Best Medicare Supplement Plans in Kansas (2026)

Key Takeaways

Plans A, D, G and N from Farm Bureau Insurance offer the cheapest Medicare Supplement rates among Kansas's most popular policies, saving beneficiaries $57 to $79 monthly compared to state averages.

For Plans B, C, F, K, L and M in Kansas, Aetna, New Era, Wellcare and Blue Cross Blue Shield provide the most affordable options.

At age 65, Kansas residents pay $36 to $434 monthly for Medicare Supplement coverage depending on which plan type they choose.

Best Cheap Medicare Supplement Companies in Kansas

Our analysis of Medicare Supplement providers in Kansas found competitive options across 10 standardized plan types, with monthly premiums ranging from $85 to $199 for seniors aged 65. These affordable Medigap plans provide strong coverage.

Farm Bureau Insurance leads with the best rates across four popular plans: Plan N at $103 per month, Plan A at $115 monthly, Plan D at $135 per month and Plan G at $141 monthly. Aetna offers Plan B, New Era provides Plans C and M, and Wellcare handles Plan F with competitive pricing. Blue Cross Blue Shield rounds out the options with Plans K and L coverage. These low-cost choices save Kansas seniors $13 to $103 per month compared to average state rates.


Farm Bureau Insurance	A	$115	$69	Attained Age Pricing
Aetna	B	$199	$61	Attained Age Pricing
New Era	C	$190	$103	Attained Age Pricing
Farm Bureau Insurance	D	$135	$79	Attained Age Pricing
Wellcare	F	$185	$96	Attained Age Pricing
Farm Bureau Insurance	G	$141	$60	Attained Age Pricing
Blue Cross Blue Shield	K	$85	$13	Attained Age Pricing
Blue Cross Blue Shield	L	$125	$33	Attained Age Pricing
New Era	M	$107	$29	Attained Age Pricing
Farm Bureau Insurance	N	$103	$57	Attained Age Pricing

*These rates reflect Medigap premiums for 65-year-olds.

Farm Bureau

MoneyGeek Rating

4.0/ 5

4.9/5Affordability

3.6/5Pricing Style

2.7/5Plan Availability

Average Plan G Rate
$141
Plan Types
A, D, G, N

pros
- Best Plan A rates in Kansas ($115/month)
- Best Plan D rates in Kansas ($135/month)
- Best Plan N rates in Kansas ($103/month)
cons
- Doesn't offer Plans B, C, F, K, L or M
- Attained Age Pricing means your premiums increase with age
- No cost-sharing plans (K, L)
Farm Bureau Insurance holds the top position for Plan N at just $103 monthly, saving seniors $57 compared to other options, while their Plan D costs $135 per month with $79 in savings. The insurer also offers strong value on Plan A at $115 monthly and Plan G at $141 monthly, giving Kansas seniors four affordable plan choices.

Premiums increase with age (Attained Age Pricing), which means costs rise annually as you get older. Farm Bureau Insurance has a strong financial strength rating.

Aetna Medicare

MoneyGeek Rating

4.3/ 5

4.9/5Affordability

3.9/5Pricing Style

3.3/5Plan Availability

Average Plan G Rate
$195
Plan Types
A, B, F, G, N

pros
- Best Plan B rates in Kansas ($199/month)
- Wide range of plan options available
- Strong financial stability
cons
- Attained Age Pricing means premiums increase with age
- Doesn't offer cost-sharing plans (K or L) or high-value Plan M
Aetna provides five plan types with competitive positioning in key areas. The company ranks first for Plan B at $199 monthly, saving Kansas seniors $61 compared to the state average and providing strong value for this mid-tier coverage option. Aetna offers Plans A, B, F, G and N with premiums ranging from $52 to $273.

Aetna uses Attained Age Pricing and holds an AM Best rating of A (Excellent), indicating strong financial stability and reliability for long-term coverage needs.

New Era

MoneyGeek Rating

4.3/ 5

4.7/5Affordability

4.1/5Pricing Style

3.5/5Plan Availability

Average Plan G Rate
$185
Plan Types
A, C, F, G, M, N

pros
- Best Plan C rates in Kansas ($190/month)
- Best Plan M rates in Kansas ($107/month)
- Six plan types including less common but valuable options (M, C)
- Strong financial stability with good ratings
cons
- Doesn't offer cost-sharing plans (K, L) or Plans B and D
- Attained Age Pricing means your premiums increase with age
- No high-deductible Plan G option
New Era focuses on comprehensive coverage options. The insurer ranks first for Plan M at just $107 monthly, saving seniors $29 compared to state averages, while also offering competitive Plan C coverage at $190 per month with $103 in savings. New Era offers six plan types, including A, C, F, G, M, and N, with premiums ranging from $36 to $320 per month, depending on your coverage needs.

