Kentucky Medicare Plans

Kentucky Medicare plans are similar to those in most other states. Original Medicare leaves a significant portion of healthcare costs uncovered, making Medicare Supplements and Medicare Advantage plans essential to fill those gaps.

Medicare Supplement plans help cover deductibles, copays, coinsurance, and other expenses that Original Medicare doesn’t, potentially saving you thousands. They also allow you the flexibility to see any doctor who accepts Medicare. Medicare Advantage plans provide similar coverage to Original Medicare, but with added benefits such as prescription drug coverage, and in some cases, they don’t require an additional premium.

Kentucky Medicare plans open enrollment

Medicare beneficiaries in Kentucky become eligible for Medicare at age 65. The initial enrollment period starts three months before your birth month and continues for three months after. During this period, you can also apply for Medicare Supplement plans.

While you can enroll in a Supplement plan at any time, the initial enrollment period is the best opportunity to do so, as you cannot be denied coverage based on your health.

Medigap Plans

Medicare Supplement plans in Kentucky help cover some or all of the deductibles and coinsurance not covered by Original Medicare.

This can save you thousands of dollars, as Medicare only pays for about 80% of outpatient expenses. Additionally, Original Medicare has no limits on out-of-pocket costs. A Supplement plan places a cap on your out-of-pocket spending.

One of the main benefits is that you’re not restricted to any networks, so you can visit any doctor who accepts Medicare.

There are 10 standardized plans, labeled A through N. All plans with the same letter offer the same coverage, with the only difference being price. Be sure to compare plans, or let us handle the shopping for you to save both time and money!

After 2019, new Medicare enrollees in Kentucky will no longer be able to choose Medigap Plans C or F. However, those already enrolled in these plans can keep them.

Because these plans are standardized by the federal government, the only difference is price. Be sure to have someone compare policies to ensure you're getting the best deal.

Medicare Advantage plans

Kentucky offers up to 26 Medicare Advantage plans, depending on your county. Also referred to as Medicare Part C, these private plans provide all the benefits of Original Medicare, along with additional coverage such as dental, prescription drugs, and vision care.

Medicare Part D

Original Medicare and Medicare Supplement plans do not include prescription drug coverage, but you can enroll in Medicare Part D for this benefit. In 2019, Kentucky offered 28 Part D plans. To avoid paying out-of-pocket for prescriptions, consider enrolling in a standalone Part D plan or a Medicare Advantage plan that includes drug coverage.

KENTUCKY MEDICARE PART D PLANS

How we can help

Our licensed Medicare plan specialists are here to assist you at no cost. We take pride in helping you find a plan that suits your needs. Since Medicare Supplement plans are required by law to offer standardized coverage, the only difference between plans is the price. We'll compare policies to ensure you get the best rate.

Take advantage of our free assistance and feel confident that you're getting the best value for your healthcare coverage.

Want more help understanding

KENTUCKY MEDICARE PLANS

We’re here to help you better understand your Medicare benefits, including Medicare supplements, Medicare Advantage plans, and prescription drug coverage. Learning about these options can help you lower your out-of-pocket healthcare costs that Medicare doesn’t cover.

To make things easier, we’ve put together a comprehensive library of resources for you to explore. When you’re ready, give us a call, and one of our licensed agents will discuss your specific needs, compare available plans in your area, and guide you toward the best choice.

If you decide to enroll through us, our support doesn’t stop there. We’ll continue assisting you throughout your Medicare journey—reviewing your plans each year to ensure they remain the best fit and answering any questions you may have along the way.

We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area, and any information we provide is limited to those plans we do offer in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all your options.

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