Best Medicare Supplement Plans Kansas City

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Russell Noga
by Russell Noga | Updated February 29th, 2024

Looking for Medicare Supplement Plans Kansas City? This guide cuts through the complexity, offering direct comparisons and straightforward advice to help you understand which plan—be it the all-encompassing Plan F, the slightly less extensive Plan G, or the cost-effective Plan N—best aligns with your health needs and budget. Dive into our comprehensive overview, and find confidence in your choice of Medicare coverage.


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Understanding Kansas City Medicare Supplement Plans


Understanding Kansas City Medicare Supplement Plans


In Kansas City, many residents have come to prefer Medicare Supplement Plans, also known as Medigap policies. Here, Plan F and Plan G have garnered popularity due to their comprehensive coverage. These plans are available to those who became eligible for Medicare before January 1, 2020.

On the other hand, Plan N has emerged as the next preferred choice, providing similar coverage at a lower cost but excluding excess charges. These Medicare Plan N options, coupled with the Federal Medicare Program, offer an added layer of financial protection, making healthcare a less daunting prospect for seniors.


The Role of Medicare Supplement Insurance

Medicare Supplement Insurance, or Medigap, plays a pivotal role in a senior’s healthcare journey. Acting as a companion to Original Medicare, Medigap goes beyond the basic coverage to provide for out-of-pocket costs such as co-insurances, copayments, and deductibles.

This additional coverage, provided by a life insurance company, serves as a financial safety net, safeguarding seniors against high healthcare costs and providing a layer of security that enables them to:

  • Access necessary healthcare without depleting their savings
  • Receive specialized care and treatments
  • Have peace of mind knowing that their healthcare needs are covered


Types of Medicare Supplement Plans

A significant advantage of Medicare Supplement Plans is their flexibility. In Kansas City, residents can choose from a plethora of plans, including Medicare Advantage Plans and various Medicare Supplement options. Among these options, Medicare Supplement Insurance Plans are designed to help individuals maximize their Medicare benefits. Plan F, for instance, is one of the most comprehensive Medicare Supplement plans, covering Medicare Part A and Part B deductibles, along with Part B excess charges.

Plan G, on the other hand, does not cover Part B deductibles but is widely chosen for its coverage of Part B excess charges. For those seeking a cost-effective option, Plan N offers coverage similar to Plan G but does not cover Part B excess charges. Each of these plans has its unique offering, ensuring that residents can find a plan that matches their healthcare needs and financial capabilities.


Top Providers of Medicare Supplement Plans in Kansas City


Top Providers of Medicare Supplement Plans in Kansas City


UnitedHealthcare, Blue Cross and Blue Shield of Kansas City, and Cigna are leading providers of Medicare Supplement Plans in Kansas City. These providers, with their exceptional service quality and customer support, have made a strong foothold in the market, offering a range of plans tailored to cater to different needs.



Cigna, a renowned name in the healthcare industry, is known for offering competitive rates on Medigap plans in Kansas City. With an average monthly premium of $141.12 for Medigap Plan G, Cigna offers rates that are significantly lower than the state average of $177.80.

Cigna’s Plan N is another cost-effective offering, priced at $59 less per month compared to the average state cost for Plan N in Kansas. This plan includes benefits such as Foreign Travel Emergency coverage, providing up to 80% of hospital costs during a medical emergency abroad.



UnitedHealthcare, another leader in the industry, provides a variety of Medicare Supplement plans in Kansas City, including the popular AARP-branded plans. With over 40 years of experience in providing coverage, UnitedHealthcare has earned the trust of its members, demonstrated by a stunning 94% renewal rate.

Members of UnitedHealthcare’s Medicare Supplement plans in Kansas City enjoy a suite of additional benefits, including:

  • Access to a nurse hotline
  • A hearing program
  • Vision care discounts
  • The SilverSneakers fitness program for eligible members

UnitedHealthcare goes the extra mile in providing value to its members.


Blue Cross Blue Shield of Kansas City

Blue Cross Blue Shield of Kansas City, with its value-added features, has carved a niche for itself in the Medigap market in the city. Plan members are granted access to the Blue365® program, which provides discounts on health and wellness products and services, offering more than just primary health coverage.

Moreover, members have the added benefit of not needing a referral to see a specialist, providing more freedom in managing their healthcare. With a promise of coverage continuity and no network restrictions, Blue Cross Blue Shield of Kansas City offers convenience and peace of mind to its members.


Comparing Costs of Kansas City Medicare Supplement Plans


Comparing Costs of Kansas City Medicare Supplement Plans


Medicare Supplement Plans in Kansas City can cost anywhere between $110 to $190 per month. This cost variability is influenced by multiple factors, including the type of plan, the provider, and the age of the policyholder.


Factors Affecting Premiums

Premiums for Medicare Supplement Plans in Kansas City are mostly determined by the attained-age method, where premiums increase as the policyholder grows older. However, some providers, such as UnitedHealthcare, use a community-rated pricing model for certain plans, setting the same premium cost for all policyholders within a specific plan.

Age plays a significant role in influencing premium costs, especially with companies that have age-related pricing structures for their Supplemental Insurance plans. Other factors like plan type and the insurance provider also impact the cost of Medicare Supplemental Insurance in Kansas City.


