LifeShield National charges the lowest rates in Kentucky: $148 monthly for Plan G, $110 monthly for Plan N and $181 monthly for Plan F. Your premium varies by your current age, which plan letter you choose and your insurer's pricing method.
Best Medicare Supplement Plans in Kentucky (2026)
Updated: January 16, 2026
Advertising & Editorial Disclosure
Key Takeaways
LifeShield National offers Kentucky's cheapest Plan G, Plan N and Plan F rates.
Kentucky's Medicare Supplement premiums range from $47 to $446 monthly.
Compare quotes from multiple insurers and check plan availability, restrictions and benefits to find your best option.
Best Medicare Supplement Plans in Kentucky
| USAA | A | $123 | $58 | Attained Age Pricing |
| Transamerica | B | $202 | $67 | Issue Age Pricing |
| Transamerica | C | $239 | $69 | Issue Age Pricing |
| State Farm | D | $159 | $53 | Attained Age Pricing |
| LifeShield National | F | $181 | $122 | Attained Age Pricing |
| LifeShield National | G | $148 | $105 | Attained Age Pricing |
| Transamerica | K | $78 | $31 | Issue Age Pricing |
| Transamerica | L | $116 | $63 | Issue Age Pricing |
| Transamerica | M | $142 | $0 | Issue Age Pricing |
| LifeShield National | N | $110 | $99 | Attained Age Pricing |
*Prices are for 65-year-olds.
LifeShield National
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.1/5Pricing Style
3.7/5Plan Availability
Average Plan G Rate
$148Plan Types
A, F, G, N
USAA
MoneyGeek Rating
4.2/ 5
4.8/5Affordability
3.9/5Pricing Style
3.2/5Plan Availability
Average Plan G Rate
$167Plan Types
A, F, G, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Plan Availability
Average Plan G Rate
$164Plan Types
A, B, C, D, F, G, K, L, M, N
State Farm
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Plan Availability
Average Plan G Rate
$160Plan Types
A, C, D, F, G, N
Best Medicare Supplement Plan G in Kentucky
LifeShield National charges $148 monthly for Plan G in Kentucky, 41% below the state average of $253. Globe Life charges $150 monthly and Bankers Fidelity charges $154 monthly.
Plan G covers everything Medicare doesn't pay except the Part B deductible. New Medicare enrollees can't purchase Plan F anymore, so Plan G gives you the most coverage available.
| LifeShield National | $148 | $105 | $1,776 | $1,254 |
| Globe Life | $150 | $103 | $1,800 | $1,230 |
| Bankers Fidelity | $154 | $99 | $1,848 | $1,182 |
| State Farm | $160 | $93 | $1,920 | $1,110 |
| MedMutual Protect | $162 | $91 | $1,944 | $1,086 |
| Transamerica | $164 | $89 | $1,968 | $1,062 |
| USAA | $167 | $86 | $2,004 | $1,026 |
Best Medicare Supplement Plan F in Kentucky
LifeShield National charges $181 monthly for Plan F. MedMutual Protect charges $183 monthly. Humana charges $201 monthly. These three insurers save Kentucky residents $102 to $122 monthly versus the $303 state average.
Plan F enrollment closed to new Medicare beneficiaries on Jan. 1, 2020. You can still buy Plan F if you enrolled in Medicare before that date. Plan F covers all Medicare out-of-pocket costs, including the Part B deductible.
| LifeShield National | $181 | $122 | $2,172 | $1,462 |
| MedMutual Protect | $183 | $120 | $2,196 | $1,438 |
| Humana | $201 | $102 | $2,406 | $1,228 |
| AFLAC | $204 | $99 | $2,448 | $1,186 |
| American Benefit | $205 | $98 | $2,460 | $1,174 |
| Nassau | $206 | $97 | $2,472 | $1,162 |
| Globe Life | $210 | $93 | $2,520 | $1,114 |
Best Medicare Supplement Plan N in Kentucky
Plan N costs $110 to $127 monthly in Kentucky, depending on pricing style. LifeShield National offers the cheapest Plan N at $110 monthly, saving Kentucky residents $576 annually. MedMutual Protect ($116 monthly) and State Farm ($120 monthly) provide competitive rates.
