Medicare Supplement Plans Kentucky 2025 – Plans & Rates

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Russell Noga
by Russell Noga | Updated April 8th, 2024

Choosing the right Medicare Supplement Plans in Kentucky for 2025 is crucial. This guide cuts through the clutter to answer your pressing questions on the latest offerings—Plans F, G, and N—eligibility changes and the key factors influencing costs. Arm yourself with the knowledge to confidently select the Medicare Supplement Plans Kentucky 2025, also known as Medigap plans, that best fits your healthcare goals.


Key Takeaways

  • Kentucky residents can opt for Medigap plans F, G, and N for supplemental Medicare coverage. The new ‘birthday rule’ enables plan switches without medical underwriting within 60 days after their birthday.
  • Medigap plans, also known as Medicare Supplement plans, are essential for beneficiaries seeking to cover the gaps in Original Medicare. These plans can significantly reduce out-of-pocket expenses such as copayments, coinsurance, and deductibles.
  • The Inflation Reduction Act introduces significant changes for Medicare Part D, including capping out-of-pocket spending, initiating federal negotiations on certain drug prices, and extending eligibility for full Part D Low-Income Subsidies.


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Understanding Medicare Supplement Plans in Kentucky for 2025

Understanding Medicare Supplement Plans in Kentucky for 2025


Medigap plans in Kentucky are like trusty companions to Original Medicare beneficiaries, filling the gaps in coverage that Original Medicare does not cover. These plans offer additional financial security and healthcare options, ensuring Kentucky residents can have peace of mind knowing unexpected healthcare expenses won’t break the bank.

Plan F and Plan G have been the crowd favorites due to their comprehensive coverage, with Plan F being available to beneficiaries who became eligible before 2020. Plan N is a close contender, offering similar coverage with some additional costs.


Types of Medigap Plans Offered

In the Bluegrass State, Medigap plans F, G, and N are popular choices among beneficiaries, each offering different levels of coverage. Plan F is like the heavyweight champion of Medigap plans, covering Part A and B co-insurance, the first three pints of blood, Part A hospice care co-insurance or copayment, skilled nursing facility care co-insurance, and the Part A deductible, along with some unique benefits that vary by plan.


Medigap Plan F: Comprehensive Benefits and Eligibility

Medigap Plan F stands out as the most comprehensive of all the Medicare Supplement Insurance plans available in Kentucky. It’s designed to leave you with minimal out-of-pocket healthcare expenses. The benefits of Plan F include coverage for:

However, eligibility for Medigap Plan F is limited. As of January 1, 2020, Plan F is no longer available to new Medicare enrollees. Only those who were eligible for Medicare before January 1, 2020, can enroll in Plan F. If you were eligible before this date but did not enroll in Medicare, you may still have the option to buy Plan F.

For those who already have Plan F, rest assured that you can keep your plan as long as you continue to pay your premiums. It’s important to note that while Plan F offers extensive coverage, it does not cover prescription drugs, vision, dental care, or hearing aids. For these services, you would need to seek additional coverage.


Medigap Plan G: Benefits and Considerations for the Best Fit

Medigap Plan G has become a prominent choice for many beneficiaries seeking comprehensive Medicare Supplement Insurance in Kentucky. This plan is often regarded as the best plan for those who became eligible for Medicare after January 1, 2020, due to its extensive coverage.

The benefits of Plan G encompass:

  • Coverage of Medicare Part A deductible and coinsurance, which includes hospitalization costs up to an additional 365 days after Medicare benefits are exhausted.
  • Full payment for Medicare Part B coinsurance or copayment, which means it covers the costs for doctor visits, outpatient therapy, and durable medical equipment.
  • Coverage of the first three pints of blood required for a medical procedure.
  • Medicare Part A hospice care coinsurance or copayment, ensuring support during difficult times.
  • Skilled nursing facility care coinsurance, which can be a significant expense without supplemental coverage.
  • Coverage for Medicare Part B excess charges, which are the costs that exceed the amounts approved by Medicare.
  • Up to 80% of foreign travel emergency health care costs (subject to plan limits), which is crucial for those who love to travel.

