Medicare in Glasgow, Kentucky, covers most inpatient and outpatient expenses with Part A and Part B coverage. Patients can reduce their out-of-pocket costs with a Supplemental Medicare plan such as Medigap.
Supplemental Medicare Plans in Glasgow, Kentucky
By enrolling in supplemental Medicare in Kentucky, Glasgow patients can decrease most of 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.
Average Medicare Advantage Plans in Glasgow, KY
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 does not have any ratings. The plan features a zero-dollar premium and $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. It 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 $6,700 maximum out-of-pocket.
|PLAN||PREMIUM||MOOP||Plan Type||Star Rating|
|Anthem BCBS||$0||$6,700||LOCAL PPO||4|
Cheapest Medicare Supplement Plans in Glasgow, KY
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 it also offers a high level of coverage and security.
Another option, Medigap Plan HDG, is 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.
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Affordable Medicare Part D in Glasgow, KY
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. It offers telehealth visits as well as in-person ones.
Aetna offers a $6.80 premium and requires a $480 deductible. It receives 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 good performance and value. In addition, generic medications often cost only $1 to $4 with this plan.
|Clear Spring Health||$22.20||$480||2|
Medicare Special Needs Plans in Glasgow, KY
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 that 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 plan for those with chronic conditions like heart disease.
How do I register for Medicare in Glasgow, KY?
To register for Medicare in Glasgow, Kentucky, sign up online, via phone, or apply in person at the Department for Community Based Services (DCBS). Be sure you’re within the proper enrollment period.
How do I change my Medicare Advantage plan in Glasgow, KY?
To change your Medicare Advantage plan in Glasgow, KY, you’ll need to enroll in the new plan during an enrollment period. If you miss the annual enrollment plan or the enrollment period after you turn 65, you may be eligible for a Special Enrollment Period.
Do Medigap premiums increase with age in Glasgow, KY?
Some Medigap policies increase as you age. Glasgow patients with attained-age-rated Medigap plans will experience premium increases as they get older. Community-rated and no-age-rated policies charge the same premium regardless of age.
Are my Medigap premiums based on income in Glasgow, KY?
Medigap doesn’t cover base premiums on income in Glasgow. Instead, your final premium cost depends on your age, location, and other factors. Your Medigap provider may decrease your premium with discounts, or you can choose a high-deductible option to save more.
What are the different types of Medicare Advantage plans in Glasgow, KY?
The different types of Medicare Advantage plans in Glasgow, KY, include:
- Preferred Provider Organization (PPO) plans
- Health Maintenance Organization (HMO) plans
- HMO Point of Service (HMO-POS) plans
- Private Fee-for-Service (PFFS) plans
- Special Needs Plans (SNPs)
How to Sign Up for Supplemental Medicare in Glasgow
If you’re interested in signing up for Supplemental Medicare in Glasgow, Kentucky, we are 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 to get the optimal coverage for them.
Our agents have the time and knowledge to
So give us a call today. Or fill out our online rate form to be given the best rates in your area.