If you’re trying to find the best Kentucky Medicare Supplement plans, you’ve come to the right place. In this guide, we’ll walk you through how to compare plans and find the best value when shopping for Kentucky Medigap plans.
In this article we’ll discuss:
best medicare supplement plans in Kentucky
Before you start trying to compare plans, you need to make sure you understand how these plans are setup. Medigap plans are standardized insurance plans that are regulated by the government.
What does a standardized plan mean?
This means that when you shop for a specific Medicare Supplement Plan (like Medigap Plan G) it will provide you the same exact coverage no matter the company you buy from.
Your Medicare coverage is the same no matter if the Plan G is from Blue Cross Blue Shield, Mutual of Omaha, Cigna or any other Medigap company.
It’s the LAW!
How to save money on medicare supplement plans in Kentucky
How much will you pay for your Kentucky Medicare Supplement Insurance? You’re not getting more benefits by paying more.
So don’t overpay!
How much can Kentucky residents save?
Here’s a quick example…
Plan G premiums with one insurance company can be very different from another insurance company. Remember, the benefits are the same even if the premiums are different.
We calculated sample quotes from multiple states to show you what the lowest and highest rates are for a 65 year old (non tobacco) male shopping for a Medigap Plan G.
The average monthly premiums from “A” rated companies are:
- Average Lowest Monthly Rate: $128
- Average Highest Monthly Rate: $190
Your Potential Monthly Savings!
Those savings are huge… That’s an annual savings of $744!
Again, these plan savings all come with the same benefits.
Since the benefits are the same, the only difference from each company is PRICE!
How Medicare Supplements Work
Let’s look at Medigap and compare it to an everyday purchase.
Think of Medigap plans like buying gas.
The quality of regular unleaded gasoline (Plan G) is the same at every gas station.
However, gasoline may have different prices from multiple gas stations in your town.
You probably buy the least expensive premium gas because it’s the same regardless of which station you buy it from.
This is how Medigap works.
If you want to purchase a Plan G, shop your Plan G with all the companies in your Zip Code.
If you are shopping for Plan N, shop all Plan N plans in your Zip Code.
Kentucky Medigap Benefits
Plan G benefits are the exact same no matter what company you choose.
This applies to all Medigap plan letters.
You do not get better benefits by selecting a big or small insurance company.
Price comparison shopping is extremely important.
You must make sure that you are not spending more than you have to for the exact same Kentucky Medicare Supplement Insurance Coverage.
Compare Kentucky Medicare Supplements
It is important to know that even though the coverage for Kentucky Medicare Supplement Plans are the same, the rates are not. You need to compare the plan letters from company to company. For example, compare Medicare Supplement Plan G from multiple companies.
Medicare Supplement Insurance Plan premium prices are different when comparing Kentucky Medicare Supplement Insurance Companies.
The Medigap lettered plans (Plan G for example) are standardized. This is a safety net put in place by CMS (Centers for Medicare and Medicaid Services) to protect you. Insurance companies, by law, can’t make any changes to standardized Medigap benefits.
CMS, however, does not regulate premiums. Insurance companies adjust rates based on inflation, overhead, medical pay outs, marketing, etc.
Outline Of Coverage
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
REMEDIGAP can help
Our service is free. We help Kentucky Medicare Insurance beneficiaries who are new to Medicare or already using Medicare.
If you have a Medigap plan, we can review your coverage and find lower rates to save you money on the same exact plan.
We are independent agents who shop the entire market and offer you choices.
We’re not bound to any insurance company.
We don’t work for the Medicare Supplement companies. We work for you.
We’ll find you the absolute highest value with your Medicare Supplement coverage by shopping all of the insurance companies that offer Kentucky Medigap coverage.
Be an informed buyer and comparison shop your Kentucky Medicare Supplement Insurance plans and rates.
Just click here to request a quote or call us at (888) 411-1329 for personal service.
Kentucky Medigap Locations
Are you wondering if I can help you lower your Medicare Supplement costs? I can! Below are the cities in Kentucky that I serve. Click here if you’re looking for other Medicare Supplement states.