When comparing Plan G to Plan F, the only difference is that Plan G does not cover the Medicare Part B deductible. However, the premiums for Plan G are often lower than those for Plan F, which can result in overall cost savings for beneficiaries, especially when considering the premium savings over time compared to the one-time annual Part B deductible.

Is Plan G the best plan? It may well be for those looking for a balance between comprehensive coverage and out-of-pocket costs. While it does not cover the Part B deductible, the lower premiums could make it a more cost-effective choice for new Medicare enrollees. It’s essential to consider your healthcare needs, financial situation, and preferences when determining if Plan G is the best Medigap plan for you.


Medigap High Deductible Plan G: A Cost-Effective Option for the Budget-Conscious

Medigap High Deductible Plan G is a variant of the standard Plan G that caters to individuals who are looking for the comprehensive coverage of Medigap Plan G but at a lower monthly premium. This plan is an excellent choice for those who are generally healthy and do not expect to use healthcare services frequently but want the security of comprehensive coverage in the event of unexpected significant health expenses.

The way High Deductible Plan G works is that beneficiaries must pay for Medicare-covered costs up to the deductible amount before their Medigap plan starts paying. Once the deductible is met, the plan covers the same benefits as the standard Plan G, including:

  • Part A deductible and coinsurance, including additional hospital costs after Medicare benefits are used up
  • Part B coinsurance or copayment
  • The first three pints of blood for a medical procedure
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care coinsurance
  • Part B excess charges
  • Foreign travel emergency care (up to plan limits)

This high deductible option is particularly beneficial for beneficiaries who are comfortable with a higher out-of-pocket cost upfront in exchange for lower monthly premiums. It’s also well-suited for those who want to plan for worst-case scenarios without the higher ongoing costs associated with the standard Plan G.


Medigap Plan N: Tailored Coverage for Cost-Savvy Beneficiaries

Medigap Plan N is an excellent option for Kentucky residents who seek a balance between affordable premiums and out-of-pocket costs. This plan is particularly suitable for those who are comfortable with a modest level of cost-sharing in exchange for lower monthly premiums compared to plans F and G.

The benefits of Plan N include:

  • Medicare Part A deductible and coinsurance cover hospitalization costs for up to an additional 365 days after Medicare benefits are exhausted.
  • Medicare Part B coinsurance for doctor visits and outpatient therapy, with a small copayment for some office visits and emergency room trips that don’t result in an inpatient admission.
  • The first three pints of blood are needed for a medical procedure.
  • Coinsurance for care in a skilled nursing facility.
  • Medicare Part A hospice care coinsurance or copayment offers support during end-of-life care.
  • Up to 80% of foreign travel emergency health care costs (subject to plan limits), providing a safety net for those who enjoy traveling abroad.

Plan N is ideal for individuals who don’t frequently visit the doctor and are looking for a plan with a lower premium but still want coverage for significant hospital expenses and other services. This plan does not cover the Medicare Part B deductible or Part B excess charges, which are additional costs that may be charged by healthcare providers if they do not accept Medicare assignment.

By choosing Plan N, beneficiaries in Kentucky can enjoy substantial protection from major medical costs while keeping their monthly premiums in check. It’s a smart choice for those who are proactive about their healthcare budgeting and prefer to pay a portion of their medical costs in exchange for lower insurance costs upfront.

But the options don’t stop there; beneficiaries in Kentucky also have the following plans to choose from:

  • Plan A
  • Plan B
  • Plan C
  • Plan D
  • Plan K
  • Plan L


Eligibility and Enrollment

Age and timing play significant roles in eligibility for Medigap plans. Medicare beneficiaries are eligible for a 6-month federally mandated enrollment period for Medigap plans upon turning 65. However, some states allow insurers to charge higher premiums for enrollees under 65.

The good news is, starting January 2024, Kentucky law will prohibit Medigap insurers from using medical underwriting for applicants under age 65 during their first six months after enrolling in Medicare. This ensures guaranteed issue coverage, a significant win for Kentucky residents.

