Medicare in Glasgow, Kentucky, covers most inpatient and outpatient expenses with Part A and Part B coverage. Patients can reduce out-of-pocket costs with a Supplemental Medicare plan such as Medigap.
Medicare plans in Glasgow, Kentucky
By enrolling in supplemental Medicare in Kentucky, Glasgow patients can decrease their medical expenses to a monthly premium and a yearly deductible.
In this article, we detail supplemental Medicare plans and answer common questions. The following quotes are for a male who’s 65 years old and living in Glasgow.
Medicare Advantage plans
Medicare Advantage plans in Glasgow, KY, help thousands of beneficiaries save on medical bills. In Barren County, Glasgow, patients have 25 Kentucky Part C plan options. Top carriers include Anthem BCBS, Humana, and UnitedHealthcare.
Humana (Local PPO) offers the most affordable option but has no ratings. The plan features a zero-dollar premium and a $4,200 maximum out-of-pocket. Its well-known name makes it a trustworthy choice nationwide.
Patients choose UnitedHealthcare (HMO) for its zero-dollar premium and $4,900 MOOP, which boasts the highest star rating possible of five stars. Coverage applies to prescriptions, vision, dental treatments, and more.
Another suitable option for many Glasgow patients is a plan from Anthem Blue Cross Blue Shield (Local PPO). This plan features a four-star rating as patients get many extra benefits, such as free transportation to medical appointments. It offers a zero-dollar premium and a $6,700 maximum out-of-pocket.
The average cost of Medicare Advantage plans in Glasgow, Kentucky
|PLAN||PREMIUM||MOOP||Plan Type||Star Rating|
|Anthem BCBS||$0||$6,700||LOCAL PPO||4|
Medicare Supplement plans
Medigap plans are more affordable insurance policies that handle expenses Original Medicare in Kentucky doesn’t cover. People with Medigap have the same benefits no matter their state, and monthly rates vary per person. Those looking for affordable Medicare in Glasgow, Kentucky, can choose between 12 plans.
Medigap Plan F is the most popular option as it covers deductibles, coinsurance, and excess charges and has no out-of-pocket limit. Patients pay between $128.63 and $510.12. As you would expect, Plan F is a high-priced plan but offers high coverage and security.
Another option, Medigap Plan HDG is another option, the high-deductible version of Plan G, offering a higher deductible for lower premiums. Patients could pay anywhere from $36 to $77.12. All costs you pay for your share of Part A and B go toward the high deductible.
Medigap Plan HDF is the high-deductible option for patients who want Plan F. The plan features the lowest premium of $36, while the highest possible premium is $73.21. However, this plan is discontinued in many places, so it may not be available in your area.
The average cost of Medicare Supplement plans in Glasgow, Kentucky
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Medicare Part D prescription drug plans
Medigap doesn’t cover prescriptions, while Medicare Advantage only covers some; Kentucky Medicare Part D is a standalone plan for outpatient drugs. You can get anticonvulsant medication, antidepressants, and more at little to no cost.
Kentucky patients choose Wellcare for its $12.90 premium, $480 deductible, and three-star rating. They are ideal for those needing Extra Help and offer telehealth and in-person visits.
Aetna offers a $6.80 premium and requires a $480 deductible and a three-star rating. Aetna beneficiaries can enroll in Part D coverage through the Silver Script program.
Patients also consider Humana, with a $22.70 premium and $480 deductible. Its four-star rating indicates sound performance and value. In addition, generic medications often cost only $1 to $4 with this plan.
The average cost of Medicare Part D plans in Glasgow, Kentucky
|Clear Spring Health||$22.20||$480||2|
Special Needs plans
Medicare in Glasgow, Kentucky, also includes Special Needs Plans (SNPs). These plans cover services suitable for disabled or special needs patients. They’re only available in certain areas.
Wellcare (HMO) offers a plan with a zero-dollar premium and up to $3,450 MOOP. Patients must meet Medicare and Medicaid eligibility requirements. This plan also helps pay for things like first aid supplies and vitamins.
Aetna (HMO) features a zero-dollar premium and $7,550 out-of-pocket. It also requires dual eligibility. This means you must be eligible for both Medicare and Medicare to get this coverage.
Kentuckians choose Humana (HMO) for its zero-dollar premium and $3,450 maximum out-of-pocket costs. You must have dual eligibility to get this plan. It offers a program for those with chronic conditions like heart disease.
The average cost of Medicare Special Needs plans in Glasgow, Kentucky
How to sign up for Medicare plans in Glasgow
If you want to sign up for Supplemental Medicare in Glasgow, Kentucky, we’re here to help! Whether it’s a Medigap, Medicare Advantage, or Part D prescription drugs plan, our licensed insurance agents are experts who enjoy assisting people in getting the optimal coverage for them.
So give us a call today. Or fill out our online rate form to be given the best rates in your area.