Which Medicare Supplement Insurance Plans Are Available in Kentucky?

If you’re a Kentucky resident and Original Medicare recipient looking for a way to cover expenses like copayments, coinsurance and deductibles, you might want to consider a Medicare Supplement Insurance plan. Also called Medigap, Medicare Supplement Insurance plans help cover out-of-pocket healthcare costs. Those looking for a Medigap policy can find one from private insurance companies throughout Kentucky.

In 2023, Kentucky residents have 10 Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits in Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those who are already enrolled in those plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

Kentucky residents looking for the most popular Medicare Supplement Insurance plans should first look at their specific coverage needs to determine what Medigap plans they should consider.

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Most Popular Supplement Insurance Plans in Kentucky

Government-approved Medicare Supplement Insurance plans protect residents in most states, including Kentucky. As reported by America’s Health Insurance Plans (AHIP), 225,297 Kentucky beneficiaries had Medigap coverage in 2021.

Below is the breakdown of the number of Kentucky enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	842	2,173	8,543	1,180	2,774	105,312	77,883	1,103	520	1,897	696	383	1	21,299

Source: AHIP(2021)

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Kentucky Medicare Supplement Insurance plan will not cover benefits for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan or consider a Medicare Advantage plan.

Learn more about your Medicare Supplement Insurance plan options in Kentucky by working with a SelectQuote licensed insurance agent. Acting as your advocate, our team can guide you through the Medicare maze to better understand the Medigap plan options and answer any questions you may have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in Kentucky.

Kentucky residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage plan.

When is the Kentucky Medicare Supplement Plan Enrollment Period?

Initial enrollment timeframes are very important. Enrollment for Kentucky Medicare Supplement Insurance plans begins the first day of the month you turn at least 65 years old. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.

Kentucky residents have a six-month period surrounding their birth month to buy a Medicare Supplement Insurance plan. Those under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. You might be surprised to hear that enrollment can begin as early as 64 and 6 months. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. If you apply for Medicare Supplement Insurance outside of this timeframe, you’ll be subject to a physical exam. If you apply for Medigap coverage after the first months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on current health status and pre-existing health conditions.

How Do I Know if a Kentucky Medicare Supplement Insurance Plan is Right For Me?

SelectQuote is an independent third-party company that is here to help you navigate the Medicare enrollment process. We can help ensure you have access to all the benefits available to you. SelectQuote’s licensed insurance agents can also help you stay current with annual updates to Kentucky Medicare plans made by insurance companies. As a trusted specialist in Medicare Insurance, SelectQuote is here to help you find the right Medicare Supplement plan to meet your needs.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.