Moreover, Kentucky will introduce a new ‘birthday rule’ for Medicare beneficiaries, which is a game-changer for those looking to optimize their Medigap coverage. This rule allows beneficiaries to switch to another Medigap plan of the same letter offered by a different insurer within 60 days following their birthday each year without undergoing medical underwriting. This means that as you celebrate another year of wisdom, you also get the chance to reassess your healthcare strategy and potentially secure a better rate or superior customer service with another insurer without the fear of being denied coverage for pre-existing conditions. It’s like an annual health plan tune-up, ensuring your Medigap policy continues to meet your evolving healthcare needs and financial goals.


Comparing Costs and Benefits

When comparing Medigap plans in Kentucky, it’s essential to weigh the costs and benefits. The average monthly premiums for these plans can vary based on several factors, including age, and the manner in which premiums change over time is directly influenced by the Medigap plan pricing models in Kentucky, such as attained age, issue age, or community rating.

One crucial aspect to remember is that Medigap plans in Kentucky do not include prescription drug coverage. So, if you need coverage for prescription drugs, you will need to enroll in a separate Part D plan. This is an essential consideration when comparing the costs and benefits of various plans.



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Maximizing Your Health Insurance with Medicare Advantage Plans

If you’re looking for an alternative to Original Medicare and Medigap plans, Medicare Advantage plans might be your cup of tea. These plans are often chosen for their low or zero-cost premiums. In Kentucky, they provide coverage for the same level of care as Original Medicare and include additional benefits, which may encompass:

  • Routine exams for vision
  • Dental care
  • Hearing exams
  • Fitness club memberships
  • Prescription drug coverage

Medicare Advantage plans come in four types: HMO, PPO, PFFS, and SNP, each offering different levels of provider choice and cost structures.

What’s more, they do not discriminate based on age or health conditions, and disabled Medicare beneficiaries under age 65 are eligible to enroll.


Understanding the Difference

When we compare Medicare Advantage plans with Medigap plans, it’s like comparing apples and oranges. While both are part of the Medicare program, they are fundamentally different. Medicare Advantage plans replace Original Medicare coverage and are offered by private companies, while Medigap plans work with Original Medicare to cover out-of-pocket costs.

There are also differences in terms of provider networks, geographic limitations, and coverage renewability. For instance, Medigap plans allow beneficiaries to see any doctor who accepts Medicare without network limitation, in contrast to Medicare Advantage plans, which usually require beneficiaries to stay within their network of providers.

Unlike Medigap plans, Medicare Advantage plans may impose geographic limitations and require referrals to see specialists. As for coverage renewability, Medigap plans offer guaranteed renewability and cannot terminate coverage as long as the premiums are paid, whereas Medicare Advantage plans can make annual changes to benefits and networks or discontinue service.


Prescription Drug Coverage Options

One of the main advantages of Medicare Advantage Plans in Kentucky is that they typically include Part D coverage. This means hospital, medical, and prescription drug benefits are combined into one plan. Medicare Advantage Prescription Drug (MAPD) plans typically cover a broad range of prescription drugs, focusing on most medications in protected classes for serious conditions.

Members can refer to a formulary to understand drug coverage and costs. They also have options like obtaining a 3-month medication supply at once or using mail-order services. Beyond standard prescription coverage, some MAPD plans may include a drug benefit for prescription coverage during travel and offer programs that reduce cost-sharing and provide incentives.


How to Choose a Medicare Advantage Plan

Choosing a Medicare Advantage plan requires careful consideration of your personal healthcare needs, plan types, costs, and enrollment periods. You must also consider known medical needs, expected income and resources for retirement, and potential future healthcare needs based on family history and lifestyle.

You should also review the plan’s additional benefits, like dental, vision, and hearing coverage, to ensure they align with your personal healthcare requirements. Assess the Medicare Advantage Plan’s cost structure, including premiums, copays, and annual out-of-pocket maximums, for financial feasibility. Learn about each plan insurer’s set rules on how benefits are received, as these rules can vary significantly from Original Medicare. Remember, take advantage of the various enrollment periods and use Special Enrollment Periods to enroll in a new Medicare Advantage Plan if you experience qualifying events.


Prescription Drug Plans: Enhancing Your Medigap Coverage


Prescription Drug Plans Enhancing Your Medigap Coverage


While Medigap plans offer supplemental coverage, they lack one critical aspect – prescription drug coverage. This necessitates separate enrollment in a Medicare Part D plan for this benefit.

