Best Medicare Supplement Plans in Kentucky (2026)

Kentucky's Medigap birthday rule, which took effect on January 1, 2024, gives policyholders a 60-day window after their birthday each year to switch to the same plan letter from a different carrier, without medical underwriting. Switching from Plan G to Plan G is allowed; moving from Plan G to Plan N is not.

Because Kentucky allows you to move to any carrier, not just your current insurer, you can rate-shop every year using this table. If LifeShield's rates rise after 70, you can switch to Globe Life or State Farm for the same Plan G coverage during your birthday window. No health questions are required.

LifeShield National charges the lowest rates in Kentucky: $148 monthly for Plan G, $110 monthly for Plan N and $181 monthly for Plan F across all 10 standard plan types from every insurer selling Medigap in Kentucky.

LifeShield National is a regional insurer based in Oklahoma that sells Medicare Supplement plans in Kentucky. Most Kentucky seniors won't recognize the nam, and that's part of why its Plan G rate of $148 monthly is $12 below State Farm and $19 below USAA. Its lower rates reflect smaller brand overhead than a national carrier.

LifeShield sells four plan types: A, F, G and N. It has no high-deductible options, so if you want a lower premium in exchange for a higher deductible, you'll need a different insurer.

*Prices are for 65-year-olds. 

Plan N from LifeShield National costs $110 a month. It saves $1,185 per year compared to the state average and keeps your monthly costs low while you assess how often you actually use health care. If you have ongoing conditions and see specialists regularly, Plan G from LifeShield at $148 a month removes the $20 copay at every visit. The $38 monthly premium difference adds up to $456 per year, worth it only if your visit frequency is high enough to offset it. 

If you're in good health and visit a doctor fewer than 23 times per year, Plan N saves money over Plan G at the same insurer. If you want no copays and predictable costs regardless of visit frequency, Plan G is the right fit. And if you enrolled in Medicare before 2020, LifeShield's Plan F rate is $1,464 per year below the Kentucky state average.

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 buy Plan F anymore, so Plan G is the most comprehensive plan available to anyone who enrolled in Medicare on or after January 1, 2020.

The cheapest option in MoneyGeek's Kentucky rate data is $148 monthly, the most expensive is $167. That $19 monthly gap, $228 per year.

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.

The gap between the cheapest and most expensive is $348 per year for identical coverage. LifeShield's $181 monthly rate is also $122 below the Kentucky state average of $303.

Plan N rates in Kentucky range from $110 to $127 monthly. LifeShield National has the lowest rate at $110 monthly, saving Kentucky residents $1,185 per year compared to the state average. MedMutual Protect charges $116 monthly and State Farm charges $120 monthly.

Plan N costs $38 a month less than Plan G at LifeShield, $456 per year. That gap holds as long as your doctor visit copays stay below $456 annually. At $20 per visit, that's 23 doctor visits per year before Plan G's no-copay structure pays for itself. For most 65-year-olds, Plan N is cheaper in absolute cost.

Rates vary by age and plan type. Filter the table below by your age and preferred plan to compare Kentucky insurers.

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.

After selecting which plan letter fits your needs, compare Kentucky insurers on these factors.

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.

For most Kentucky residents entering Medicare in 2026, LifeShield National's Plan N at $110 a month is the starting point. It saves $1,185 per year compared to the state average and works well as long as your annual doctor visits stay below 23.

Plan G from LifeShield at $148 a month costs $456 more per year in premiums but removes the $20 copay at every doctor visit. For most people, the real case for Plan G is predictability, not cost savings, under the state's birthday rule, you can switch plans each year during your birthday window without medical underwriting.

Frequently asked questions about Medigap coverage in Kentucky for residents considering supplemental insurance.

MoneyGeek collected Kentucky Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. The analysis was led by Mark Fitzpatrick, who has spent nearly a decade researching health and life insurance rates at MoneyGeek. 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%): Community Pricing scores 1.0, Issue-Age Pricing scores 0.8 and Attained-Age Pricing scores 0.6. A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay flat as you age.
• Plan availability (30%): . Insurers offering more plan types score higher, with Plans G, F and N weighted most heavily.