Best Medicare Supplement Plans in Kansas (2026)

Plan G averages $201 per month in Kansas for a 65-year-old. That puts the state in the middle of the national Medigap pricing range. Every Kansas plan type is standardized by federal law, so Plan G from any insurer covers exactly the same gaps. All five providers on this page use Attained Age Pricing, so your premium rises every year as you get older. That long-term trajectory matters as much as the rate you'll see at 65. Farm Bureau Insurance is a regional carrier, not a national brand. When we pulled 2026 Kansas rates from Medicare.gov, it led on four of the 10 standardized plan types.

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

Farm Bureau's pricing advantage is largest on Plan N, where it is $57 below the state average, a wider margin than its Plan G lead of $60. 

Blue Cross Blue Shield's Plans K and L are the only options in this table where a lower premium reflects reduced coverage rather than a pricing edge on identical benefits. Those plans cover 50% and 75% of most Medicare cost-sharing rather than the full amount, so the lower rate comes with more out-of-pocket exposure when you use care.

At $141 per month, it's $60 below the state average for the same standardized coverage. For beneficiaries with ongoing prescriptions or regular specialist visits, the predictability of near-zero cost-sharing is worth more than the premium difference.

Plan N is the better call if you're in good health and see a doctor a few times a year. You'll pay $41 less per month than the Plan G state average, $160 versus $201, which saves $492 per year. The trade-off is copays of up to $20 per office visit and up to $50 for an emergency room visit that doesn't result in an admission. At five or six doctor visits a year, that's $100 to $120 in annual copays, well below the $492 in premium savings.

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

Medicare Supplement insurance in Kansas ranges from $98 to $293 per month for 65-year-olds, depending on plan type. Plan K is the lowest-cost option at $98 per month; Plan C is the highest at $293 per month.

Plan G averages $201 per month and covers nearly all Medicare cost-sharing gaps except the Part B deductible. Plan N averages $160 per month and provides broad coverage with modest copays. Plan M averages $136 per month, Plan L averages $158 per month and Plan A averages $184 per month.

The $41 monthly gap between Plan N ($160) and Plan G ($201), both plans cover the same hospital costs but differ on outpatient copays. Whether the $492 annual premium difference outweighs Plan N's copay exposure depends on how often you use care.

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.

Learn More: What Does Medicare Cover and Not Cover?

Plan type determines what your coverage includes. The insurer behind that coverage determines how smoothly claims are handled. Kansas residents should weigh these three factors before selecting a provider.

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.

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

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 pricing approaches: Community Pricing (score: 1.0), Issue-Age Pricing (score: 0.8) and Attained Age Pricing (score: 0.6). A higher-cost community-rated plan can still outscore a cheaper attained-age plan on this dimension.
• 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.