Here’s the Rundown: Are you one of the thousands of people eligible to get Medicare in Kansas?
People who have Medicare in Kansas have the option of getting their benefits through private insurance companies.
Keep in mind that your options will depend on your zip code and county, as well as your coverage wants and needs.
Keep reading to find out what your options are for Medicare in Kansas.
Original Medicare in Kansas
Original Medicare is the government health insurance program that provides health insurance for adults 65 and up. You also may be able to get Medicare in Kansas if you are younger than 65 but have certain disabilities.
Original Medicare is a federal government-run program and it works in the same way for all 50 states, including Kansas.
Usually, you’re eligible for Medicare benefits if:
- You’re 65 or older,
- A United States citizen or a legal permanent resident of at least five continuous years.
- You’re younger than 65 and disabled, or
- You’re younger than 65 and have ESRD or Lou Gehrig’ disease.
Original Medicare comes in two parts: Part A (hospital coverage) and Part B (medical coverage).
Part A covers things like:
- Hospital stays
- Skilled nursing facility stays
- Hospice care
- Short-term home health care.
Part B covers things like:
- Doctor visits
- Preventive screenings
- Lab tests
- Durable medical equipment, like wheelchairs.
Not everything is covered by Original Medicare in Kansas. You won’t be covered for some things, like:
- Prescription drugs
- Vision care
- Dental care
You may be able to get coverage for those things and others through Medicare Advantage plans.
Medicare in Kansas Enrollment Periods
You can enroll in Medicare in Kansas during the following periods:
Initial Enrollment Period (IEP):
The Initial Enrollment Period is the seven-month period when most people can first enroll in Medicare.
It starts three months before you turn 65, includes the month you turn 65, and ends three months later.
General Enrollment Period (GEP):
If you missed your Initial Enrollment Period, you can enroll in Medicare during this time. The General Enrollment Period occurs from January 1 to March 31 every year.
It’s important to know that you may have to pay a penalty for not signing up when you were first eligible.
Special Enrollment Period (SEP):
Outside the regular enrollment periods noted above, you may qualify for a Special Enrollment Period.
For example, if you did not enroll in Medicare Part B because you had other coverage, like through your job, you may qualify for an SEP.
This is an 8-month period of time when you can enroll in Medicare.
How do I enroll in Medicare in Kansas?
If you are eligible for Medicare, you can enroll:
- Online at the Social Security website.
- By phone at 1-800-772-1213. TTY users can dial 1-800-325-0778. Customer representatives are available Monday through Friday, from 7AM to 7PM.
If you worked at a railroad should apply through the Railroad Retirement Board (RRB), by calling 1-877-772-5772; TTY users dial 1-312-751-4701.
The RRB can be reached Monday through Friday, from 9AM to 3:30PM.
- In person at a Social Security office.
To look up locations in Kansas, use the Social Security Office Locator.
Medicare in Kansas: Coverage Options
You have other ways to get your Medicare coverage than just through Original Medicare.
Private insurance companies also offer plans.
Some types of Medicare coverage are only available through private insurance companies.
Your other options for coverage may include:
Medicare Advantage (Part C) is another way to get your Original Medicare benefits. Private companies have plans that give you at least the same amount of coverage as Original Medicare, except for hospice care which is still covered by Part A.
Some Medicare Advantage plans offer more coverage than Original Medicare, for example it may include other benefits, such as routine vision, dental and/or prescription drug coverage.
Some plans also offer other benefits like wellness programs.
Medicare Part D is prescription drug coverage.
If you have Original Medicare, you can get Medicare prescription drug benefits by enrolling in a stand-alone Medicare Part D Prescription Drug plan.
These plans are offered by private insurance companies and are meant to work with Original Medicare.
Some Medicare Advantage plans include prescription drug coverage. These plans are called MA-PD plans.
With these plans, you get both your health and drug benefits all in one plan.
If you have a MA-PD plan, you can’t get a stand-alone Medicare Prescription Drug Plan (PDP).