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Kentucky Medicare Plans

There are a lot of options for residents in Kentucky who are ready to enroll in Medicare. Many beneficiaries also choose to enroll in a Supplement or Advantage plan to help off-set the out-of-pocket expenses that Original Medicare can leave behind. Listed below you’ll find all the different types of Supplements. 

Kentucky Medicare plans open enrollment

Initial enrollment for Medicare beneficiaries begins the three months leading up to your 65th birthday and continues for the three months following that birthday. At this time it is best to enroll in a Medicare Supplement as you cannot be declined because of your health conditions. 

While you can enroll in a Supplement at any time during the year, outside the open enrollment period will require you to answer a health screening and you could be denied coverage. 

Medigap Plans

A Medicare Supplement is a great way to help cover costs of deductibles and coinsurance that are not covered by Original Medicare. 

Original Medicare generally covers 80% of your our-of-pocket costs and a Supplement can cover some of those costs and put a cap on the out-of-pocket expenses. This could save some beneficiaries thousands. 

Another benefit of a Supplement is the ability to see any doctor that accepts Medicare. 

In Kentucky there are 10 plans. These plans are lettered A-N. Similarly lettered plans all have similar coverage. The only difference becomes the price. This is why it’s important to shop which company and plan you need in order to obtain the best coverage within your budget. A Medicare agent can assist you with this task. 

If you were enrolled in Medigap plans C or F prior to 2019, you are able to remain enrolled in those plans. New beneficiaries will not be able to enroll in those plans. 

Medicare Advantage Plans

Advantage plans or Part C plans are private insurance plans that offer the same benefits of Original Medicare. There are up to 26 Advantage plans in Kentucky, depending on the county you live in. These Part C/Advantage Plans also have additional benefits; dental care, vision, and prescription drug coverage. 

Medicare Part D

Many Medicare beneficiaries need additional prescription drug coverage and Original Medicare and Supplements don’t include coverage for prescriptions. Many people will choose to enroll in a Part D plan to cover some of the out-of-pocket costs that can come from the pharmacy. If you need prescription drug coverage, you’ll want to enroll in a Part D plan or an Advantage Plan to help cover those costs. 

How we can help

We have agents licensed in Kentucky ready to assist you with the enrollment process today. We can help you compare plans and shop coverage. We want to help you find the best healthcare plan to fit your needs. This service is free and no cost to you. Please let us assist you with this daunting task. 

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