Medigap, or Medicare supplement, plans are an integral part of Medicare coverage. Kentucky Medicare Supplement plans offer a standardized set of benefits established by the government that extends Medicare coverage to mitigate costs otherwise borne by beneficiaries.

Kentucky Medigap Enrollment & Coverage Chart Per Letter Plan

Medicare supplements and Medigap plans cover close to 230,000 Kentucky Medicare beneficiaries. This number accounts for around 34% of all Medicare enrollees in the state. While the rate is lower than the rest of the country, it illustrates how widespread these plans are.

PLAN A B C D F G K L M N
1,242 3,744 13,644 789 126,598 46,942 824 569 3 24,268

What are the Most Common Medigap Plans in Kentucky

Among Kentucky Medicare beneficiaries, Plan G is very popular. Plan G offers a compelling balance of affordability and coverage, which explains its popularity. More than 50,000 Medicare beneficiaries in Kentucky choose this plan, which provides an attractive array of benefits.

Despite this, Plan F remains the most popular option. This plan provides comprehensive coverage to Medicare beneficiaries in Kentucky, covering all medical expenses, including Part B deductibles. There are roughly 126,600 residents of Kentucky who choose this plan, making it one of the most effective options available.

Third on the list of Kentucky health plans is Plan N. This plan boasts 25,000 members, showing that it offers enough benefits to appeal to residents. Plan N is a solid option for Kentucky Medicare beneficiaries as it provides adequate coverage at an affordable price.

Medigap Plan Coverage Chart for Kentucky

The federal government standardizes each plan’s Medigap benefits nationwide. The same benefits are available regardless of where you live, so you can still choose a plan with confidence if you plan on moving.

Medicare Supplement Plans Costs in Kentucky

No matter where you live, Medicare Supplement plans offer the same benefits, as the government standardizes the benefits of these plans across the country. However, various factors determine the premiums you will pay for health insurance in Kentucky.

Of course, the state and city you live in play a significant role, but your medical history and lifestyle choices such as smoking and drinking are also among the factors providers use to determine the costs of premiums.

Cheapest Premium Per Medigap Letter Plan in Kentucky

This chart provides some figures to show you how much Medicare Supplements cost in Kentucky. Please note that we based these figures on a 65-year-old female patient, so they will not be exact for everyone. However, these figures can give you a sense of what to expect when purchasing Medigap insurance.

PLAN A B C D F G K L M N
Premium $66 $119 $148 $118 $119 $106 $46 $67 $124 $79

Most Expensive Premium Per Medigap Letter Plan in Kentucky

The following chart illustrates the statistics of a 70-year-old male patient. The Medigap premiums in the chart below represent the upper end of the cost spectrum.

PLAN A B C D F G K L M N
Premium $372 $400 $416 $312 $510 $410 $174 $276 $359 $350

Top Medicare Supplement Plan Carriers in Kentucky

Below is a list of the top Medicare Supplement plans available to Kentucky residents. This chart represents prices for a 70-year-old female patient, so costs may vary depending on age and gender, but it gives an idea of what to expect.

CARRIERS PLAN F PLAN G PLAN N
United States Fire $129 $108 $84
Slbi $119 $108 $79
Federal Life $132 $108 $80
Magna Health $128 $110 $82
American Benefit $138 $113 $82

Kentucky Cities with Estimated Premiums for Medicare Supplement Coverage

There are charts with estimated premiums for Medicare Supplement coverage for the below cities:

FAQs

Is Medigap and Medicare Supplement the same thing in Kentucky?

Yes, Medigap and Supplemental Medicare are different terms that refer to the same types of supplemental insurance plans. There is no difference between the two terms, as both refer to plans that provide additional coverage for beneficiaries who enroll in Medicare.

If you’re having difficulty selecting the right Kentucky Medicare Supplement plan, Medigap.com is here to help.

Are Medigap plans better than Advantage plans in Kentucky?

Both Medigap and Medicare Advantage offers compelling benefits to Kentucky Medicare beneficiaries, so it’s not easy to give a definitive answer. However, the two options boast different advantages, with Medigap plans providing excellent coverage but coming at a higher cost. Conversely, Medicare Advantage plans can enable beneficiaries to save money but make treating severe conditions more expensive.

How do I choose a good Medigap plan in Kentucky?

Choosing the ideal Medigap plan in Kentucky requires careful research and consideration. Each plan provides distinct advantages and disadvantages, so it can be challenging to identify the best option without fully understanding each plan. If you need help choosing a Medigap plan, Medigap.com can help by providing expert guidance through the process.

What is the most comprehensive Medicare supplement plan in Kentucky?

The most comprehensive Medicare supplement plan in Kentucky is Plan F. Medicare Plan F covers nearly all aspects of a Medicare beneficiary’s care, including hospitalization and medical examinations. The advantage of these plans is that they even cover Part B deductibles, making them a desirable option for Kentucky beneficiaries. However, beneficiaries should also consider the higher cost of Plan F before selecting.

How do you qualify to get $144 back from Medicare in Kentucky?

Medicare beneficiaries who enroll in Medicare Advantage plans may be eligible for money back from Medicare if they meet specific criteria. For example, if you meet the income threshold, you may qualify to receive the entire cost of your premium back from the government. This money comes from premium reduction programs, so contact your provider to see if you qualify.

How to Sign Up for Medicare Supplement Plan in Kentucky

The Medicare system can seem daunting, with multiple options and factors to consider before deciding. Choosing the right Medicare Supplement plan is crucial, as the differences in coverage can significantly impact how much you must pay when health problems occur.

Medicare beneficiaries can get Medicare support services at no cost through Medigap.com. Our team works with all providers and can help you choose the best package for your budget and needs. The experts at Medigap.com can help make the process of obtaining Medicare simple.

Whether you want to investigate Medicare eligibility or a more complex issue, such as moving to another state with Medicare, you can count on us. If you’re interested in Kentucky Medicare Supplement plans, call us today or fill out our web form to get rates for your area.

Picture of the author
by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. 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.