If you are a resident of Kansas and are on Medicare, you may be wondering about your options for supplemental coverage. Fortunately, there are a variety of plans available in the state, and the rates vary depending on your age and location. In this blog post, we will provide an overview of Kansas Medicare Supplement Plan as well as the rates for each plan. Keep reading to learn more!
What Does Medicare Cover?
There are four main parts to the Medicare system:
- Part A (Hospital Coverage)
- Part B (Medical Coverage)
- Part C (Medicare Advantage)
- Part D (Prescription Drug Coverage)
Medicare Part A provides coverage for inpatient hospital care, skilled nursing facility (SNF), blood services, and hospice care. Part B provides coverage for medical services, including medical expenses either in or our of the hospital, outpatient hospital treatment, blood services, clinical laboratory services (diagnostic tests), home health care (approved medically necessary skilled care services and supplies), and durable medical equipment like wheelchairs, walkers, etc. Part B also covers some preventive care services. Medicare Part C is actually a replacement of Medicare and is known as the “Medicare Advantage” plan, or a “Medicare Replacement” policy. Medicare Part D is coverage for prescription Medications.
Although Medicare pays a large portion for healthcare expenses, it by far does NOT provide full coverage. For example, Medicare only pays 80% for most medical expenses, and Medicare also requires Medicare beneficiaries to pay large co-pays, co-insurance, and deductibles for hospitalizations etc. The standard Medicare Part A hospital deductible is $1,513.00 for the first 60 days in the hospital in 2022(increasing deductible generally every year).
Which Carrier is Offering The Best Rates?
The rates for Medicare supplemental plans in Kansas vary depending on the carrier and the specific plan. For example, Plan F from Company A may have a monthly premium of $100, while Plan F from Company B may have a monthly premium of $150. It’s important to compare rates from different carriers before enrolling in a plan.
You can use our free online tool to compare rates from different carriers in your area. Just enter your zip code and start shopping!
What Are The Different Plans Available?
There are a variety of Kansas Medicare Supplement Plans. The most popular plans are Plan F, Plan G, and Plan N. Each plan has its own set of benefits, and the monthly premium will vary depending on the carrier.
Plan F is the most comprehensive plan available, and it covers all of the gaps in Medicare Part A and Part B. Plan G is similar to Plan F, but it does not cover the Medicare Part B deductible. Plan N is a lower-cost option that covers some of the gaps in Medicare Part A and Part B, but it comes with some out-of-pocket costs.
How Do I Enroll?
If you are interested in enrolling in a Medicare supplement plan, the best way to do so is by visiting the our website and click on the carrier you are interested in. From there, you can compare plans and rates, and enroll in the plan of your choice.
You can also enroll in a plan by calling the carrier or visiting a local agent. 1-800-339-4112
Are Some Companies Better Than Others?
There is no one “best” company for Medicare supplemental insurance. The best company for you will depend on your specific needs and budget. That’s why it’s important to compare rates from different carriers before enrolling in a plan.
You can use our free online tool to compare rates from different carriers in your area. Just enter your zip code and start shopping!
What If I Have Questions?
If you have questions about Medicare supplemental insurance, our team of licensed agents would be happy to help. Give us a call at 800-339-4112, and we’ll be happy to answer any questions you have.
We understand that Medicare can be confusing, but we’re here to help! Give us a call today and we’ll be happy to answer any of your questions.
If you are going to with a supplemental plan we will also discuss your drug coverage with you. If you do not take any medications, you will still need to take a plan. This way you can avoid any penalties.