Standalone Medicare Part D prescription drug plans are explicitly designed to be paired with Medigap policies to provide recipients with comprehensive drug coverage.


Finding the Right Part D Plan

Finding the right Part D plan is like finding the perfect pair of shoes. It has to fit your specific needs. To find the right plan, you should compare the formularies to confirm that all of your prescription medications are covered, particularly if you use multiple or specialized drugs.

When selecting a Part D plan, it’s also essential to consider the total costs, including premiums, deductibles, copays, and coinsurance, as well as the tier placement of your medications, which impacts your out-of-pocket expenses. By using generic drugs, choosing in-network preferred pharmacies, taking advantage of mail-order services, and evaluating the cost benefits of purchasing larger supplies, you can optimize savings on prescription drugs within your Part D plan and achieve lower drug costs.


Enrollment Details for Part D

Just like Medigap plans, Part D enrollment follows specific periods and guidelines. The Initial Enrollment Period is a seven-month window around the time a beneficiary turns 65. If you fail to enroll during this period, you may face a late enrollment penalty.

You can enroll or change your Part D plan during the Annual Election Period from October 15 to December 7. Additionally, a special enrollment period allows for enrollment changes in Part D outside regularly scheduled times due to events such as loss of credible drug coverage or moving out of a plan’s service area.


Lowering Out-of-Pocket Costs with Additional Programs


Apart from Medicare Advantage and Medigap plans, there are additional programs in Kentucky that can help lower out-of-pocket costs for eligible residents. These include:

  • Offerings from Health Kentucky Inc
  • High-risk pools for individuals with pre-existing conditions
  • Various programs designed to help eligible Kentucky residents manage their healthcare and prescription drug costs effectively.



Resources and Support for Kentucky Medicare Enrollees


Resources and Support for Kentucky Medicare Enrollees


The journey through the numerous Medicare plans can be quite a maze. But worry not! Kentucky Medicare enrollees have access to various resources and support systems.

The State Health Insurance Assistance Program (SHIP) stands ready to provide free counseling services to those who need help navigating the maze of insurance company options.


Preparing for Future Healthcare Needs

As we age, our healthcare needs tend to increase. Hence, it’s crucial for Medicare enrollees to anticipate these changes and consider plans with more comprehensive health coverage and lower out-of-pocket costs. The future may be uncertain, but proper planning can help you navigate it with confidence and peace of mind.




In conclusion, navigating the Medicare plan landscape in Kentucky for 2025 involves understanding Medicare Supplement and Medicare Advantage plans, enrolling in a separate Part D plan, leveraging additional programs to lower out-of-pocket costs, and keeping abreast of changes brought by the Inflation Reduction Act. With the right resources and support, you can confidently choose the plan that best fits your needs and prepare for future healthcare needs. Remember, the best investment you can make is in your health.

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Frequently Asked Questions

What is the most popular supplement insurance with Medicare?

The most popular supplement insurance plans with Medicare are Medigap Plans F, G, and N, with Plan F being the most comprehensive option. These plans offer different levels of coverage to suit individual needs.


What is the birthday rule for Medicare Supplement in Kentucky?

In Kentucky, the birthday rule for Medicare Supplement allows you to switch to another insurer’s plan with the same benefits within 60 days of your birthday. This means you have the opportunity to change your Medicare Supplement Insurance Plan once a year.


  Can Kentucky residents under 65 enroll in Medigap plans?

Yes, Kentucky residents under 65 who are eligible for Medicare due to a disability can enroll in Medigap plans. Starting in 2024, state law prohibits Medigap insurers from using medical underwriting during the first six months after enrolling in Medicare, ensuring guaranteed issue coverage for these individuals.


  How can I lower my out-of-pocket costs for healthcare in Kentucky?

You can lower your out-of-pocket healthcare costs in Kentucky by enrolling in programs such as Medicaid, KCHIP, and Health Kentucky Inc, in addition to considering Medicare Advantage and Medigap plans. These programs offer assistance for eligible residents in reducing healthcare expenses.

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 Medicare Supplement Plans Kentucky in 2025, 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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