Kentucky Medicare: Medicare Advantage Plans in Kentucky (KY)

Medicare Advantage Plans in Kentucky

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What Are the Medicare Advantage Plans Available in Kentucky?

For Kentucky residents approaching age 65, figuring out the ins and outs of Medicare can be complicated. Understanding the federally administered Medicare program, which is the primary source of healthcare coverage for Kentucky residents 65 years of age and older, isn’t quite as bad as you might think once you understand the healthcare coverage options available from a Medicare Advantage plan in Kentucky.

Medicare Advantage plans are also known as Medicare Part C, both referring to plans through which you can receive hospital insurance from Medicare Part A and medical/doctor’s office insurance fromMedicare Part B. Medicare Advantage programs are available from private insurance companies, are Medicare-approved, offer at least the same level of coverage as Medicare Parts A and B and often include additional benefits.

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How Do I Determine My Eligibility for a Medicare Advantage Plan in Kentucky?

One aspect of Medicare that’s easy to figure out is eligibility for a Medicare Advantage (MA) plan. Anyone who is eligible for Medicare Parts A and B are also eligible for enrollment in a Medicare Advantage plan, assuming you reside in an area where Medicare Advantage plans are sold. Obtaining such an insurance plan is helpful because medical needs often increase with age. Copayments, coinsurance and deductibles vary depending on the plan in which you enroll.

Kentucky residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance plan at the same time. A Medicare Supplement plan assists in covering some of the gaps in coverage such as copayments, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Are Prescription Drugs Covered Under Medicare Advantage Plans in Kentucky?

Any Kentucky resident looking for prescription drug coverage should consider a Medicare Part C plan, because some Medicare Advantage plans may include a Medicare Prescription Drug plan. A Medicare Advantage plan including prescription drug coverage is called a MAPD plan.

Most Popular Medicare Advantage Plans in Kentucky

Finding the right Medicare Advantage plan in Kentucky is as unique as the person the plan is for. Among residents of Kentucky who are enrolled in a Medicare Advantage plan, 51% enroll in a Local PPO, 44% enroll in an HMO/HMOPOS plan and 5% enroll in a Regional PPO, as reported by the Centers for Medicare & Medicare Services (CMS.gov). Knowing how much Medicare plan coverage you need will help you determine the right Medicare Advantage plan in Kentucky for your needs.

You can become more informed about Medicare Advantage plans available in Kentucky by contacting a SelectQuote licensed insurance agent who can guide you through the Medicare maze. Acting as your advocate, our licensed insurance agents help you weigh the Medicare Advantage plan options in your area, understand costs and answer questions throughout the process. SelectQuote individually shops more than 20 national insurance companies to help find a plan that works within your needs and budget.

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Kentucky Medicare Advantage Plan Enrollment Period

Enrollment in a Medicare Advantage plan occurs during specified enrollment periods. Medicare enrollment in Kentucky opens for residents prior to turning age 65 or earlier in special disability cases. The Initial Enrollment Period (IEP) runs for seven months.

IEP begins three months before turning age 65, including the birthday month, and ends three months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re a Kentucky resident with a December birthday, your IEP runs from September through March.

You may also enroll in a Medicare Advantage plan during the Medicare Annual Enrollment Period, which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

During the Annual Enrollment every year, Kentucky residents can:

Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
Change from one Medicare Advantage Plan to another
Switch from one Prescription Drug (Part D) plan to another
Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare

In addition to AEP, Kentucky residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.

Is a Kentucky Medicare Advantage Plan Right for You?

Looking for the right Medicare Advantage plan to meet your needs? A licensed insurance agent at SelectQuote can help ensure you are getting all available benefits while staying up-to-date with annual changes to Medicare plans made by insurance companies. As a trusted independent third-party company, SelectQuote is here to help Kentucky residents find the right Advantage plan to meet their needs and budget.

To ensure you are getting all the benefits you need, call or complete your online form today. Let SelectQuote’s experienced licensed insurance agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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