Average Costs by Plan Type

The average monthly costs for Medigap Plans in Kansas City vary depending on the plan type. For instance, Plan F, G, and N have average monthly costs of $243.70, $177.80, and approximately $150, respectively.

There are also differences in cost based on age. The monthly premium for Medicare Supplement insurance for a 65-year-old in Kansas City averages around $137, whereas a 75-year-old pays about $198 on average.

These variances underline the importance of comparing costs and understanding what factors influence them when selecting a Medicare Supplement Plan.


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Choosing the Right Kansas City Medicare Supplement Plan

Choosing the Right Kansas City Medicare Supplement Plan


Selecting the right Medicare Supplement Plan requires:

This step is crucial to ensure that the chosen plan aligns with your lifestyle, medical history, and budget.


Assessing Your Healthcare Needs

Evaluating personal health conditions, the frequency of doctor visits, and regular prescriptions is an essential step in determining healthcare needs for a Medicare supplement plan. By understanding these elements, Kansas City residents can make informed decisions about which Medicare Supplement Plan best fits their needs.

Kansas City residents should consider their history of doctor visits, potential for hospital stays, and any chronic conditions that may require ongoing treatment when choosing a Medicare supplement plan. This self-assessment forms the foundation on which a suitable plan can be selected, especially when considering healthcare providers who accepts Medicare patients.


Comparing Plan Benefits and Costs

After identifying your healthcare needs, it’s important to compare the benefits and costs of various Medicare Supplement Plans. It’s crucial to examine:

  • Premiums
  • Deductibles
  • Out-of-pocket maximums
  • The scope of coverage provided by each plan.

For instance, Cigna’s Medigap plans offer the same benefits like:

  • The Healthy Rewards Program
  • Discounts on health products
  • 24-hour access to health information
  • Foreign travel emergency coverage

On the other hand, Cigna offers a 7% household discount for Medicare supplement plans if two people living in the same household enroll, providing an opportunity for cost-saving.


Enrolling in a Medicare Supplement Plan

The best time to enroll in a Medicare Supplement insurance plan is during the Open Enrollment period, or during special enrollment periods that occur due to specific life events. During this time, insurance companies cannot refuse coverage or charge higher premiums due to health conditions or disabilities.

Consulting with licensed insurance brokers who specialize in Medicare is also recommended. They can help Kansas City residents understand different options, identify appropriate plans, and facilitate the enrollment process.


Additional Resources for Kansas City Medicare Supplement Plans


Additional Resources for Kansas City Medicare Supplement Plans (1)


Kansas City residents have access to numerous resources that can help them understand and choose the right Medicare Supplement Plan. These resources include the State Health Insurance Assistance Program (SHIP),, and the Kansas Insurance Department’s website, which provide information and tools to navigate the options.


State Health Insurance Assistance Program (SHIP)

The State Health Insurance Assistance Program (SHIP) in Missouri, which serves Kansas City residents, offers personalized Medicare counseling. These services, which are federally and state-certified, are offered free of charge and are unbiased.

These services are made possible by volunteers who receive extensive training to become certified Medicare counselors. These counselors help Kansas City residents understand their Medicare options, guiding them to make the most suitable decisions for their healthcare needs., the official website, offers comprehensive information and tools for enrolling in Medicare Supplement Plans. The CMS Medicare Online Enrollment Center on this site allows Kansas City residents to enroll in Medicare Supplement Plans.

Starting from January 1, 2024, will introduce more savings on Medicare drug costs (Part D) for individuals with limited resources. Users can check their eligibility for the new savings directly on the site, making it a vital resource for understanding and choosing Medicare Supplement Plans.



Throughout this exploration of Medicare Supplement Plans in Kansas City, we’ve seen the array of options available, the leading providers, and the factors influencing costs. We’ve also understood the importance of assessing personal healthcare needs, comparing plan benefits and costs, and enrolling at the right time. With the help of additional resources like SHIP and, choosing the right plan becomes a less daunting task. Remember, the key to finding the right plan is to understand your healthcare needs, explore your options, and make an informed decision that suits your lifestyle and budget.

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Frequently Asked Questions

What is the most popular Medicare Supplement plan for 2025?

The most popular Medicare Supplement plan for 2025 is Medigap Plan G. It offers standardized coverage, and many carriers offer the same benefits, making it a popular choice.


Which Medicare Supplement plan has the highest level of coverage?

Plan F is the Medicare Supplement plan with the highest level of coverage, providing comprehensive coverage for deductibles, copays, and coinsurance, leaving the beneficiaries with no out-of-pocket expenses.


What is the average price of a Medicare supplemental plan?

The average monthly cost for a Medicare Supplement plan is $139, though individual plan costs vary. It’s important to consider your specific needs and compare different options to find the best plan for you.


What are the disadvantages of a Medicare Supplement plan?

The disadvantages of a Medicare Supplement plan include pricey monthly premiums, difficulty in switching once enrolled, inability to enroll after the initial period, lack of coverage for hospital deductibles and drug expenses, and exclusion of elective surgeries. It’s important to consider these factors when evaluating your healthcare options.


What are the most popular Medicare Supplement Plans in Kansas City?

In Kansas City, the most popular Medicare Supplement plans are Plan F and Plan G, offering comprehensive coverage, with Plan N also being popular for similar coverage at a lower cost.

Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about the best Medicare Supplement Plans in Kansas, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

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