There are 82,818 beneficiaries with either Part A or Part B of Medicare in Topeka, Kansas. The total Medicare Advantage plan participation rate for Topeka residents is 13.88%.

Medicare plans in Topeka, Kansas

Unfortunately, sometimes Original Medicare doesn’t cover everything that its beneficiaries need. Many residents choose to participate in Medicare Advantage or Medigap Supplemental plans to solve this issue. We’ll explore different options based on males 70 years or older.

Medicare Advantage plans

71,326 residents participate in a standard Medicare plan compared to 11,492 participating in a Medicare Advantage plan. In Topeka, Kansas, there are 24 Medicare Advantage plans available.

Aetna is an HMO with a MOOP (maximum out-of-pocket) rate of $5,900. This plan has a four-star rating. The program comes with a $0 premium.

Many residents also choose UnitedHealthcare® for its widespread availability. This plan has a four-star rating and a MOOP rate of $4,400. It includes the option of a personal care team.

The final MA plan we’ll look at is WellCare. This plan has a MOOP rate of $5,000, a three-star rating, and a zero-dollar premium. This plan is also an HMO.

The average cost of Medicare Advantage plans in Topeka, Kansas

PLAN PREMIUM MOOP Plan Type Star Rating
Aetna $0 $5,900 HMO 4
Humana $0 $5,900 LOCAL PPO 3
UnitedHealthcare® $0 $4,400 LOCAL PPO 4
BCBS of Kansas $0 $4,000 LOCAL PPO 3
Wellcare $0 $5,000 HMO 3

Medicare Supplement plans

Medigap plans fill in gaps left by Medicare in Topeka, Kansas. The government standardizes these plans across the country, meaning their benefits don’t change. Their monthly premiums, however, do vary with each state.

Plan F has a premium range of $153.88 to $458.12. While Plan F is more expensive than most plans, it also has the most comprehensive coverage making it a frontrunner for many people. Those high premiums do come with many benefits.

Plan HDF has a premium range of $46.00 to $70.96. This plan has the same benefits as Plan F but a much lower premium range. However, you’ll need to pay a higher deductible for coverage. While you have to meet a higher deductible with this plan, you’ll have comprehensive coverage once you meet it.

Plan C is another plan many choose, almost identical to Plan F in coverage. However, the key difference is its Part B deductible. Its premium range is $167.23 to $421.00.

The average cost of Medicare Supplement plans in Topeka, Kansas

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $127.36 $531.79
PLAN B $155.07 $379.41
PLAN C $167.23 $421.00
PLAN D $139.67 $315.00
PLAN F $153.88 $458.12
PLAN HDF $46.00 $70.96
PLAN G $128.30 $383.90
PLAN HDG $43.90 $82.31
PLAN K $65.17 $148.00
PLAN L $82.00 $310.34
PLAN M $102.48 $353.28
PLAN N $99.38 $347.32

Medicare Part D prescription drug plans

Medigap plans don’t cover prescriptions; only some Medicare Advantage plans cover medications. Many residents also participate in stand-alone Part D plans for covering their drugs to solve this issue.

Humana is a four-star rated plan with a premium of $22.70 and a deductible of $480. This plan often lets you buy generic prescriptions for four dollars or less. The program works with many different pharmacies to remain accessible to its members.

Aetna has a three-star rating, a monthly premium of $6.60, and a deductible of $480. Patients like this plan due to its small copay. It features $0 copays on Tier 1 prescription drugs.

UnitedHealthcare® has a monthly premium of $29.30. While its premium is the highest on the list, it also has a much lower deductible of $310. It features $0 copays on Tier 1 prescription drugs.

The average cost of Medicare Part D plans in Topeka, Kansas

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

Special Needs plans

Residents that have chronic disabilities or special needs might be able to receive Special Needs Plans (SNPs). SNPs aren’t available in all regions, but they help provide additional support to people with special needs.

WellCare is an HMO plan with dual eligibility, which may cover dental, eye, and hearing. It also has a zero-dollar premium and a MOOP rate of $3,450. The plan even covers transportation to and from your appointments.

Aetna is another dual-eligible plan that’s also an HMO. It has a MOOP rate of $7,550 and a zero-dollar premium. The program even allows you to assemble a personal care team.

The final plan we’ll look at is Kansas Health which is available for patients that need institutional assistance for 90 days or more. This plan has a MOOP rate of $7,550 with a monthly premium of $32.90. While the plan being an HMO means you have to use in-network providers, there are certain exceptions.

The average cost of Medicare Special Needs plans in Topeka, Kansas

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 HMO Dual
Aetna $0 $7,550 HMO Dual
UnitedHealthcare® $30.70 $7,550 HMO-POS Dual
Kansas Health $32.90 $7,550 HMO Institutional
Wellcare $0 $3,450 HMO Dual

How to sign up for Medicare plans in Topeka

Unfortunately, Original Medicare doesn’t always cover a person’s medical needs. As a result, many people opt to sign up for a Medicare Advantage (Part C) plan or a Medigap plan to resolve this problem. However, many plans are available, making it hard to choose the right one.

Our team of licensed insurance agents will help pair you with the right plan. We work with all major carriers, and our services are completely free.

Call us today or fill out our online rate form to connect with rates and discover the best supplement for your Topeka, 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.