Medigap” is a form of Medicare supplement insurance policy designed to fill in the coverage gaps connected with Original Medicare Parts A & B. While Medicare endeavors to be comprehensive, there are many healthcare essentials which it does not cover. And if you don’t have any Medigap insurance to pay for those essentials, you might wind up paying thousands in out-of-pocket hospital costs. To be able to purchase Medigap insurance, you will need to first be enrolled in Original Medicare (including a Medicare Supplement in Kentucky).

Federal Regulations for Medicare Supplements

The CMS (Centers for Medicare and Medicaid Services) is the government body responsible for controlling the 10 Medigap plans that are on the market for sale. Because the plans are regulated, there is no doubt that Plan F insurance policy coverage in Kentucky is equivalent to what will be offered in any other state. All you have to concern yourself with is choosing the ideal company, and discovering a reasonable premium.

Medigap Enrollment In Kentucky

Of the available 10 plans in the chart below (and the four discontinued options as of 2010), Plan F is the most popular option among Kentucky seniors. Plan C is also a fairly common choice, with Plan G and Plan B also drawing some seniors in those alternative directions.

Plan Type A B C D E F G H I J K L M N
Enrollment 1,811 7,966 25,349 2,200 5,745 94,281 11,593 3,200 1,250 4,925 452 1,214 7 7,630

Plan Coverage & Cost

The cost to you for a Medigap policy depends on several unique components. Your state of health is a huge factor, and your fee can change according to things such as your tobacco habits, your age, and gender. Your price will also be based on where you live, right down to your county and postal code.

The cost of your Kentucky Medicare Supplement plan will be based on a number of underwriting factors. Those items can include your general overall health, your health history, your use of tobacco products, your gender and age. In addition, because of the different healthcare costs in different geographical areas of Kentucky, where you live, right down to the zip code, will play a role in determining the cost as well. To help you plan, we have included a chart that shows what other people near you are paying for their plans.

Most Popular Medicare Supplement Plans in Kentucky

Why is Plan F the most popular by such a large margin? Well, the answer to that question is simple. Medigap Plan F covers every single gap which Medicare Parts A and B does not. Furthermore, it provides this service with one relatively affordable monthly payment.

However, your personal medical needs may leave more affordable options available to you. For instance, Plan C might be cheaper if you live in an area where Medicare doesn’t usually charge excess fees for procedures which fall under Medicare Part B. And if your Part B deductible is fairly low, you could potentially save money with Plan N.

How do Medicare Plan Ratings Work?

Each year, Medicare releases a Star Rating Report that evaluates all of the Medicare companies operating in Kentucky. The report gives consumers a means to compare companies in the five categories that Medicare rates. Those areas are how well a company uses tests, scans, vaccinations and other preventive techniques to keep members healthy, how well they manage chronic disease, how members rate their experience with the company, complaints and customer service. It’s not a perfect report but it is helpful.

Doctor/Provider Network Restrictions

Medigap isn’t your only option for supplementing your Medicare coverage gaps – but it is the most adaptable one. A number of other varieties of supplemental coverage, Medicare Advantage particularly, control which doctors you can visit and which facilities you may get health care from. Going outside of these pre-approved networks will not be free, and the authorization procedure can be daunting. Medicare supplemental insurance, alternatively, allows you to use whatever medical doctor or visit any facility which allows Medicare.

Doctors List

Do you like the doctor you are seeing now? The type of Medicare supplement insurance that you select will determine if you can keep seeing your doctor or if you will have to find a new one. Some plans use networks and only cover services provided by providers who are members of that network. If your doctor is not a member, you’ll have to find a new one. Medigap plans however, don’t use networks. If your doctor accepts Medicare assignment, they qualify as a provider on Medigap plans. Actually, that goes for any doctor anywhere in the country, so you can travel or visit the kids without worrying about coverage.

Drug, Vision and Dental Coverage

In the year 2010, the government handed down legislation which altered the way Medigap insurance handled prescription drug coverage. Now that Medicare Part D exists, All Medicare supplemental insurance plans which offered prescription drug coverage are being removed. Vision and dental benefits are a different issue, however. They have never been covered by either Medicare or Medigap, and ought to be purchased independently via a private company should you have the need for those services.

Enrollment Options & Best Time To Enroll

Listed here are different ways that you may qualify for a Medigap plan. Some companies may require you to answer questions about your overall health prior to qualifying, others may well limit your options due to pre-existing conditions. If you’re fortunate, simply being enrolled in Medicare may be enough to qualify you. For additional information, have a look at our Medigap Enrollment Options page, or get in touch with one of our licensed agents. They will make individual recommendations according to your specific circumstances.

  • Initial Enrollment Period: You are guaranteed coverage, with no hassle, if you buy a Medicare supplement plan within your first 6 months of enrolling in Medicare.
  • Guaranteed Issue: Typical among golden-agers who will be losing an employer or group health plan. The provider you apply to must accept and cover you, regardless of your current health condition.
  • Annual Enrollment Period (AEP): Contrary to most forms of insurance, you may register for a Medigap policy whenever you want. You aren’t limited by an annual enrollment period.
  • Underwritten: In the event you miss the IEP and don’t qualify for Guarantee Issue, you may have to go through the underwriting process. This normally entails questions about your overall health, and maybe a medical exam in order to assess whether your insurance provider can cover you.

Free Look Period

For your protection, there’s a 30 day “Free Look” assessment period for any Medicare supplement plan issued. You have 30 days from your first day of coverage to choose whether your policy satisfies your needs. In the event you change your mind, you can cancel the policy and receive a complete refund.

What Medigap Plan Is Best For Me?

A perfect plan is a plan that perfectly fits your healthcare needs and is affordable. The problem of course is finding it. There is no shortage of private insurance companies providing these kinds of plans. You probably don’t know half of them. has compiled a comprehensive list of those companies licensed in Kentucky to give you a head start. If you browse our other information, including answers to most frequently asked questions, we are confident you’ll find the plan that’s best for you.

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.