Medicare Supplement Plans in Kentucky

Jory Cross by Jory Cross | Licensed since 2012

This article was updated on: 10/12/2018

Are your health-care costs under Medicare piling up? Medicare Supplement plans in Kentucky may help with Original Medicare’s out-of-pocket costs.

What are Medicare Supplement plans in Kentucky: an overview

If you’re on Medicare in Kentucky, you probably already know that Original Medicare (Part A and Part B) comes with some expenses that you must pay. If you often have to see doctors – or if you’re at risk of some long hospital stays – those costs can be hard on your budget. Original Medicare has no out-of-pocket spending limit, so you could end up facing huge medical bills in such cases. That’s where a Medicare Supplement plan in Kentucky could save you money.

Medicare Supplement plans in Kentucky: how do they work?

Medicare Supplement plans in Kentucky are meant to help pay for specific Part A and Part B out-of-pocket costs. Copayments, coinsurance, and deductibles just a few examples. However, it’s important to know that some Medicare Supplement plans have different benefits. Here’s how that works.

There are up to 10 standardized Medicare Supplement plans available in Kentucky. Each of the 10 plans has its own name: Medicare Supplement Plan A, Plan B, Plan C, and so on (up to Plan N).

Each Medicare Supplement plan in Kentucky has a unique set of basic benefits– for example, not every plan covers deductibles. But there’s some overlap between the plans, and some plans may pay all of a specific type of Medicare cost, while others may pay just part of that cost.

To give you some idea: most Medicare Supplement plans in Kentucky generally cover 100% of your Medicare Part B coinsurance amount, but Medicare Supplement Plan K covers just 50% of this cost. On the other hand, Plan K has an out-of-pocket spending maximum – if you spend this amount on approved health-care costs during the year, Plan K typically pays for all of your covered medical services for the rest of the year.

You pay a monthly premium for any Medicare Supplement plan in Kentucky, so you’ll need to figure out whether this type of plan could save you money – and if so, which Medicare Supplement plan in Kentucky may fit your needs. Generally, plans that don’t cover as many Medicare costs have lower premiums.

Any specific Medicare Supplements plan in Kentucky has the same basic benefits no matter where you buy the plan. If you buy Plan K from any insurance company in Louisville, for instance, you can expect it to have the same basic benefits no matter who you buy it from. (Some plans might offer extra benefits, but the basic benefits are standardized.)

Medicare Supplement plans in Kentucky (and nationwide) are sold by private insurance companies. So, premiums may vary, even for the same plan. For example, if you compare prices, you might find two or more companies in your area that sell Plan K, but at different costs. You may want to compare prices before you buy. You can get started by typing your ZIP code into the box on this page.

Please note that standardized Medicare Supplement plans work the same in the 47 states where they’re sold. Wisconsin, Massachusetts, and Minnesota have their own standardized Medicare Supplement plans.

Medicare Supplement plans in Kentucky: what might they cover?

All Medicare Supplement plans in Kentucky typically cover at least part of certain Part A and Part B out-of-pocket costs:

  • Medicare Part B coinsurance or copayment
  • Medicare Part A hospital costs for up to 365 days after your Medicare benefits run out
  • Part A hospice care coinsurance or copayment
  • The first three pints of blood if needed for a procedure

You can check this Medicare Supplement plan comparison chart to learn more.

Medicare Supplement plan in Kentucky: does it matter when you decide to buy one?

Yes, it can make a difference in some cases. Usually the Medicare Supplement Open Enrollment Period (OEP) is a good time to buy a plan. If you buy after this window of opportunity, it’s possible you could pay more for your policy or even be rejected. Read about the .

The product and service descriptions, if any, provided on these Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

Jory Cross |
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