Medicare supplement insurance policies – typically called “Medigap” policies – fill the coverage gaps that Medicare Parts A & B will not pay for. Such type of coverage is extremely important, yet frequently gets disregarded by seniors. Without it, you could end up with thousands of dollars in medical expenses which you will have to pay out of pocket. For the majority of Medigap plans, the only qualification to get one is that you first be enrolled in Medicare Parts A & B.

Federal Regulations for Medicare Supplements

The CMS (Centers for Medicare and Medicaid Services) is the governmental body in charge of governing the 10 Medigap plans that are available today for purchase. Since the plans are regulated, you can be sure that Plan F insurance coverage in Kansas is equivalent to whatever you may find in any other state. All you have to concern yourself with is selecting the right company, and discovering an affordable premium.

Medigap Enrollment In Kansas

Choosing a Medigap plan is an option which almost 200,000 Kansas seniors have opted in favor of. The vast majority of them, like seniors in many other states, favor Plan F above all the other 9 options. Plans C, G and N are also fairly popular options.

Plan Type A B C D E F G H I J K L M N
Enrollment 1,656 765 19,776 2,395 1,044 155,697 3,904 122 866 4,291 731 1,625 8 4,286

Plan Coverage & Cost

Health insurance – and the overall cost for it – are customized to you, the individual. Your weight, exercise habits, gender, age, and particular location will all influence the monthly payments you pay for a Medicare supplement policy.

It’s rarely easy to estimate how much your monthly premium may cost you. Obviously, there are certain things which will help lower your rate, such as being relatively young and in good health. Hopefully you don’t still indulge in unhealthy habits like smoking. On top of all that, your zip code will also make a significant impact on how much you end up paying each month for your supplemental insurance policy. Just take a look at some popular quotes in your area:

Most Popular Medicare Supplement Plans in Kansas

Kansas, like a number of other states in the nation, has more golden-agers participating in Medigap plan F than any other obtainable plan, making F the most popular hands down. It isn’t tough to understand; Plan F covers every one of the gaps which Medicare won’t for one solitary, basic, and relatively cost-effective monthly premium.

Plan C is a distant runner up for Kansas seniors. The only difference between Plan C and Plan F is the “Part B Excess Charges” benefit, which Medigap Plan C does not provide. So if you are more concerned with hospital bills and less concerned about doctor costs, Plan C might be a more affordable option for you.

How do Medicare Plan Ratings Work?

Just like many popular ratings systems out there, we refer to a five-star scale that rates companies from worst to best – the best receiving a maximum of 5 stars. It evaluates things like customer service and client satisfaction, especially with regard to the way they manage your care and handle your claims. It also gives higher ratings to companies with a strong financial rating so that you know they’ll be with you for the long haul.

Helpful Medigap Tips & Tricks

Doctor/Provider Network Restrictions

Medicare supplement isn’t your only choice for supplementing your Medicare coverage gaps – but it’s the most adaptable one. A number of other forms of supplemental coverage, Medicare Advantage for example, limit which physicians you can go to and which facilities you may get proper care from. Going beyond these pre-approved networks will not be free, and the approval process can be overwhelming. Medigap, alternatively, will allow you to go to whichever physician or visit any facility which will accept Medicare.

Doctors List

Medicare Supplement (Medigap) insurance policies are much more likely to be accepted at your doctor or facility of choice. Nearly every healthcare provider who accepts Medicare assignment will accept a Medigap insurance plan. Medicare assignment is more convenient for patients like you because it means your doctor or facility will not only agree to certain pricing terms, but they will also file your claim for you. You will still be responsible for any co-payments, co-insurance costs, and potential deductibles. Search for doctors here.

Drug, Vision and Dental Coverage

Unfortunately, neither dental nor vision care is covered by Medicare or Medigap. Until the laws change, you will need to obtain vision & dental coverage from a private company on your own, or pay out of pocket. Prescription drugs, however, are a different story. Medicare supplement plans used to offer prescription drug coverage right up until Medicare Part D came along. Now that Part D is giving that service for seniors, it is no longer required for Medigap plans to provide such benefits.

Enrollment Options & Best Time To Enroll

Before you enroll in a Medigap policy, you should first be signed up for Medicare Parts A & B. Only then can you start the Medicare supplemental insurance enrollment process. The sooner you enroll, the less complicated the process is going to be. But in the event you put it off, you might have to answer personal questions regarding your state of health to be considered qualified to receive coverage.

  • Initial Enrollment Period: Once you register for Original Medicare, you’ve got 6 months to likewise become a member of a Medigap policy in order to qualify for the initial enrollment period. Signing up during the IEP assures automatic acceptance and coverage.
  • Guaranteed Issue: In case you are dropping your employer or group plan, Guarantee Issue enrollment can get you covered by a Medicare supplement policy irrespective of your health status.
  • Annual Enrollment Period (AEP): You are able to register for or switch your Medicare supplement plan anytime; however, this is the preferred window for many forms of insurance.
  • Underwritten: The process by which a company asks you questions and perhaps runs medical tests in order to determine whether or not they might supply you with coverage.

Free Look Period

In order to make the purchasing experience easy and hassle-free, all older persons have 30 days after buying a new Medigap plan to decide if they would like to keep it. In case you determine inside of those 30 days that you aren’t happy with your plan, you may get rid of your policy for a complete refund.

What Medigap Plan Is Best For Me?

Finding the right Medigap plan for you is a two-pronged process. First, you have to make sure you find the right Medicare Supplement insurance company to underwrite your policy. It’s important to keep in mind not just their customer service reputation, but also their financial fortitude.

Once you find the right company, you can get to work picking the right plan. There are 10 plans in total that you can choose from. Some will cover more than others, so make sure to take an honest and thorough inventory of your health care needs before you decide. Purchasing too little coverage and choosing the wrong plan could end up costing you thousands of dollars in out-of-pocket costs in the years to come. But you shouldn’t force yourself to purchase too much coverage unless you believe it is legitimately necessary. Choosing the right plan is a very important decision that you should not take lightly.

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.