| LifeShield National | $110 | $99 | $1,320 | $1,185 |
| MedMutual Protect | $116 | $93 | $1,392 | $1,113 |
| State Farm | $120 | $89 | $1,440 | $1,065 |
| American Benefit | $123 | $86 | $1,476 | $1,029 |
| AFLAC | $124 | $85 | $1,488 | $1,017 |
| Humana | $127 | $82 | $1,518 | $987 |
| Globe Life | $127 | $82 | $1,524 | $981 |
Personalized Kentucky Medicare Supplement Plan Recommendations
Rates vary by age and plan type. Filter the table below by your age and preferred plan to compare Kentucky insurers.
Data filtered by:
A
Select
No
| USAA | A | No | 65 | $123 | $0 | Attained Age Pricing |
| United American | A | No | 65 | $128 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $134 | $0 | Attained Age Pricing |
| LifeShield National | A | No | 65 | $147 | $0 | Attained Age Pricing |
| Transamerica | A | No | 65 | $153 | $0 | Issue Age Pricing |
| State Farm | A | No | 65 | $157 | $0 | Attained Age Pricing |
| Wisconsin Physicians Service | A | No | 65 | $158 | $0 | Attained Age Pricing |
| American Benefit | A | No | 65 | $167 | $0 | Attained Age Pricing |
| Globe Life | A | No | 65 | $171 | $0 | Attained Age Pricing |
| Humana | A | No | 65 | $172 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in Kentucky
Kentucky's Medicare Supplement insurance costs average $216 monthly for 65-year-olds across all plan types. Monthly premiums range from $109 for Plan K to $308 for Plan C.
The three most popular plans average:
- Plan G: $253 monthly ($3,036 annually)
- Plan F: $303 monthly ($3,636 annually)
- Plan N: $209 monthly ($2,508 annually)
Your actual rate varies by which insurer you choose, your age when enrolling and whether your insurer uses attained age, issue age or community-rated pricing.
| A | $181 | $2,172 |
| B | $269 | $3,228 |
| C | $308 | $3,696 |
| D | $212 | $2,544 |
| F | $303 | $3,636 |
| G | $253 | $3,036 |
| K | $109 | $1,308 |
| L | $179 | $2,148 |
| M | $142 | $1,704 |
| N | $209 | $2,508 |
How to Choose the Best Medicare Supplement Plan
After selecting which plan letter fits your needs, compare Kentucky insurers on these factors.
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums cost less overall through lower out-of-pocket expenses.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
Kentucky Medicare Resources
Kentuckians exploring Medigap options can connect with these resources:
- Kentucky SHIP: The State Health Insurance Assistance Program pairs beneficiaries with trained counselors who explain Medicare benefits without selling insurance products. SHIP partners with Kentucky Prescription Assistance Program (KPAP) as a partner site. Reach counselors statewide at (877) 293-7447 or contact (502) 564-6930 (Option 3). Local counselors operate through 15 Area Agencies on Aging embedded within Area Development Districts across Kentucky's 120 counties.
- Kentucky Department of Insurance - Consumer Protection Division: Submit written or electronic complaints about insurance issues. The division forwards complaints to insurers, who respond within 15 calendar days. Cases resolve within 30 days on average. Kentucky residents call (800) 595-6053, non-residents call (502) 564-6034. Mail to P.O. Box 517, Frankfort, KY 40602-0517. Office hours: 8 a.m. to 4:30 p.m.
- Kentucky Department for Aging and Independent Living: Contracts with 15 Area Development Districts statewide to deliver aging services. Districts function as Aging and Disability Resource Centers offering nutrition programs, transportation and caregiver support. The network serves all Kentucky counties through local providers.
- Medicare.gov: Compare plans from 40 insurers offering Medigap in Kentucky. The state enacted a birthday rule (effective January 2024) allowing annual plan changes without medical underwriting.
Medicare Supplement Plans in Kentucky: FAQ
Frequently asked questions about Medigap coverage in Kentucky for residents considering supplemental insurance.
When is Medicare Supplement open enrollment in Kentucky?
Medicare Supplement open enrollment begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected Kentucky Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored Kentucky Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
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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.