the state.
- Aetna
- Liberty Bankers
- AFSLIC
- Cigna
- Anthem
- Assured Life
- Atlantic Coast Life
- Bankers Fidelity
When it comes to finding the best provider for Plans F, G, & N in 2024, it’s a mixed bag across the board.
Here are the companies offering the most affordable premiums in each category.
- Best Plan G – UnitedHealthcare
- Best Plan F – Anthem Blue Cross and Blue Shield
- Best Plan N – Aetna Medicare
The Best Provider for Medicare Supplement Plan G in Kentucky – UnitedHealthcare
There are 42 providers of Plan G in Kentucky, and UnitedHealthcare offers you the most affordable policy.
The average cost of Plan G across all providers in the state is $171.90.
At $125 per month, UnitedHealthcare saves $38 over the most expensive provider, Aetna, which sells Plan G for $163.40.
UnitedHealthcare also offers the SELECT version of Plan G for a monthly premium of $118.49.
However, you’ll have to stay in-network when using hospitals and doctors, making it more restrictive.
UnitedHealthcare offers Plan G beneficiaries access to its “Renew Active” program, giving you discounts on gym memberships.
You get discounts for vision, hearing, and dental care and long-term nursing services.
Here are the options for the best prices on Plan G in Kentucky.
- UnitedHealthcare: $125
- Anthem: $130
- Cigna: $153
- Aetna: $163
What Does Plan G Cover?
Plan G offers superior coverage to any other plan other than Plan F (which isn’t available to new Medicare enrollees eligible for Medicare after January 1, 2020).
The only thing it doesn’t cover is the Part B deductible.
Plan G also comes in a high-deductible version, available for select companies. You get low premiums in exchange for a higher Part A deductible ($2,700).
Speak to our licensed agents if that sounds interesting.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
The Best Provider for Medicare Supplement Plan N in Kentucky – Aetna
The Best Provider for Medicare Supplement Plan N in Kentucky – Aetna
42 insurers in Kentucky offer Plan N.
The average cost of Plan N across all providers in the state is $154.40 per month.
Aetna provides the lowest monthly average premium of $105.13, costing around $49 less than the market average.
Anthem is the most expensive option at $143.70 per month, saving you $39 per month when using Aetna.
Here are the leading companies offering Plan N in Kentucky.
- Aetna: $105
- UnitedHealthcare: $112
- Cigna: $126
- Anthem: $144
What Does Plan N Cover?
Plan N has affordable premiums, and it’s a good choice for healthy seniors that don’t visit the doctor or emergency room often during the year.
You get low premiums because you must make copayments of $20 at the doctor’s office and $50 at the emergency room when not admitted to the hospital.
- Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
Plan N also doesn’t cover the costs of Part B excess charges, with practitioners charging above the “Medicare assignment” rate.
You’re liable for these additional costs. However, you can mitigate these fees by using doctors in the Medicare Network, charging Medicare Assignment rates.
What Do Plans G & N Not Cover?
Medigap plans, including Plans G & N, don’t cover the costs of preventative healthcare services.
So, they can’t help you with vision, dental, and hearing services.
They also don’t provide assistance for long-term care at nursing homes, private nursing duty, or prescription medications.
However, some providers include these services for free or an additional cost as an extra perk when buying a policy.
If you require these preventative services, speak to our agents, and we’ll find the right policy from the right provider to cover your needs.
What are the Best Alternate Medicare Supplement Plans in Kentucky?
The top-rated healthcare insurers mentioned earlier offer all the other Medigap policies.
Some have wider selections than others and different price points for the plans.
We looked at the best providers for plans A, B, C, D, K, and L, which are less comprehensive than plans G & N (except for Plan F, that’s only available to people eligible for Medicare before January 1, 2020).
UnitedHealthcare, Anthem, and Aetna offer you the best rates on the following plans.
- Plan A – UnitedHealthcare: $77.77
- Plan B – UnitedHealthcare: $136.94
- Plan C – UnitedHealthcare: $306.62
- Plan F – Anthem: $246.46
- Plan K – UnitedHealthcare: $54.74
- Plan L – UnitedHealthcare: $105.53
- Plan N – Aetna: $105.13
Frequently Asked Questions
What are Medicare Supplement Plans in Kentucky?
Medicare Supplement Plans (Medigap) in Kentucky are private health insurance policies that cover the gaps in Original Medicare.
How do I qualify for a Medicare Supplement Plan in Kentucky?
To qualify, you must be enrolled in Original Medicare and meet age or disability requirements.
Can I switch Medicare Supplement Plans in Kentucky?
Yes, you can switch plans, but there may be restrictions and enrollment periods to consider.
What are the benefits of having a Medicare Supplement Plan in Kentucky?
Medicare Supplement Plans cover out-of-pocket costs like deductibles and copayments.
How much do Medicare Supplement Plans cost in Kentucky?
Costs vary based on plan type, age, location, and insurance company.
Are pre-existing conditions covered by Medicare Supplement Plans in Kentucky?
Generally, pre-existing conditions cannot be denied or charged higher premiums during the initial enrollment period.
Are prescription drugs covered by Medicare Supplement Plans in Kentucky?
No, prescription drug coverage requires a separate Medicare Part D plan.
Are Medicare Supplement Plans in Kentucky standardized?
Yes, plans are standardized, offering the same basic benefits regardless of the insurer.
Can I have a Medicare Advantage Plan and a Medicare Supplement Plan at the same time in Kentucky?
No, you must choose between Medicare Advantage and Medicare Supplement Plans.
How do I enroll in a Medicare Supplement Plan in Kentucky?
Contact private insurance companies offering Medigap plans in your area to enroll.
Start Comparing Medicare Supplement Plans in Kentucky Now!
If you want to find the best Medicare Supplement Insurance plans in Kentucky, fill out the form to the right to start comparing quotes now!
If you prefer, call 1-888-891-0229 to speak with one of our licensed agents.
Updated December 4th, 2022