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Kansas Medicare Plans

Kansas Medicare policies are standardized policies, but these policies can often leave behind many out-of-pocket costs. This is why many Medicare beneficiaries choose to enroll in a Supplement plan or an Advantage plan to help cover some of those lingering expenses. 

Kansas Medicare plans open enrollment

In Kansas open enrollment begins three months prior to your 65th birthday and continues for the three months following your birthday. At this time it is best to enroll in a Supplement as you cannot be denied because of a pre-existing health condition. 

While you can enroll in a Supplement at any time throughout the year, you will need to answer health questions and can be declined coverage. This is why that open enrollment period is so important. 

Medigap Plans

The coinsurance and deductibles left behind by Original Medicare can leave many beneficiaries frustrated. As Medicare only covers about 80% of the out-of-pocket costs, some people look toward Supplements. 

A Medicare Supplement can put a cap on your out-of-pocket expenses.Another perk is the Supplement allows you to visit any doctor that accepts Medicare patients. 

In Kansas there are 10 Medicare plans that all offer standardized coverage. The plans are labeled A-N. Similarly lettered plans provide similar coverage. The main difference in the plans is the cost. This is why it’s so important to compare and shop your plans prior to enrolling. A Medicare agent can help you with this process. 

If you were enrolled in a Medigap plan C or F prior to 2019 you will be able to remain enrolled in the plan; however, new beneficiaries will not be able to enroll in those plans. 

Medicare Advantage Plans

Depending on the county you live in, Kansas has up to 40 Advantage plans or Part C plans. These are private plans that offer all the original benefits of Medicare and have some additional features. For example, Advantage plans include coverage for dental care, vision and prescription drug coverage. 

Medicare Part D

If you need coverage for prescription drugs out-of-pocket expenses, you will want to enroll in one of the 28 Part D plans that Kansas has to offer. These plans help to cover costs at the pharmacy. Original Medicare plans don’t have coverage for prescription drugs, so many beneficiaries will choose an Part D plan or an Advantage plan to ensure those costs are covered. 

How we can help

Remember, all Medicare plans offer standardized coverage. The main difference between the plans is the cost. This is why it’s important to have a Kansas licensed Medicare agent work with you to shop the best healthcare coverage for you. This service is offered at no cost to you. We want to ensure you get what you need out of your plan. 

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