Medicare Supplement Plans in Kansas
This article was updated on: 10/12/2018
If you’re on Medicare in Kansas, do you ever wish you didn’t have to pay Medicare Part A or Part B copayments or coinsurance? It may be worthwhile to look into Medicare Supplement plans in Kansas, particularly if you have high health-care costs.
What are Medicare Supplement plans in Kansas?
Medicare Supplement plans in Kansas aren’t part of the federal Medicare program – but they’re designed to help pay your Medicare out-of-pocket expenses. That is, if you’re enrolled in Medicare Part A and Part B (Original Medicare), a Medicare Supplement plan in Kansas might cover your copayments, coinsurance, or – with some plans – your Part A and/or Part B deductible.
Please note that Medicare Supplement insurance works the same way in other states.
How do Medicare Supplement plans in Kansas work?
Not all Medicare Supplement plans in Kansas cover the same out-of-pocket Medicare costs. There are 10 standardized plans, and each plan includes a different set of basic benefits. Each plan is named with a letter, such as Medicare Supplement Plan M.
Each standardized Medicare Supplement plan name in Kansas, such as Plan M, has the same basic benefits. You could buy Plan M in Wichita, Kansas City, or even in a different state, and the basic benefits will be the same. Similarly, if you buy Plan N, it will have a different set of basic benefits from Plan M or the other Medicare Supplement plans, but you can count on any Plan N to have the same basic benefits as other Plan N policies no matter where you buy it. Some plans have extra benefits beyond the basic benefits.
In any given part of Kansas, you might find some of these Medicare Supplement plans available, but not necessarily all ten. You may also find that even a plan of the same name (like Plan M) could cost more or less, depending on what insurance company you purchase it from.
What might Medicare Supplement plans in Kansas cover?
Depending on the plan name (such as Medicare Supplement Plan C), basic benefits could include Part B coinsurance/copayments, skilled nursing facility coinsurance, limited emergency medical care while traveling, Part B excess charges, and more. Read more about the standardized plans and their basic benefits in this Medicare Supplement plan comparison chart.
Do Medicare Supplement plans in Kansas cover pre-existing conditions?
The answer is “it depends.” In some situations, you have a “guaranteed-issue right” to buy a Medicare Supplement plan – that means that if you’re enrolled in Medicare Part A and Part B, an insurance company can’t reject your application for a Medicare Supplement plan, and can’t charge you more because of a pre-existing health condition.
If you apply for a Medicare Supplement plan in Kansas when you don’t have a guaranteed-issue situation, the insurance company can subject you to medical underwriting (a review of your past and current health) and can reject your application or charge you more for your health condition(s).
The good news is, you’ll likely get a guaranteed-issue Medicare Supplement enrollment period. The 6-month Medicare Supplement Open Enrollment Period begins the month when you’re at least age 65 and enrolled in Medicare Part B. That’s a time when you have guaranteed-issue rights. Read more about guaranteed-issue rights.
To view a list of plans in your area, click the Find Plans or Compare Plans buttons on this page.
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