Overall, we found that UnitedHealthcare has the best Medicare supplement plans in the state with rates that are 13% below average for the most popular plan in the nation (Plan G). However, you should also look into Anthem and Cigna as well for affordable plans since pricing differs widely by policy letter.
Best Medicare Supplement Plans in Kentucky
Updated: May 28, 2025
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Key Takeaways
UnitedHealthcare offers the best and cheapest Medicare supplement plans for the most popular policy in the state, Plan G for $125 per month.
Medicare supplement plans can cost in Kentucky anywhere from $55 to $196 per month on average depending on your policy selection.
To find the plan you need, check plan availability, restrictions and benefits and compare quotes from multiple companies.
Who Are the Best Cheap Medicare Supplement Plan Companies in Kentucky?
| UnitedHealthcare | $125 | $1,500 |
| Anthem | $130 | $1,562 |
| Cigna | $153 | $1,838 |
| Aetna | $163 | $1,961 |
*Pricing shown is for Medicare supplement Plan G for 65-year-olds.
Compare Personalized Best Cheap Medicare Supplement Companies in Kentucky
We've highlighted top companies for popular plans nationwide. Your needs might vary, so explore our filterable table to find affordable options tailored for you.
Data filtered by:Results filtered by:
Select
Plan Letter:A
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Age:65
| Aetna | $162 | $1,945 |
| Anthem | $187 | $2,242 |
| Cigna | $161 | $1,927 |
| UnitedHealthcare | $78 | $934 |
Kentucky Medicare Supplement Plan Cost
The typical Medicare supplement plan, Plan G, costs around $143 monthly or $1,715 per year on average in Kentucky. However, your rates can vary widely being anywhere from $55 to $196 monthly depending on the provider and plan you select.
| A | $147 | $203 |
| B | $160 | $244 |
| C | $196 | $307 |
| F | $154 | $235 |
| G | $143 | $206 |
| K | $55 | $99 |
| L | $106 | $190 |
| N | $122 | $176 |
Kentucky Medicare Supplement Coverage Guide
With many plan options to choose from and many considerations to make, it can be especially hard to decide what Medicare supplement policy is best and which company to choose. So, we've created a comprehensive guide detailing what coverage is available, how to choose which plan you need and how to get the best cheap company for you.
Kentucky Medicare Supplement Plan Comparison Chart
All Medicare supplement plans, regardless of your state have standardized coverages. Below we've summarized what each plan letter for Medicare supplement, or Medigap, covers:
Plan Letter | Co-Insurance and Copayment Coverage | Deductibles and Other Coverages |
|---|---|---|
A |
|
|
B |
|
|
C |
|
|
D |
|
|
F |
|
|
G |
|
|
K |
|
|
L |
|
|
M |
|
|
N |
|
|
How to Decide Which Medicare Supplement Plan You Need
Choosing a Medicare supplement plan largely depends on your eligibility, financial situation, age, condition and lifestyle. Here's a quick guide to help you consider these factors.
Eligibility
New enrollees can access all plans except C or F. Those eligible for Medicare before 2020 can choose from all 10 plans available.
Age, Condition and Lifestyle
Determine your coverage needs by considering your age, health conditions, and lifestyle. Assess the likelihood of using different coverage options and consult professionals to make an informed choice.
Financial Status
Your ability to afford insurance is crucial. Find plans that match your risk profile and are within your budget.
How to Find the Best Kentucky Medicare Supplement Company
Once you've decided what plan is right for you, it's time to compare companies. Below, we have detailed the key things to look for in a Medicare supplement provider in Kentucky. Look for competitive pricing, evaluate customer service ratings, consider the range of plans offered and check the provider's financial stability. Additionally, the provider's reputation should be reviewed through customer feedback.
- 1
Evaluate Customer Satisfaction and Complaints
Investigating customer satisfaction is crucial for choosing the right Medicare Supplement provider. Resources like J.D. Power and the NAIC help you assess which company excels in customer service. This step can potentially help you save money by avoiding companies with high complaint rates.
- 2
Compare Plan Pricing
While affordability is important, make sure you're comparing plans comprehensively. Look at both cost and customer service quality. This helps find options that are not just the cheapest but also offer the most value overall. Balancing cost and coverage ensures you get your money's worth.
- 3
Utilize Added Benefits
Explore any additional perks your insurer may provide. These can include discounts on other products, gym memberships, or rewards programs. Such benefits can add significant value and make a policy more cost-effective in the long run.
Best Medigap Plans in Kentucky: Bottom Line
Our top three picks for Kentucky's best Medicare supplement insuranceare UnitedHealthcare, Anthem and Cigna. However, to find the right plan for you, we recommend researching companies and comparing their reputations, benefits and pricing.
Medicare Supplement Plans in Kentucky: FAQ
Here's our team's expert answers to common questions about Medicare Supplement plans in Kentucky.
What is the best Medicare supplement provider in Kentucky?
For the most popular Medigap plan in Kentucky, the best health insurance provider is UnitedHealthcare. The provider offers pricing that is 12.6% lower than the state average, making them the most affordable company in the state.
What is the cost of Medicare supplement plans in Kentucky?
Depending on your plan selection, pricing for Medicare Supplement plans in Kentucky can range anywhere from $656 to $3,679 per year. For the most popular plan in the state, Plan G, average costs can range anywhere from $1,715 to $2,474 per year.
How We Decided the Best Medicare Supplement Companies in Kentucky
MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Kentucky for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online. We assumed Medicare supplement Plan G which is the most popular plan nationwide to determine the best and most affordable provider.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.