Medicare for Olathe, Kansas, residents 65 years old or older help pay for medical services. People under 65 receiving Social Security disability for at least 24 months or with qualifying chronic conditions are also eligible for Medicare benefits.
However, many Olathe, Kansas Medicare beneficiaries purchase Supplemental Medicare plans to pay for expenses Original Medicare doesn’t cover.
Olathe, Kansas Medicare plans
Supplemental Medicare plans in Kansas help fill the gaps within Original Medicare, making specific medical expenses more affordable. Enrolling in a Medicare Advantage or Medigap plan allows beneficiaries to supplement their Part A and Part B coverage.
The quotes below are based on an average 65-year-old male beneficiary.
Cheapest Medicare Advantage plans in Olathe, Kansas
Residents can choose among 43 different Olathe, Kansas Medicare Advantage plans. These plans provide numerous benefits not included in Original Medicare. Below are a few popular Olathe, Kansas Medicare Advantage plans.
Blue offers a four-star HMO (Health Maintenance Organization) Medicare Advantage plan with a zero-dollar premium and a $3,000 MOOP (Maximum Out-of-Pocket). This is one of the most affordable plans in Olathe, Kansas.
Wellcare provides a Local PPO (Preferred Provider Organization) plan with a zero-dollar premium and a $4,400 MOOP. Although these plans don’t have a star rating, they are exceedingly popular among Olathe residents.
Humana offers a four-star local PPO Medicare Advantage plan without premiums and a $4,500 MOOP.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Blue | $0 | $3,000 | HMO | 4 |
| Wellcare | $0 | $4,400 | LOCAL PPO | N/A |
| Cigna | $0 | $4,900 | HMO | 3 |
| Aetna | $0 | $4,800 | LOCAL PPO | 4 |
| Humana | $0 | $4,500 | LOCAL PPO | 4 |
Affordable Medicare Supplement plans in Olathe, Kansas
The government standardized Medigap plans to prevent coverage from changing with different carriers, states, and ZIP codes. However, the monthly premiums often vary depending on the region, state, and private insurance provider.
Medigap Plan F is exceedingly popular among Olathe residents since it’s one of the most comprehensive plans available. The plan’s premiums range from $146.90 to $423.25 per month.
Medigap Plan HDF, better known as High-Deductible Plan F, provides the same benefits as Medigap Plan F but requires enrollees to pay a higher annual deductible. Monthly premiums cost between $34 and $58.59.
Medigap Plan N is another comprehensive plan with monthly premiums ranging from $96.96 to $347.32.
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $113.32 | $435.28 |
| PLAN B | $148.27 | $348.25 |
| PLAN C | $157.72 | $421.00 |
| PLAN D | $135.42 | $282.18 |
| PLAN F | $146.90 | $423.25 |
| PLAN HDF | $34.00 | $58.59 |
| PLAN G | $125.44 | $383.90 |
| PLAN HDG | $34.00 | $53.28 |
| PLAN K | $62.57 | $136.37 |
| PLAN L | $80.83 | $258.89 |
| PLAN M | $94.35 | $284.95 |
| PLAN N | $96.96 | $347.32 |
Average Medicare Part D prescription drug plans
Medigap plans don’t pay for prescription drug costs in Kansas, and only a few Medicare Advantage plans cover medications. As a result, many Olathe residents purchase an independent Medicare Part D plan through a private insurance provider to make prescriptions more affordable.
Aetna offers a three-star Olathe, Kansas Medicare Part D plan with a $6.60 premium and a $480 annual deductible, making it the most affordable option.
Clear Spring provides a two-star Medicare Part D plan with a $16.70 monthly premium and a $480 deductible.
UnitedHealthcare’s Medicare Part D plan enjoys a four-star rating and carries a $29.30 premium and a $310 annual deductible.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.60 | $480 | 3 |
| Wellcare | $12.60 | $480 | 3 |
| Clear Spring | $16.70 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| UnitedHealthcare | $29.30 | $310 | 4 |
Medicare Special Needs plans
Special Needs Plans, also known as SNPs, are a subclass of Medicare Advantage plans designed for Olathe residents with chronic disabilities and special needs. Unfortunately, Special Needs Plans are only available in specific ZIP codes.
Wellcare offers an HMO Special Needs Plan with a zero-dollar premium and a $3,450 MOOP. Enrollees must have Medicare and Medicaid to qualify.
Kansas Health also provides an HMO SNP with a $32.90 monthly premium and a $7,550 MOOP. However, beneficiaries must have an institutional condition to qualify.
UnitedHealthcare offers an HMO-POS (Health Maintenance Organization with Point-of-Service) Special Needs Plan with a $30.70 premium and a $7,550 MOOP. These plans require beneficiaries to have Medicare and Medicaid to qualify for enrollment.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,450 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
| Humana | $0 | $3,450 | HMO | Chronic/Disabling |
| UnitedHealthcare | $30.70 | $7,550 | HMOPOS | Dual |
| Kansas Health | $32.90 | $7,550 | HMO | Institutional |
FAQs
Do Medigap premiums increase with age in Olathe, Kansas?
Yes, Medigap premiums tend to increase as you get older. For example, a 65-year-old beneficiary with Plan F coverage pays around $184.93 monthly, while an 85-year-old enrollee spends about $299.29 monthly. Remember when shopping for a Medigap plan in Olathe, KS.
How do I change my Medicare Supplemental plan in Olathe, Kansas?
You can change your Olathe, Kansas Supplemental Medicare plan by contacting the provider and completing their application form. If the private insurance provider accepts your application, you must contact your current plan carrier and cancel the policy.
It’s important to note that insurance agencies can’t cancel Supplemental Medicare plans. The beneficiary must contact their carrier and complete its cancellation form or follow their annulment instructions.
Is Medigap the same as Medicare Supplement in Olathe, KS?
Yes, Medigap is another type of Supplemental Medicare plan that helps beneficiaries lower their healthcare costs while receiving additional benefits. Other types of Supplemental Medicare plans include Medicare Advantage.
Is Medigap better than an Advantage plan in Olathe, Kansas?
Determining whether a Medigap or Medicare Advantage plan is better depends on your insurance needs and budget. It’s best to research both plan types to find which option works best for you.
What Is the least expensive Medicare Supplement plans in Olathe, Kansas?
Olathe, Kansas Medicare Supplement Plan K is the cheapest currently available, but its coverage isn’t as robust as other options.
For example, Medicare Supplement Plan N provides extensive coverage at an affordable price. Try researching each plan and its rates to find the best plan within your financial means.
How to sign up for Medicare plans in Olathe
If you are looking for a supplemental Medicare plan in Olathe, Kansas, we can help.
Our agents have over a decade of experience working with the leading private insurance providers in the area and can connect you with a high-quality carrier free of charge.
Call us today or complete our online rate form to connect with the best current rates in your area.
