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Medicare Plans in Kansas in 2022

Signing up for Medicare can be confusing, especially when taking into account all of the variables that can impact your enrollment. Plan availability depends on so many factors, one of the most important being where you live. 

Being aware of your state-specific Medicare rights can help you to find the best plan options possible. That’s why it’s so important to have a good understanding of the nuances of Medicare in your state. Read on to learn more about your Medigap, Medicare Advantage, and Part D options in Kansas.

How To Apply for Medicare in Kansas

If you are a Kansas resident who is only interested in enrolling in Original Medicare, you can do so through your local Social Security office. You can sign up in-person, online, or over the phone as early as three months before your 65th birthday.  

However, if you want to enroll in a Medicare Advantage plan, Medicare Supplement Insurance, or Part D drug coverage, we recommend contacting a licensed insurance agent. They can walk you through the process and help you to find the right plan for you. 

Reach out to an experienced insurance agent here at Medicare Plans Direct today to have all of your Medicare-related questions answered.

Medicare Supplement Plans in Kansas

Which Medigap plans are available to you in Kansas will depend on a number of factors, such as which insurance company you enroll with and where you reside.

There were 253,450 Kansas residents enrolled in Medicare Supplement Insurance in 2019. This figure represented almost half (47.7%) of all Medicare enrollees in the state that year, a significantly higher percentage than the national ratio of Medicare beneficiaries enrolled in Medigap (24%). 

The most popular Medigap plans in Kansas include Plans F and G. These plans offer some of the most comprehensive coverage around.

However, beneficiaries who first became eligible for Medicare on or after January 1, 2020 will no longer be allowed to enroll in Plan C or Plan F. Plans G and N are good alternatives.

Medigap Enrollment in Kansas

If you are interested in enrolling in Medigap insurance in Kansas, the best time to do so is during your Medigap Open Enrollment Period (OEP)

This occurs when you first become eligible for Medicare and enroll in Part B, and it lasts for 6 months. During this time, you can enroll in any Medigap plan offered in your area regardless of your health history

Unless you qualify for a guaranteed issue right, you may have to undergo medical underwriting if you want to sign up for a Medigap plan after your OEP finalizes. In this case, insurance companies reserve the right to deny you coverage and/or charge you higher rates. 

Examples of guaranteed issue rights in Kansas include moving out of your Medicare Advantage plan’s coverage area, a change in retiree benefits, losing your Medicaid benefits, and losing your employer coverage. 

Additionally, when you first enroll in Medicare Supplement Insurance in Kansas, you have a “free-look” period that allows you to return your plan and get a full refund. This begins the day you get your policy and lasts for 30 days. 

Medigap in Kansas for Disability Enrollees

Federal law does not require Medicare Supplement Insurance companies to provide coverage to beneficiaries under the age of 65 who qualify for Medicare because of a disability. However, many states have implemented protections that allow these individuals to enroll in a Medigap plan, Kansas included. The state has some of the strongest Medigap protections for Medicare disability beneficiaries you can find. 

Kansas Medicare beneficiaries under the age of 65 who qualify for Medicare because of a disability are guaranteed the right to enroll in any Medicare Supplement plan they would like as long as they enroll during their Medigap OEP, or the first six months after they are enrolled in Part B. 

Plus, insurance companies must charge them the same premium rate that they would charge enrollees aged 65 and older. These individuals will have another OEP during the six months following their 65th birthday.

Medigap Premiums in Kansas

As of 2020, there were 64 insurance companies offering Medicare Supplement Insurance in Kansas. State law allows each one to decide how they set monthly premiums, and most of them offer attained-age rated policies. 

With attained-age rated policies, your monthly premium will likely increase as you get older, which is important to consider when choosing a Medigap plan. 

However, some companies offer issue-age rated plans. In this case, premiums are determined by the age you were when you enrolled in the policy. 

Though Medigap plan benefits are federally standardized, premium rates can vary significantly between insurance companies. For that reason, we always recommend consulting with a knowledgeable insurance agent before deciding on a Medicare Supplement policy to ensure that you are getting the best value plan for you.

Medicare Advantage Plans in Kansas

Another coverage option for people looking for more benefits than those offered by Original Medicare is Medicare Advantage. Also known as Part C, these plans provide the coverage that you get under Original Medicare on top of additional benefits, which can include drug coverage, hearing coverage, vision coverage, dental coverage, and more. 

Almost a quarter (24%) of Kansas Medicare beneficiaries were enrolled in a Medicare Advantage plan in 2021. In 2022, there are 88 Medicare Advantage plans available in Kansas, and all Kansas Medicare beneficiaries have access to at least one Medicare Advantage plan

However, which Medicare Advantage plans you have available to you depends on where exactly you reside, as plan availability varies significantly from county to county. For example, Kansas Medicare enrollees who live in Wyandotte County can choose between 46 Medicare Advantage plans in 2022, while residents of smaller counties like Comanche, Greeley, and Hodgeman only have 5 plans available to them. 

When it comes to monthly premiums, what you pay for your Medicare Advantage plan depends on where you live, the plan that you choose, and more. In 2022, the average Part C monthly premium in Kansas is $7.79. 100% Medicare enrollees in the state have access to at least one plan with a $0 monthly premium. 

Deciding which is the right Medicare Advantage plan for you is best done with the help of an experienced insurance agent. Here at Medicare Plans Direct we help you make the best Medicare choices possible at no extra cost to you. Reach out today to receive free Medicare advice.

Medicare Part D in Kansas

Another thing for Kansas Medicare beneficiaries to keep in mind is their Medicare prescription drug coverage options. In 2022, there are 22 stand-alone Part D drug plans available to Kansas Medicare enrollees. 

How much you will have to pay for your Part D premium depends on where you live and which insurance company you purchase your plan through. In 2022, the average Part D premium in Kansas is $43.47

You can also find drug plans with $0 deductibles, though insurance companies usually charge higher monthly premiums for these plans. In 2022, there are four no-deductible plans available to Kansas residents, and the lowest-cost stand-alone prescription drug plan with a $0 deductible has a monthly premium of $57.60.

It is typically a good idea to enroll in prescription drug coverage when you are first eligible if you foresee it being necessary in the future. If you don’t sign up for Medicare Part D when you first qualify and don’t have some other form of creditable drug coverage, you could face late enrollment penalty fees down the line.

Some Medicare Advantage plans come with coverage for your prescription drugs, but if you are enrolled in Original Medicare and/or a Medigap policy, you will need a stand-alone drug plan to cover your prescription medication costs. 

As you can see, it is important to understand the ins and outs of Medicare coverage when choosing a plan. Here at Medicare Plans Direct, we help seniors through the process of enrolling in Medicare. Reach out today for a free consultation with an experienced insurance agent.

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