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%.

Topeka, Kansas Supplemental Medicare Plans

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.

Average Medicare Advantage Plans in Topeka, Kansas

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 plan 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.

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

Cheapest Medicare Supplement Plans in Topeka, Kansas

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.

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

Affordable Medicare Part D in Topeka, Kansas

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 that has a premium of $22.70 and a deductible of $480. This plan often lets you buy generic prescriptions for four dollars or less. The plan 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 co-pay. 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.

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 Topeka, Kansas

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 plan 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.

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

FAQs

What are the Medicare Supplement plans available in Topeka, Kansas?

There are many different Medicare Supplement plans available in Topeka, Kansas. Various plans include Medicare Advantage plans, Medigap plans, Special Needs Plans, and Part D Plans. In addition, other providers offer different coverage, deductibles, and monthly premiums.

When can I apply for Medigap in Topeka, Kansas?

Technically, you can sign up for Medigap anytime (as long as you’re eligible). However, it’s best to sign up for Medigap when you turn 65 or are eligible.

Can Medigap charge more for pre-existing conditions in Topeka, Kansas?

Medigap isn’t allowed to charge more or deny coverage for a pre-existing condition, provided you’re within the open enrollment period. However, it might deny coverage if you’re under 65 years. Additionally, you may need to wait at least six months before coverage kicks in.

Do Medigap plans have a maximum out-of-pocket in Topeka, Kansas?

Medigap plans don’t have a maximum out-of-pocket (MOOP) rate in Topeka, Kansas. This is because their coverage is good enough to where it’s necessary. Of course, one drawback of Medigap plans is that you have to pay higher monthly premiums, but you have more comprehensive coverage.

Can you switch from Medicare Advantage to Medigap in Topeka?

A person cannot enroll in both a Medicare Advantage and Medigap plan. Luckily, a person can switch between each plan. However, they generally need to do so within three months of eligibility for Medicare or during special enrollment periods.

How to Sign Up for Supplemental Medicare in Topeka

Unfortunately, Original Medicare doesn’t always cover a person’s entire 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.