New Era offers customizable plan options that allow seniors to tailor coverage to their specific health care needs rather than settling for one-size-fits-all policies. New Era holds an AM Best rating of A- (Excellent).

WellCare

MoneyGeek Rating

4.2/ 5

4.8/5Affordability

3.9/5Pricing Style

3.3/5Plan Availability

Average Plan G Rate
$160
Plan Types
A, F, G, N

pros
- Best Plan F rates in Kansas ($185/month)
- Four popular plan types available (A, F, G, N)
- Strong financial stability with good ratings
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer cost-sharing plans (K or L) or high-value Plan M
- No high-deductible Plan G option
Wellcare focuses on serving seniors and individuals with special needs through Medicare Advantage and Medicare Supplement plans. The company offers four plan types, including A, F, G, and N, with Plan F leading the competitive pricing at just $185 per month and saving Kansas residents $96 compared to other options.

Wellcare's premiums range from $120 to $230 across their available plans, providing multiple coverage levels for different budgets and health care needs. Wellcare offers a range of wellness programs and member support services designed to help seniors stay healthy.

Blue Cross Blue Shield

MoneyGeek Rating

4.1/ 5

4.9/5Affordability

3.7/5Pricing Style

2.9/5Plan Availability

Average Plan G Rate
$193
Plan Types
A, F, G, K, L, N

pros
- Best rates for cost-sharing Plans K and L
- Plan K available for just $85 per month
- Strong financial stability with wide provider network
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer Plans B, C, D or M
- Higher premiums compared to some competitors
Blue Cross Blue Shield brings national brand recognition and network strength to Kansas's Medicare Supplement market. The company offers competitive rates on cost-sharing plans, with Plan K at just $85 monthly and Plan L at $125 monthly, saving Kansas seniors $13 and $33, respectively, compared to state averages. BCBS provides six plan types, including A, F, G, K, L and N, with premiums ranging from $56 to $307 for different coverage levels.

It offers access to a wide range of health care services and specialists across Kansas and nationwide. BCBS companies generally hold strong financial ratings.

Find Kansas Medicare Supplement Plans That Fit Your Needs

The table below lets you filter companies by plan type and coverage options that match your specific situation in Kansas.

Data filtered by:


Farm Bureau Insurance	G	No	65	$141	$0	No Data
Old Surety	G	No	65	$155	$0	No Data
Wellcare	G	No	65	$160	$0	No Data
MedMutual Protect	G	No	65	$163	$0	No Data
Atlantic Capital	G	No	65	$165	$0	No Data
LifeShield National	G	No	65	$170	$0	No Data
AFLAC	G	No	65	$173	$0	No Data
Nassau	G	No	65	$174	$0	No Data
State Farm	G	No	65	$178	$0	No Data
American Benefit	G	No	65	$182	$0	No Data

Kansas Medicare Supplement Plan Cost

For 65-year-olds in Kansas, Medicare Supplement insurance costs range from $98 to $293 monthly depending on plan type. The Sunflower State offers significant variation in premiums based on which coverage level you choose.

Plan K provides the most affordable entry point at $98 monthly, while Plan C tops the cost spectrum at $293 each month. The state's most popular choice, Plan G, runs $201 monthly and offers comprehensive benefits at a reasonable mid-range price. Seniors wanting strong protection with lower premiums often choose Plan N at $160 monthly. Additional budget-conscious options include Plan M at $136, Plan L at $158 and Plan A at $184 per month.


A	$184	$2,208
B	$260	$3,120
C	$293	$3,516
D	$214	$2,568
F	$281	$3,372
G	$201	$2,412
K	$98	$1,176
L	$158	$1,896
M	$136	$1,632
N	$160	$1,920

How to Choose the Best Kansas Medicare Supplement Plan

Plan G offers identical benefits whether you buy it from one company or another because Medicare Supplement plans in Kansas are standardized by federal law. Companies compete mainly on price for this identical coverage.

Most Comprehensive Coverage

Plan G: Similar to Plan F, covers everything except the Part B deductible.
Plan F: Covers all gaps, including Part B deductible and excess charges (not available for new enrollees since 2020).

Best Value Options

Plan D: Strong coverage without Part B deductible or excess charges.
Plan N: Extensive benefits with minor copays and lower premiums.

Budget-Friendly Choices

Plan M: Covers 50% of Part A deductible with moderate premiums.
Plan K: Most affordable premiums with 50% cost-sharing and an out-of-pocket limit of $8,000.
Plan L: Comparable to Plan K with 75% cost-sharing and a lower out-of-pocket limit of $4,000.

Premium Coverage

Plan C: Offers Part B deductible and foreign travel emergency coverage (closed to new members since 2020).