Adairville Albany Alexandria Allen Allensville Anchorage Annville Arlington Ashland Auburn Audubon Park Augusta Bancroft Barbourmeade Barbourville Bardstown Bardwell Barlow Beattyville Beaver Dam Bedford Beechwood Village Bellefonte Bellemeade Bellevue Bellewood Benham Benton Berea Berry Blackey Blaine Blandville Bloomfield Blue Ridge Manor Bonnieville Booneville Bowling Green Bradfordsville Brandenburg Breckinridge Center Bremen Briarwood Broad Fields Brodhead Broeck Pointe Bromley Brooks Brooksville Brownsboro Farm Brownsboro Village Brownsville Buckhorn Buckner Buechel Burgin Burkesville Burlington Burnside Butler Cadiz Calhoun California Calvert City Camargo Cambridge Campbellsburg Campbellsville Campton Caneyville Carlisle Carrollton Carrsville Catlettsburg Cave City Cedarville Centertown Central City Cherrywood Village Clarkson Claryville Clay Clay City Clinton Cloverport Coal Run Village Cold Spring Coldstream Columbia Columbus Concord Corbin Corinth Corydon Covington Crab Orchard Creekside Crescent Springs Crestview Crestview Hills Crestwood Crittenden Crofton Crossgate Cumberland Cynthiana Danville Dawson Springs Dayton Dixon Douglass Hills Dover Drakesboro Druid Hills Dry Ridge Dycusburg Earlington East Bernstadt Eddyville Edgewood Edmonton Ekron Elizabethtown Elkhorn City Elkton Elsmere Eminence Erlanger Eubank Evarts Ewing Fairdale Fairfield Fairmeade Fairview Falmouth Ferguson Fern Creek Fincastle Flatwoods Fleming-Neon Flemingsburg Florence Fordsville Forest Hills Fort Campbell North Fort Knox Fort Mitchell Fort Thomas Fort Wright Fountain Run Fox Chase Frankfort Franklin Fredonia Frenchburg Fulton Gamaliel Georgetown Germantown Ghent Glasgow Glencoe Glenview Glenview Hills Glenview Manor Goose Creek Goshen Grand Rivers Gratz Graymoor-Devondale Grayson Greensburg Green Spring Greenup Greenville Guthrie Hanson Hardin Hardinsburg Harlan Harrodsburg Hartford Hawesville Hazard Hazel Hebron Estates Henderson Hendron Hickman Hickory Hill Highland Heights Highview Hills and Dales Hillview Hindman Hiseville Hodgenville Hollow Creek Hollyvilla Hopkinsville Horse Cave Houston Acres Hunters Hollow Hurstbourne Hurstbourne Acres Hustonville Hyden Independence Indian Hills Inez Irvine Irvington Island Jackson Jamestown Jeffersontown Jeffersonville Jenkins Junction City Keeneland Kenton Vale Kevil Kingsley Kuttawa La Center LaFayette La Grange Lakeside Park Lakeview Heights Lancaster Langdon Place Latonia Lakes Lawrenceburg Lebanon Lebanon Junction Ledbetter Leitchfield Lewisburg Lewisport Lexington-Fayette Liberty Lincolnshire Livermore Livingston London Lone Oak Loretto Louisa Louisville Loyall Ludlow Lynch Lyndon Lynnview McHenry McKee Mackville McRoberts Madisonville Manchester Manor Creek Marion Martin Maryhill Estates Masonville Massac Mayfield Maysville Meadowbrook Farm Meadow Vale Meadowview Estates Melbourne Mentor Middlesborough Middletown Midway Millersburg Milton Minor Lane Heights Mockingbird Valley Monterey Monticello Moorland Morehead Morganfield Morgantown Mortons Gap Mount Olivet Mount Sterling Mount Vernon Mount Washington Muldraugh Munfordville Murray Murray Hill Nebo Newburg New Castle New Haven Newport Nicholasville Norbourne Estates North Corbin Northfield North Middletown Nortonville Norwood Oakbrook Oak Grove Oakland Okolona Old Brownsboro Place Olive Hill Orchard Grass Hills Owensboro Owenton Owingsville Paducah Paintsville Paris Park City Park Hills Park Lake Parkway Village Pembroke Perryville Pewee Valley Phelps Pikeville Pine Knot Pineville Pioneer Village Pippa Passes Plantation Pleasure Ridge Park Pleasureville Plum Springs Plymouth Village Poplar Hills Powderly Prestonsburg Prestonville Princeton Prospect Providence Raceland Radcliff Ravenna Raywick Reidland Richlawn Richmond River Bluff Riverwood Robards Rochester Rockport Rolling Fields Rolling Hills Russell Russell Springs Russellville Ryland Heights Sacramento Sadieville St. Charles St. Dennis St. Matthews St. Regis Park Salem Salt Lick Salyersville Sanders Sandy Hook Sardis Science Hill Scottsville Sebree Seneca Gardens Sharpsburg Shelbyville Shepherdsville Shively Silver Grove Simpsonville Slaughters Smithfield Smithland Smiths Grove Somerset Sonora South Carrollton Southgate South Park View South Shore South Wallins Sparta Springfield Springlee Spring Mill Spring Valley Stamping Ground Stanford Stanton Stearns Strathmoor Manor Strathmoor Village Sturgis Sycamore Taylor Mill Taylorsville Ten Broeck Thornhill Tompkinsville Trenton Union Uniontown Upton Valley Station Vanceburg Versailles Vicco Villa Hills Vine Grove Visalia Wallins Creek Walton Warfield Warsaw Water Valley Watterson Park Waverly Wayland Wellington West Buechel West Liberty West Point Westwood Westwood Wheatcroft Wheelwright Whipps Millgate White Plains Whitesburg Whitesville Whitley City Wickliffe Wilder Wildwood Williamsburg Williamstown Willisburg Wilmore Winchester Windy Hills Wingo Woodburn Woodbury Woodland Hills Woodlawn Woodlawn-Oakdale Woodlawn Park Worthington Worthington Hills Worthville Wurtland