Unfortunately, many residents living in Overland Park, Kansas, don’t have a Medicare Supplemental plan to adequately cover all their medical costs.

Of the 27,725 seniors living in Overland Park, only 15% have a Medicare Advantage plan, and only 46% have a Medicare Supplement plan.

Overland Park, Kansas Supplemental Medicare Plans

About 39% of senior citizens in Overland Park are either underinsured or uninsured and could benefit from the 35 Medicare Advantage plans available. We’ll be exploring different Medicare Advantage, and Medicare Supplemental plans in Kansas by using data based on females 70 years old or older.

Affordable Medicare Advantage Plans in Overland Park, Kansas

Blue is a Medicare Advantage plan in Kansas with a zero-dollar premium, a MOOP (maximum out-of-pocket) rate of $3,000, and a four-star rating. This plan is an HMO which differs from a PPO as it requires you to use in-network healthcare providers. It even offers coverage for gyms and online services.

Cigna is another HMO that’s widely popular due to its availability. Like the other plans on the chart below, this plan has a zero-dollar premium. It also has a MOOP rate of $4,900.

The final plan we’ll explore is Humana. Humana is a local PPO with a four-star rating and a MOOP rate of $4,500. It even includes fitness coverage.

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

Average Medicare Supplement Plans in Overland Park, Kansas

Patients use Overland Park, Kansas, Medicare Supplement plans to fill in the gaps not covered by their Original Medicare. The government standardizes these plans across the country, meaning their benefits don’t change from state to state. Their monthly premiums, however, do.

Plan F is a popular choice due to its comprehensive coverage. This plan has a premium range of $144.18 and $423.25, making it higher than other plans on this list. This price includes up to 80% coverage for foreign travel medical services.

There’s also Plan HDF which has far lower premiums of $40.00 and $63.87. However, this plan has the same benefits as Plan F, but with a higher deductible, meaning you pay more when you receive medical coverage. This plan is ideal for patients who don’t receive regular medical treatment.

Plan G has a premium range of $121.17 and $383.90. It also has a high deductible plan — Plan HDG. Its high deductible plan carries the same benefits but with lower premiums. Plan G includes nursing home coverage for those who need it.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $115.78 $478.63
PLAN B $147.30 $348.25
PLAN C $147.99 $421.00
PLAN D $133.78 $281.80
PLAN F $144.18 $423.25
PLAN HDF $40.00 $63.87
PLAN G $121.17 $383.90
PLAN HDG $40.00 $58.09
PLAN K $59.17 $136.37
PLAN L $74.50 $279.30
PLAN M $90.69 $317.95
PLAN N $91.31 $347.32

Cheapest Medicare Part D in Overland Park, Kansas

Only some Medicare Advantage plans cover prescription drugs, and no Medigap plans cover prescriptions. Many people also turn to Part D plans to fill in the gaps, but many different plans are available.

For a small co-pay paired with a respectable three-star rating, many patients choose Aetna. This plan has a $6.60 premium with a $480 deductible. It features $0 copays on Tier 1 prescription drugs.

Humana is a big name for Part D plans. This plan often allows you to buy generic prescriptions for four dollars or less and has a monthly premium of $22.70. The plan works with many different pharmacies to remain accessible to its members.

Most of the plans on our list have a monthly deductible of $480, but UnitedHealthCare is an exception with a monthly deductible of $310. This four-star rated plan has a monthly premium of $29.30. This plan works directly with Walgreens to keep costs low.

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 in Overland Park, Kansas

Special Needs Plans (SNP) is a subsection of Medicare Advantage plans for patients with special needs or specific disabilities. While these plans aren’t available in all areas, they can provide additional Overland Park, Kansas Medicare when they’re available.

WellCare is an HMO and has a MOOP rate of $3,450. It also has a zero-dollar premium. The plan even covers transportation to and from your appointments.

UnitedHealthcare has a monthly premium of $30.70 and a MOOP rate of $7,550 and is dual-eligible. Its dual eligibility may offer additional benefits like eye and hearing exams and dental care. It also offers the option of assembling a personal care team.

Some patients choose Kansas Health which has a monthly premium of $32.90 and a MOOP rate of $7,550. This plan is for patients that need treatment in an institution, like a nursing facility, for 90 days or more. While the plan being an HMO means you have to use in-network providers, there are certain exceptions.

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

Which Medicare supplement plan has the highest level of coverage in Overland Park, Kansas?

Every Medicare supplement plan comes with benefits. For the highest level of coverage in Overland Park, Kansas, however, Plan F is considered to have the most comprehensive coverage.

What is the difference between Plan F and Plan G in Overland Park, Kansas?

Plan F and Plan G work similarly, with many of the same benefits. However, there’s one key difference. This fundamental difference is that Plan F covers the Part B deductible, while you need to cover the Part B deductible under Plan G.

Does Medigap cover drugs in Overland Park, Kansas?

Any Medigap plans after 2006 don’t cover prescription drugs. Additionally, only some Medicare Advantage plans cover prescriptions meaning many patients use Part D plans.

Can I change my Medigap policy at any time in Overland Park, Kansas?

You can change your Medigap policy in Overland Park, Kansas. However, this process can be more complicated after six months of coverage and might require approval from your insurance provider.

What is the difference between Medicare Plan C and Plan G in Overland Park, Kansas?

Medicare Plan C and Plan G carry many of the same benefits and are great plans when you only have semi-frequent doctor visits. The only real difference between the two plans is the cost of the Part B deductible.

How to Sign Up for Supplemental Medicare in Overland Park

Several Supplemental Medicare plans are available in Overland Park, Kansas, to cover gaps in a patient’s healthcare. However, having our team ready to assist is your best bet, with many options available. Our service is free, and we work with all major carriers.

Call us today or fill out our online rate form to receive the best rates for supplementing your Overland Park, Kansas, Medicare!

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.