Learn More: What Does Medicare Cover and Not Cover?

How to Find the Best Kansas Medicare Supplement Company

Your plan type is just half the equation. The insurer backing that coverage determines whether you'll get hassle-free claims or constant frustration. Kansas residents should weigh these three elements before selecting a provider.

1
Customer satisfaction and complaints
Companies may have complaints about service, so these ratings help you identify trustworthy options. Examine customer feedback from J.D. Power and the NAIC to find reliable Medicare Supplement providers in Kansas cities like Topeka and Wichita.
2
Plan pricing
Identical plans cost different amounts across insurers throughout Kansas counties like Johnson and Sedgwick. Do side-by-side comparisons to find the best value without sacrificing coverage quality or service standards for your Medicare Supplement needs.
3
Added benefits
Insurers may provide discounts on other services like gym memberships in areas such as Overland Park. These perks add value to your coverage across different policy types, including Medigap plans available to Kansas residents.

Kansas Medicare Resources

Kansas residents who want Medicare Supplement information can turn to these local and statewide organizations:

Senior Health Insurance Counseling for Kansas (SHICK): Trained community volunteers answer Medicare questions through Kansas's State Health Insurance Assistance Program. SHICK counselors work one-on-one with beneficiaries to compare plan options, review prescription drug coverage, and screen for low-income assistance programs like Part D Extra Help and Medicare Savings Programs. All counseling is free, unbiased, and confidential. Call 1-800-860-5260.
Kansas Insurance Department: The Consumer Assistance Division investigates complaints against insurance companies, agents, and agencies operating in Kansas. File complaints online about claim denials, billing disputes, policy cancellations, or premium issues. Kansas residents call (800) 432-2484. Out-of-state callers use (785) 296-7829. The department also publishes a free online Medicare Supplement rate comparison tool showing current premium estimates by plan and company.
Kansas Area Agencies on Aging: Eleven regional planning and service areas across Kansas run programs for adults age 60 and older. Each Area Agency works with the Kansas Department for Aging and Disability Services to manage meal programs, in-home services, caregiver support, legal assistance, and wellness programs. Find your local agency through the KDADS website or call 1-800-860-5260 to reach the agency serving your county.
Medicare.gov: The federal Medicare website lets you search plans by ZIP code, compare premiums and coverage details for Medicare Supplement policies sold in Kansas, and check insurer star ratings.

Medicare Supplement Plans in Kansas: FAQ

Below are answers to common questions about Medigap coverage for Kansas residents.

What does Medigap cover in Kansas?

Medigap fills gaps in Original Medicare by covering Part A and Part B deductibles, coinsurance, copayments, and the first three pints of blood. Certain plans also handle Part B excess charges, skilled nursing facility coinsurance and foreign travel emergencies. But Medigap excludes prescription drugs, dental, vision and long-term care services.

Are Medicare Supplement plans worth it?

Supplement plans benefit seniors who want stable costs and the freedom to visit any Medicare-accepting provider nationwide. They're valuable for those with ongoing health care needs, chronic conditions, or limited savings for unexpected medical bills. But healthy individuals with strong financial reserves might find Original Medicare's lower premiums more suitable for their situation.

When can I enroll in Medigap plans in Kansas?

You can enroll in Medigap plans anytime in Kansas, but the optimal enrollment window is your six-month Open Enrollment Period. This initial enrollment period begins when you turn 65 and enroll in Medicare Part B. During this timeframe, insurers must accept you regardless of health conditions and can't charge higher premiums for pre-existing medical issues.

Can I switch from Medicare Advantage to Medigap in Kansas?

Yes, you can switch from Medicare Advantage to Medigap in Kansas, though insurers will evaluate your health and may deny coverage or charge higher premiums based on medical conditions. Your best opportunity is during the Medigap Open Enrollment Period when you turn 65, as you have guaranteed coverage rights.

Our Review Methodology

MoneyGeek collected data for all Medicare plans in Kansas for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Kansas based on three main categories to create a weighted score out of 5:

Affordability (50%): Providers with the lowest monthly cost score higher.
Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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Best Medicare Supplement Plans in Kansas (2026)

Best Cheap Medicare Supplement Companies in Kansas

Find Kansas Medicare Supplement Plans That Fit Your Needs

Kansas Medicare Supplement Plan Cost

How to Choose the Best Kansas Medicare Supplement Plan

How to Find the Best Kansas Medicare Supplement Company

Kansas Medicare Resources

Medicare Supplement Plans in Kansas: FAQ

What does Medigap cover in Kansas?

Are Medicare Supplement plans worth it?

When can I enroll in Medigap plans in Kansas?

Can I switch from Medicare Advantage to Medigap in Kansas?

Our Review Methodology

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