Medicare Supplement Plans in Kansas for 2023

Medicare Supplement plans in Kansas are the same options available nationwide. But, like all states, Kansas has its own quirks that make the state unique. Below we discuss the cost, availability, and how to enroll in a Medicare Supplement plan in Kansas.

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Medicare Supplement Plans in Kansas

The most common Medicare Supplement (Medigap) plans include Medicare Supplement Plan N, Plan G, and Plan F. Each plan has a different set of benefits that provide coverage for those who enroll.

If you are looking for a plan to cover all of your out-of-pocket cost-sharing, Medigap Plan F might be the best option for you – if you qualify. To enroll in Medicare Supplement Plan F, you must be eligible for Original Medicare prior to January 1, 2020. If not, you will have to enroll in another plan.

If you are looking for a plan with a reasonable monthly premium and low out-of-pocket costs, Medigap Plan G might be right for you. This plan covers all of your costs after Original Medicare (Part A and Part B) pays, except for the Medicare Part B deductible. However, once you meet this amount out-of-pocket, you receive at 100% coverage from your Medigap plan for the remainder of the calendar year.

Finally, Medicare Supplement Plan N is an exceptional plan for those looking to spend less on monthly premiums but are okay with paying a copayment each time they visit the doctor. On this plan, you are responsible for the Medicare Part B deductible, copayments at the doctor’s office and emergency Rrom, and Medicare Part B excess charges, if applicable.

In Kansas, physicians may bill for excess charges if they do not accept Medicare assignment. Thus, you’ll need to speak with your doctor to avoid these costs. Yet, at the end of the day, the policy that brings you the most value will be the best option for you.

How Much Do Medicare Supplement Plans in Kansas Cost?

Understanding what you will pay for Medicare Supplement plan in Kansas is just as important as finding a plan with the right benefits for your situation. Kansas uses the attained-age rating method to price their Medigap policies. This rating method means that the age you are when you purchase your policy will directly impact the cost of your monthly premium for the life of your policy. Thus, the younger you buy, the lower your cost will be.

Kansas Medicare Supplement premium prices can vary based on a number of factors. These include your age, gender, ZIP Code, tobacco-use status, and more.

The chart below displays sample monthly premiums for a 65- and 75-year-old male and female in the same Kansas ZIP Code. As you can see, the premium is different for each person based on their demographics.

Female, No Tobacco, Kansas ZIP Code 66106
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $131-$458* $152-$500*
Medicare Supplement Plan G $110-$433 $120-$433
Medicare Supplement Plan N $82-$416 $90-$416 
Male, No Tobacco, Kansas ZIP Code 66106
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $147-$517* $172-$556*
Medicare Supplement Plan G $124-$488 $136-$488
Medicare Supplement Plan N $93-$470 $101-$470

* If on Medicare before 01/01/2020

Remember, these examples are just that. Your actual cost may vary from the examples above depending on your carrier and other circumstances.

Kansas Medicare Supplement Plan Eligibility Under 65

In most states, those under 65 that are eligible for Original Medicare will pay a significantly higher monthly premium for a Medicare Supplement plan than those under 65. In Kansas, those under 65 do not experience a premium increase due to their age. This means enrolling in a Medigap plan under age 65 is just as simple as enrolling once you age into Medicare.

Kansas Medigap Carriers

Several prominent carriers offer Medicare Supplement plans in Kansas. Thus, finding the right carrier for you should be a breeze. However, calling each carrier to check plan availability and premium cost can become a hassle. For an easy side-by-side comparison of Medicare Supplement carriers and costs in your Kansas ZIP Code, complete our online rate form today.

Carriers in Kansas include:

  • AARP
  • Accendo
  • Aetna
  • Allstate
  • BCBS
  • Capitol Life
  • Cigna
  • Humana
  • Lumico
  • Mutual of Omaha

Keep in mind, this is not a comprehensive list of Kansas Medigap carriers. If there is another carrier you are interested in, they may offer a Medigap plan in your state.

Additional Medicare Coverage in Kansas

Medicare Supplement plans in Kansas are just one option for coverage available to seniors on Medicare. While these plans help cover your medical expenses, alternative choices are available to help you with prescription drug coverage, dental, hearing, and vision coverage as well.

Medicare Part D is available to those on Original Medicare – with or without a Medicare Supplement plan. As Original Medicare does not pay for prescription drugs, Medicare Supplement plans do not either. Thus, Medicare Part D helps you cover the cost of prescription drugs.

Dental, Vision, and Hearing plans are also available for those who wish to have these additional benefits for more well-rounded coverage. If you wish to see the dentist, optometrist, or audiologist, you’ll need to enroll in separate coverage to receive benefits.

Additionally, Medicare Advantage plans are available for those who do not wish to enroll in Medigap. Medicare Advantage plans become your primary source of coverage with benefits and costs set by the carrier.

When you enroll in a Medicare Advantage plan, you cannot have a Medicare Supplement plan at the same time, and vice-versa. Further, while Medicare Advantage plans boast lower premiums, you must still pay your monthly Medicare Part B premium. Thus, it is crucial to gather as much information about costs as possible.

In contrast to Original Medicare and Medigap, Medicare Advantage plans often come with restrictive networks compared to the wide selection of practitioners accepting Medicare assignment. So, you could pay even more out-of-pocket if you must receive care out of your plan’s network.

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How to Apply for a Medicare Supplement Plan in Kansas

Finding the right Medicare Supplement plan is essential for smooth sailing during your retirement years. With the right plan in place, you’ll never have to worry about unexpected doctors’ bills or receiving the care you need to stay healthy.

Nobody should have to navigate insurance alone, especially not Medicare. While we update our content regularly, it's important to know that a quote is just an estimate, it's not the actual premium. Until you have your rate locked in, your Medicare Supplement premium is subject to change for any reason. Yet, once you are enrolled, unexpected rate increases are unlikely.

To compare top Medicare Supplement plans in Kansas and get an idea of the plans available to you, complete our online rate form to learn about your rates today! We are excited to help navigate you through your Medicare journey

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.


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