If you’re concerned about the out-of-pocket expenses you may have with Original Medicare in Kansas, you may want to consider joining a Medicare Supplement (Medigap) plan. Medigap in Kansas can help you pay for health-care costs associated with Original Medicare, Part A and Part B, including copayments, coinsurance, and deductibles. In addition, some plans may offer benefits for other costs that Original Medicare doesn’t cover, such as Part B excess charges or emergency health coverage when you’re outside of the country. There may be various Medicare Supplement plan options in Kansas, depending on the zip code you live in, so it’s important to carefully consider the benefits in each plan available in your area so you can choose a plan that may suit your needs.
How Medigap plans work in Kansas
There are 10 standardized Medicare Supplement plans available in 47 states, including Kansas, each of which is identified by one of 10 letters (A, B, C, D, F, G, K, L, M, and N), with plans of the same letter offering the same benefits. Massachusetts, Minnesota, and Wisconsin offer different kinds of standardized Medigap plans.
If you want to enroll in Medigap in Kansas, you must first be enrolled in Original Medicare, Part A and Part B. You can sign up for Medigap coverage during your Medigap Open Enrollment Period, which starts the first day you are both age 65 or older and enrolled in Medicare Part B and lasts for six months. During your Medigap Open Enrollment Period, you can join any Medigap plan available in your area, and insurance companies aren’t allowed to deny you coverage because of pre-existing conditions or require medical underwriting. These special protections are called “guaranteed-issue rights,” and if you try to switch plans or enroll in a plan outside of your Medigap Open Enrollment Period, you may not have them. If you decide to join Medigap in Kansas at a later date, you may be denied coverage or charged more for your policy. Without guaranteed-issue rights, insurance companies are allowed to take your health status into consideration.
Medicare Supplement coverage isn’t meant to provide stand-alone health benefits. Instead, Medigap plans in Kansas are meant to supplement, not replace Original Medicare, and you’ll still get your hospital and medical benefits through the government program. You’ll need to remain enrolled in Original Medicare and keep paying your Medicare Part B premium, in order to keep your health coverage. Also, since Medigap plans in Kansas (like the rest of the country) do not offer prescription drug coverage, you may want to consider enrolling in a stand-alone Medicare Part D Prescription Drug Plan for your prescription coverage.
Keep in mind that Medicare Supplement benefits can’t be used to pay for costs you may have in Medicare Part C. If you switch to Medicare Advantage, you may want to consider dropping your Medigap plan, since you can’t use Medigap benefits to pay for Medicare Advantage plan costs.
If you drop your Medigap plan to switch to a Medicare Advantage plan for the first time, then change your mind within a year and want to go back to Original Medicare, you may have a special “trial right” to get back your original Medigap plan with guaranteed issue (or Medigap Plan A, B, C, F, K, or L offered by any insurance company in your state).
Types of Medigap plans in Kansas
As mentioned, there are 10 standardized plan types available in most states, including Kansas. Take a look at the 10 standardized Medicare Supplement plans in Kansas, and understand what they offer in order to choose the one that best suits your health and budget needs. In this chart, X indicates that the service (or item) is 100% covered; a percentage indicates what percent of the service/item is covered; and a blank cell indicates it is not covered.
|Medicare Supplement Plans|
|Medicare Supplement Benefits||A||B||C||D||F*||G||K||L||M||N|
|Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted||X||X||X||X||X||X||X||X||X||X|
|Medicare Part B copayment or coinsurance||X||X||X||X||X||X||50%||75%||X||X***|
|First three pints of blood||X||X||X||X||X||X||50%||75%||X||X|
|Medicare Part A hospice care coinsurance or copayment||X||X||X||X||X||X||50%||75%||X||X|
|Skilled nursing facility care coinsurance||X||X||X||X||50%||75%||X||X|
|Medicare Part A deductible||X||X||X||X||X||50%||75%||50%||X|
|Medicare Part B deductible||X||X|
|Medicare Part B excess charges||X||X|
|Foreign travel emergency coverage (up to plan limits)||80%||80%||80%||80%||80%||80%|
|Out-of-pocket limits apply.**|
*Medicare Supplement Plan F offers a high-deductible version in which beneficiaries pay a certain deductible amount before the plan begins coverage. This amount may change from year to year.
**Once you reach the out-of-pocket limits (including the Part B deductible), both Medicare Supplement Plans K and L pay 100% of covered services in the above chart for the remainder of the calendar year.
***Medicare Supplement Plan N pays 100% of the Medicare Part B coinsurance, except for a copayment of up to $20 on doctor visits and up to $50 on emergency room visits that don’t result in an inpatient admission.
Choosing a Medigap plan in Kansas
As stated earlier, Medicare Supplement plans in Kansas with the same letter designation don’t vary in coverage or benefits. However, monthly premium costs may vary by insurance company and location. This means that a resident of Wichita in Sedgwick County may pay more or less than a resident of Kansas City in Wyandotte County for an identical Medicare Supplement plan. Knowing that there will most probably be differences in costs, it may be smart to compare all Medicare Supplement plans available in your area, and then select a Medigap plan in Kansas based on your individual health and budget requirements.
With the various Medigap plan options offered in Kansas, it may be smart to get help choosing a plan that’s suited to your individual needs. You can contact us at the phone number on this page to speak with a licensed insurance agent about your Medicare coverage needs. Or, if you’re ready to start browsing plans now, just enter your zip code into the plan finder tool on this page to view and compare plan options in your area.