Nearly 940,000 Medicare beneficiaries live in Kentucky. Although Medicare provides excellent health care for some older Americans, it is often insufficient without additional coverage. In this article, we will explore the fundamentals of the Kentucky Medicare plans available to beneficiaries in the state.

Kentucky Medicare Facts & Figures

  • Around 612,000 beneficiaries in Kentucky hold Part A and B coverage.
  • Of these, nearly 480,000 aged into the program.
  • Over 200,000 beneficiaries in the state participate in Medicare Advantage.
  • In Kentucky, over 700,000 beneficiaries participate in Part D plans.

Medicare Costs in Kentucky for 2022

Part A covers emergency medical services such as hospital visits and life-saving treatment. Beneficiaries with a ten-year work history receive this coverage for free. Part B covers doctor visits and other routine medical care and costs a standard premium.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

There are around 600,000 beneficiaries enrolled in the Part A portion of Medicare in Kentucky. Part B covers a slightly smaller number, with approximately 550,000 enrolled residents. Of the state’s total beneficiaries, over 130,000 qualify due to disability, with the rest aging into the program upon reaching 65.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in Kentucky

In order to avoid high healthcare costs, it is vital to choose healthcare coverage wisely. A supplemental coverage plan can be an essential tool for Medicare beneficiaries to maximize their coverage.

Although Medicare provides adequate coverage for most medical conditions, many beneficiaries opt for a supplemental plan. Supplemental Medicare insurance provides additional benefits beyond what Parts A and B offer and is an integral part of coverage for many beneficiaries.

Some private insurance providers offer supplemental insurance or Medigap plans that provide benefits not available under Original Medicare. Also known as Medicare Part C, these plans are essential for protecting beneficiaries from high costs. However, Medicare Advantage plans can also be advantageous for beneficiaries with tighter budgets.

Another crucial supplemental plan is Part D, which covers prescription medication. Medicare does not cover the cost of these medications, but they are essential for treating many conditions and illnesses. Due to this, most beneficiaries across the country choose part D coverage as an element of their coverage.

Kentucky Medicare Resources

The Medicare system can be overwhelming, but the government offers several resources to help you enroll and adjust your coverage. An excellent place to start is the SHIP, or State Health Insurance Assistance Program. There is a different SHIP site for each state, so visit the Kentucky website to find out more.

As part of its efforts to assist Americans with health care, the United States government also offers Medicaid. Medicare and Medicaid are separate systems, but many beneficiaries combine both to expand their coverage. If you want to learn more about whether Medicaid is suitable for you, visiting the Kentucky Medicaid website is an excellent starting point.

The state insurance department is another resource to consider when dealing with health insurance. The Kentucky Department of Insurance is responsible for protecting consumers and upholding best practices in the state’s insurance industry. If you believe an insurance company has mistreated you, you should contact them immediately.

You can learn more about Medicare Supplements and Medigap plans at is a helpful resource for Medicare beneficiaries in Kentucky and across the United States. Our staff helps beneficiaries through the process of enrolling in Medicare in Kentucky and finds the perfect plan.

Cities in Kentucky with Medicare Supplement Coverage Estimated Premiums

The following charts have estimated premiums for Medicare Supplement coverage for some of the biggest cities in Kentucky:


What does it mean to have Original Medicare in Kentucky?

Original Medicare refers to Part A and B coverage. These two aspects of Medicare cover hospital visits and routine medical care but leave significant gaps in coverage. In order to cover expenses like medications, dental care, or vision services, beneficiaries must seek supplemental coverage.

What did original Medicare cover in Kentucky?

Original Medicare coverage is limited to Part A and B. Medicare Part A and B apply to specific types of healthcare and offer different types of coverage. For example, while Part A covers in-patient treatment like hospital stays, Part B covers services such as doctor visits and vaccinations.

Who is eligible for original Medicare in Kentucky?

To qualify for Medicare, a Kentucky resident must reach the age of 65, except in the case of specific qualifying disabilities. Citizenship or permanent legal residency is another requirement of the program. While no income cap exists for Medicare in Kentucky, low-income beneficiaries may qualify for assistance to reduce the costs of premiums and deductibles.

How do I qualify for dual Medicare and Medicaid in Kentucky?

Medicare and Medicaid are separate programs that provide services in different ways. While Medicare is a federal program in which the government provides healthcare to retirees, state governments offer Medicaid coverage to residents in need of financial assistance. It is possible to qualify for both programs, so Medicare beneficiaries should explore the requirements for Medicaid in Kentucky to find out if they can save money.

Is Medicare Part A free at age 65 in Kentucky?

Medicare Part A is free at age 65 to most beneficiaries in Kentucky, although some restrictions apply. Any Kentucky beneficiaries who currently receive retirement benefits from Social Security qualify for Part A coverage with zero premiums. Residents who do not qualify for free Part A coverage can still purchase the coverage for a reasonable fee.

How to Sign Up for Supplemental Medicare in Kentucky

Interacting with the Medicare system can be frustrating due to its complexity. Fortunately, the experts at can help simplify the process and make sure you have the right coverage for you. With our assistance, you will be able to identify the best plan and provider for your needs at no cost to you.

The cost of healthcare is a significant concern, and if your coverage is inadequate, you may wind up with high medical bills. Fortunately, is here to help beneficiaries struggling to choose a supplemental plan in Kentucky. Call us or fill out our web form to get rates for Kentucky Medicare plans today.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for She's been contributing to many well-known publications as an industry expert 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.