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Kentucky Medicare Supplement Plans

HealthCare Writer

Updated on February 23rd, 2022

We aim to help you make informed healthcare decisions. While this post may contain links to lead generation forms, this won’t influence our writing. We follow strict editorial standards to give you the most accurate and unbiased information.

What You Need to Know

Original Medicare covers many of your healthcare expenses, but you’re still responsible for some costs like copayments and deductibles. Medigap policies help to cover those out-of-pocket expenses. 

You’ll need to enroll in Medicare Parts A and B to qualify for a Medigap policy. It’s easiest to sign up during your Medigap Open Enrollment Period. 

In Kentucky, you can choose from 10 Medigap policies. Two of these plans are also available with high-deductible options.

Original Medicare, which is Medicare Part A and Part B combined, covers many of your healthcare expenses. But Original Medicare doesn’t cover everything, and you’ll still be responsible for costs like copayments and deductibles.1 If you frequently use healthcare, those expenses can add up throughout the year. 

A Medigap policy, also called a Medicare Supplement plan,  provides additional coverage to help cover some of those extra fees. Your Original Medicare will pay for its portion of your healthcare costs, then your Medigap policy will contribute toward the remaining expenses. This can reduce or even eliminate your out-of-pocket costs. 

When Can You Enroll in Medigap? 

It’s easiest to enroll in Medigap during your Open Enrollment Period. This six-month period automatically starts the month you turn 65 and are enrolled in Medicare Part B.2 During your Open Enrollment Period, you can buy any Medigap policy, even if you have a preexisting health condition like COPD.

You can still buy a Medigap policy after your Open Enrollment Period has ended, but it becomes more complicated. Outside of your Open Enrollment Period, insurance companies can deny you coverage if you have a preexisting condition. Companies can also exclude that condition, or can implement a six-month waiting period before your coverage starts. 

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If you have guaranteed issue rights, you can change or enroll in Medigap outside of your Open Enrollment Period without those restrictions.3 With guaranteed issue rights, insurance companies must let you buy a policy, and they can’t deny you coverage for preexisting conditions or increase your policy cost. Certain events, like moving outside of your current Medicare Advantage plan’s service area, can qualify you for guaranteed issue rights.

Alternatively, events like losing your current insurance might qualify you for a Special Enrollment Period.4 The changes you can make to your coverage during a Special Enrollment Period will depend on your type of qualifying event.

A Word of Advice

Your Medicare Open Enrollment period starts the month you turn 65 and lasts for 6 months. You’ll want to opt for a Medigap policy during this time for the greatest flexibility.

Plan TypeTotal Enrolled (Rounded)Percent of Total Enrolled
Plan F123,00053%
Plan G58,00025%
Plan N23,000
10%
Source: The State of Medicare Supplement Coverage. ahip.org. Accessed on December 04, 2021.

In Kentucky, you can choose from 10 Medigap plans.5 Plan F and Plan G also have high-deductible options. While coverage varies from one plan to another, Plans F, G, and N tend to be popular. However, it’s important to review each plan’s coverage to find the best plan for your needs. Note: Plan F is not available if you are eligible for Medicare after January 1, 2020. 

Plan F 

Plan F offers the most comprehensive coverage and includes: 

Plan G

Plan G offers the same coverage as Plan F, minus the Part B deductible: 

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance
  • Blood (first 3 pints)
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Part B excess charges
  • Foreign travel emergency – 80% 

Plan N

Plan N offers coverage similar to Plan F, but it excludes the Part B deductible and Part B excess charges: 

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance
  • Blood (first 3 pints)
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Foreign travel emergency – 80%

How to Choose a Medicare Supplement Plan

Coverage varies between each Medigap plan. When choosing the plan that’s right for you, think about the types of healthcare expenses you have most often and look for a plan that covers those costs. You’ll also want to choose a plan with a premium that you can comfortably afford. You can use a third-party comparison tool like MedicareGuide.com to easily see the differences between policies.

A Word of Advice

The most popular plans might not necessarily be the best for you. Consider your most common healthcare expenses and look for a plan that covers those costs.

