Medicare plays a key role in providing health and financial security to beneficiaries residing in Kansas. With more than 542,200 Kansas beneficiaries enrolled in Medicare, we’ll cover some very important information below about Medicare in Kansas. We want to help you better understand your options and make the decision-process as seamless as possible once you’re ready to enroll in Medicare or discover different coverage options.
Medicare covers most Kansas residents who are 65 or older, and it also covers disabled Kansas residents. In general, Medicare enrollment in Kansas works the same way as it does in the rest of the country. If you qualify for Original Medicare, also known as Part A and Part B, it will help cover 80% of your health care costs.
When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. If you’re eligible for Medicare when you turn 65, you can sign up during the 7-month period that:
In most cases, if you don’t sign up for Part B when you’re first eligible, you’ll have to pay a late enrollment penalty. You’ll be responsible for paying this penalty for as long as you have Part B, and you could have a gap in your health coverage.
Once you reach Medicare eligibility, you can begin choosing additional coverage options to help pay for the remaining 20% of your medical expenses through Medicare Advantage (Part C), Medigap, and/or a Medicare Prescription Drug (Part D) plan.
Original Medicare Plans
(Part A and B)
Medicare Advantage & Other Health Plans
Part D (Drug plans)
Total Medicare Beneficiaries
For more information on how you can save money on your out-of-pocket costs with a Part C, Part D, or Medigap plan, please click the plans below to learn more. Licensed agents can also answer any of your questions and help you find a plan that fits your needs, lifestyle, and budget by clicking here.
At 19%, enrollment in Medicare Advantage is lower than average in Kansas.
Medicare Advantage plans are private, Medicare-approved insurance companies. They provide all of your Original Medicare benefits and often include extra benefits such as drug, dental, and vision coverage.
The Medicare Advantage Open Enrollment Period runs from January 1 to March 31. During this period, Medicare beneficiaries in Kansas who are already enrolled in a Medicare Advantage plan can switch to a different Medicare Advantage plan or drop their Medicare Advantage plan and enroll in Original Medicare instead.
Enrollment in Medicare Advantage plans is lower than average in Kansas. As of 2019, 19% of Medicare beneficiaries in Kansas were enrolled in a Medicare Advantage plan compared to 34% of all Medicare beneficiaries nationwide. The remaining 82% of Kansas Medicare beneficiaries opted for coverage under Original Medicare instead.
As of 2020, 69 Medicare Advantage plans are available in Kansas. The average monthly Medicare Advantage premium in Kansas changed from $14.02 in 2019 to $12.31 in 2020. $0 is the lowest monthly premium for a Medicare Advantage plan in Kansas. 100% of people with Medicare have access to a Medicare Advantage plan. According to the Centers for Medicare and Medicaid Services (CMS), as of May 2020, there are 115,061 beneficiaries enrolled in Medicare Advantage and other plans in Kansas.
Disabled Medicare beneficiaries under 65 have equal access and premiums to Medigap plans in Kansas as those who are 65 and older.
Medigap plans are used to supplement Original Medicare, covering some or all of the out-of-pocket costs (for coinsurance and deductibles) that beneficiaries would otherwise incur if they only had Original Medicare on its own. Typically, Medigap plans are popular for those who want little to no copay when they access healthcare services.
Kansas Medigap insurance is available to everyone with Medicare in the state, including those who are under 65 and are enrolled in Medicare. Often, Medigap plans in Kansas can be more expensive if you don’t enroll during your Initial Enrollment Period and wait for an Annual Open Enrollment Period.
There are two initial times to enroll in a Medigap plan before and after you turn 65:
During this period, an insurance company can’t use medical underwriting.
The Kansas Insurance Department publishes a Medigap buyer’s guide, which is available here. As of 2020, there are 62 insurers offering Medigap plans in Kansas. Kansas is among the majority of the states that have rules to ensure at least some access to Medigap plans for enrollees who are under the age of 65. It’s also important to note that the consumer protections in Kansas are among the nation’s strongest. All Kansas Medicare beneficiaries, including those who gain eligibility due to a disability and those who become eligible when they turn 65, have the same guaranteed issue access to Medigap coverage.
