Bowling Green, Kentucky, is home to many Medicare beneficiaries. Medicare offers effective health care to older Americans but is often insufficient without supplemental coverage. We will examine the options available to beneficiaries seeking Bowling Green, Kentucky, Supplemental Medicare plans.
Bowling Green, Kentucky Supplemental Medicare plans
Most Medicare beneficiaries should consider Kentucky Supplemental plans since they have a variety of benefits. In Bowling Green, Medicare supplements and Medicare Advantage plans can provide crucial benefits to your health coverage.
The following prices apply to a 65-year-old female, but they should give you a solid basis of what to expect.
Average Medicare Advantage plans in Bowling Green, KY
Medicare beneficiaries in Bowling Green have found it beneficial to enroll in Medicare Advantage plans, with high enrollment in these plans in the area. Bowling Green, KY, located in Warren County, has 26 Kentucky Part C plans, slightly fewer than the national average.
Humana (Local PPO) has a four-star rating and a zero-dollar monthly premium. In addition, Humana offers a reasonably priced Medigap plan with a maximum out-of-pocket (MOOP) of 4,200 dollars, making it a reliable option for beneficiaries seeking an affordable Medigap plan. Some programs even offer rebates on the Part B premium.
An HMO-POS that offers zero-dollar monthly premiums, Aetna is another excellent option. At $5,300, Aetna provides a highly competitive MOOP. Aetna still has a three-star rating and allows members to keep costs low without compromising on the quality of service.
Bowling Green beneficiaries have another solid option in Anthem BCBS (Local PPO). Anthem offers many advantages to users who prefer PPO coverage with its four-star rating and zero-dollar monthly premium. Despite this, it’s essential to remember that the MOOP of $6,700 is higher than other options.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Anthem BCBS | $0 | $6,700 | LOCAL PPO | 4 |
| Wellcare | $0 | $5,500 | LOCAL PPO | N/A |
| Humana | $0 | $4,200 | LOCAL PPO | 4 |
| Aetna | $0 | $5,300 | HMO-POS | 3 |
| Anthem BCBS | $0 | $5,500 | LOCAL PPO | 4 |
Cheapest Medicare Supplement plans in Bowling Green, KY
Bowling Green, Kentucky, Supplemental Medicare plans provide beneficiaries with increased coverage. By taking advantage of these plans, patients can receive coverage for expenses they may otherwise be responsible for paying. Because the government standardizes these plans, benefits are guaranteed, while premiums vary by region.
Medicare Supplement Plan F, which has premiums ranging from $128 to 510, is a popular choice for Medicare beneficiaries in the area. It also covers all Medicare costs for eligible beneficiaries, so it deserves consideration. In addition, Medicare covers excess charges under Plan F.
Medigap Plan N allows beneficiaries to reduce deductibles while not paying excessive premiums. These plans have premiums that range from $86-350. Plan N provides a solid balance between cost and coverage that can be an excellent fit for many Medicare beneficiaries in Kentucky.
Beneficiaries often choose Medigap Plan G as well. Plans F and G provide similar coverage; however, Plan F does not cover part-B deductibles. Compared with Plan F, these plans have lower premiums, ranging between $116 and $406.
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $75.77 | $372.58 |
| PLAN B | $134.94 | $334.75 |
| PLAN C | $168.03 | $416.12 |
| PLAN D | $124.08 | $253.00 |
| PLAN F | $128.63 | $510.12 |
| PLAN HDF | $36.00 | $73.21 |
| PLAN G | $116.28 | $406.08 |
| PLAN HDG | $36.00 | $77.12 |
| PLAN K | $52.74 | $143.31 |
| PLAN L | $73.67 | $257.50 |
| PLAN M | $136.78 | $290.45 |
| PLAN N | $86.12 | $350.73 |
Affordable Medicare Part D prescription drug plans
Medicare beneficiaries can get prescription drug coverage in Kentucky through Part D plans. For example, if you choose a Medigap plan, you will need a Part D plan since most Medigap plans don’t cover medications.
Aetna’s monthly premium for a plan is $6.80, and the deductible is $480. If your income is over a certain amount, there may be extra charges. You also have to pay out-of-pocket costs.
Part D plans from Humana have a 4-star rating, deductibles of $480, and premiums of $22.70. In addition, generic medications often cost only $1 to $4 with this plan. These are popular in Bowling Green.
The third option in Bowling Green is Clear Spring Health, which charges $22.22. It has a deductible of $480 and a two-star rating. It covers over-the-counter costs as well.
Medicare Special Needs Plans
Patients requiring special care may qualify for a Special Needs Plan as a Medicare Supplement. Considering these plans is worthwhile if you or a loved one have special medical needs or disabilities.
Humana offers SNPs with a MOOP of $4,400 to patients with chronic or debilitating conditions. It has a plan for those with chronic diseases such as diabetes. This plan covers dental, vision, hearing, and nonemergency transport.
Aetna’s program offers a MOOP of $7,550 and is another compelling option for beneficiaries looking for dual eligibility. It provides coverage for eyeglasses and hearing aids. As well, each member is assigned a personal care team.
Wellcare offers a MOOP of $7,500. The deductible is $480, and it has a 3-star rating. It helps cover devices like eyeglasses and hearing aids.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.80 | $480 | 3 |
| Wellcare | $12.90 | $480 | 3 |
| Clear Spring Health | $22.20 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| Wellcare | $27.30 | $480 | 3 |
FAQs
How do I apply for Medicare in Bowling Green?
Enrolling in Kentucky Original Medicare is an automatic process for Social Security recipients. Once you reach the age of 65, the state will automatically enroll you in Medicare.
If you don’t receive Social Security benefits, please contact the Social Security Administration by calling 1-800-772-1213 or visiting the SSA website.
How much does Medicare take from Social Security in Bowling Green, KY?
If you receive Social Security and enroll in Medicare, the government will deduct your coverage costs from the benefits you receive each month.
The amount they will deduct depends on several factors, including age and the beneficiary’s supplemental options.
What do Medicare Part F plans include in Bowling Green, KY?
Medicare Plan F provides comprehensive coverage for nearly all aspects of a Medicare beneficiary’s care. These plans even extend to Part B deductibles, so they are a compelling option for local beneficiaries despite the higher cost.
What is the Kentucky state cap on income for Medicare?
In Kentucky, the income cap for Medicare depends on the coverage you want. Qualified Medicare beneficiaries must make below $1,063 per month, while the Specified Low-Income Medicare Beneficiary program offers a slightly higher cap of $1,276.
What does Medicare Part D cover in Bowling Green, KY?
Part D of Medicare provides coverage for prescription medication costs that the Original Medicare plan does not typically cover. Part D is essential for anyone with a Medigap plan since the supplemental coverage provided by these plans does not extend to this portion of coverage.
How to sign up for Supplemental Medicare plans in Bowling Green
Bowling Green residents can rely on us for help in choosing a Supplemental Medicare plan that meets their needs.
Our licensed insurance agents have the expertise and resources to make the process easy for you. Call us today or fill out our online rate form so you can get started immediately!