How Much Do Medigap Policies Cost? 

Every Medigap plan varies in both cost and coverage. The following prices reflect quotes for both a 65-year-old female and male nonsmoker in Kentucky. 

65-Year-Old Woman, No Tobacco Use

Plan TypePremium Range
Plan F$112-$444
Plan G$97-$355
Plan N$73-$310
Source: Supplement Insurance (Medigap) plans in Kentucky. medicare.gov. Accessed December 4, 2021.

65-Year-Old Man, No Tobacco Use

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Plan TypePremium Range
Plan F$129-$510
Plan G$111-$406
Plan N$83-$351
Source: Supplement Insurance (Medigap) plans in Kentucky. medicare.gov. Accessed December 4, 2021.

What Companies Sell Medigap in Kentucky?

AARP – UnitedHealthcare Insurance Company
Accendo Insurance Company
Aetna Health and Life Insurance Company
American Benefit Life Insurance Company
American Financial Security Life Insurance Company
American Retirement Life Insurance Company
Anthem Blue Cross Blue Shield
Assured Life Association
Atlantic Coast Life Insurance Company
Bankers Fidelity Assurance Company
CSI Life Insurance Company
Capitol Life Insurance Company
Cigna Health & Life Insurance Company
Colonial Penn Life Insurance Company
Combined Insurance Company of America
Erie Family Life Insurance Company
Federal Life Insurance Company
GPM Health and Life Insurance Company
Garden State Life Insurance Company
Globe Life and Accident Insurance Company
Great Southern Life Insurance Company
Guarantee Trust Life Insurance Company
Heartland National Life Insurance Company
Humana Achieve
Independence American Insurance Company
Lumico Life Insurance Company
Magna Insurance Company
Manhattan Life Assurance Company
Medico Insurance Company
Mutual of Omaha
Nassau Life Insurance Company
National Guardian Life Insurance Company
National Health Insurance Company
Pan-American Life Insurance Company
Pekin Life Insurance Company
Puritan Life Insurance Company of America
SBLI USA Life Insurance Company, Inc
Sentinel Security Life Insurance Company
Southern Guaranty Insurance Company
State Farm Mutual Automobile Insurance Company
Transamerica Life Insurance Company
USAA Life Insurance Company
Union Security Insurance Company
United American Insurance Company
United Commercial Travelers of America
United Insurance Company of America
United States Fire Insurance Company

What If You Want to Change Your Medigap Policy? 

Outside of your Open Enrollment Period, guaranteed issue rights, or Special Enrollment Period, your opportunities to change your Medigap policy are limited. It’s important to carefully research each policy and choose the plan that’s right for your needs so that you won’t have to try changing it later. 

What Are Alternatives to Medicare Supplement? 

A Medicare Advantage plan might be a good option if a Medigap policy isn’t right for you. Medicare Advantage plans help to cover some of the costs you’re responsible for with Medicare Part A and Part B.6 Some of these plans even offer prescription expense coverage.

What Are Medicare Resources in Kentucky? 

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Considering a Medicare Plan?

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Considering a Medicare Plan?

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Next Steps

Medicare covers many of your healthcare costs, but you’ll still have out-of-pocket expenses that can add up. With the right Medigap policy, you can reduce or eliminate those costs. To learn more, check out How to Choose a Medicare Supplement Plan.



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  1. Medicare.gov. “What’s Medicare Supplement Insurance (Medigap)?” medicare.gov. (accessed October 31, 2020).

  2. Medicare.gov. Medicare. “When Can I Buy Medigap?” medicare.gov. (accessed October 31, 2020).

  3. Medicare.gov. “Guaranteed Issue Rights.” medicare.gov. (accessed October 31, 2020).

  4. Medicare.gov. “Special Circumstances (Special Enrollment Periods).” medicare.gov. (accessed October 31, 2020).

  5. Medicare.gov. “Benefits Offered by Each Medigap Plan.” medicare.gov. (accessed October 31, 2020).

  6. Medicare.gov. “Medicare Advantage Plans.” medicare.gov (accessed October 31, 2020).