Original Medicare doesn’t cover outpatient prescription drugs. However, Medicare beneficiaries can get prescription coverage via a Medicare Advantage plan, an employer-sponsored plan (offered by a current or former employer), or a stand-alone Part D plan. Medigap plans don’t cover prescription drugs unless they’re covered under Part B.
As of 2020, there are 296,869 Medicare beneficiaries in Kansas enrolled in Part D prescription drug plans and 102,106 enrolled in Medicare Advantage Prescription Drug plans. For 2020 coverage, there are 28, Part D plans available in Kansas, with premiums ranging from about $13 to $75 per month.
Nearly 89% of people with a stand-alone Medicare prescription drug plan have access to a plan with a lower premium than what they paid in 2019. About 21% of people with a stand-alone Medicare prescription drug plan get Extra Help (also called the low-income subsidy, or LIS).
When deciding on a Part D plan, it’s important to evaluate several factors such as each plan’s premium, formulary, and copays since every plan is different. Learn how you can save money on your out-of-pocket costs with a Medicare Advantage, Part D, or Medigap plan, fill out this form or give us a call.
Senior Health Insurance Counseling for Kansas (SHICK): SHICK is a free program offering Kansans an opportunity to talk with trained, community volunteers and get answers to questions about Medicare and other insurance issues. SHICK provides you with many resources that will help you with your questions about Medicare. SHICK has counselors throughout the state who can assist people to stay informed on changing conditions in health care insurance and to cut through the confusion.
Contact: Call 1-800-860-5260. You can also search for the nearest county office at the Kansas Commission on Aging website.
The Kansas Department of Health and Environment helps seniors determine their eligibility for Medicare and other programs and protects the rights of each consumer. Their website also includes policy memos concerning long-term care, VA benefits, and any eligibility changes as they are updated.
Contact: Call (785) 296-1500 or email [email protected]
Kansas Medicare Savings Program (MSP): MSP is a program for people who have Medicare and helps with some of the out-of-pocket expenses. This program may pay for or lower Medicare Part A, Part B, and/or Part D premiums, deductibles, and copayments (based on income). To qualify for any level of MSP, individuals must have or be eligible for Medicare Part A and have income and resources below a certain threshold. The income and resource requirements are different for each of the three Medicare Savings Programs/Levels and may change from year to year.
Contact: Call 1-800-792-4884 or download an application online and fax it to 1-844-264-6285.
Kansas Senior Medicare Patrol (SMP): SMP is a statewide project designed to reduce Medicare and Medicaid fraud, waste, or abuse. Through education, outreach, one-on-one assistance, and problem resolution, Medicare and Medicaid beneficiaries are educated and counseled on how to protect themselves and identify and report scams and healthcare fraud or abuse. The Kansas SMP trains volunteers to assist with educating consumers.
Contact: Call 1-800-432-3535.
Kansas Aging and Disability Resource Centers (ADRCs): The ADRC is a trusted source of information where people of all ages, abilities, and income levels – and their caregivers – can go to obtain assistance in planning for their future long-term service and support needs. The ADRC is designed to empower older adults and persons with disabilities to make informed choices about their services and supports. Staff at the ADRC provide objective information and assistance to help people access private or publicly funded service programs.
To locate the nearest resource center, call 1-855-200-2372 to speak to a counselor.
The licensed agents that are partnered with Timefor65 can help you compare the availability, benefits, and costs of Medicare plans in your specific region of Kansas. Our process makes it easier for you to access your Medicare eligibility in Kansas so that you receive personalized, affordable, and easy-to-use coverage options and solutions. Fill out the form or give us a call at (866) 382-1192 anytime to get a free quote or to ask any questions.
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