The Best Kentucky Medicare Supplement Plans (2022)

Private healthcare plans such as Medicare Supplemental insurance, also known as Medigap insurance, fill the gaps in Original Medicare coverage. Kentucky's residents have 10 Medicare Supplement plans to choose from. Anthem, UnitedHealthcare and Aetna are the best options overall. However, your eligibility determines which plans are available to you. You cannot buy both Medigap and Medicare Advantage plans in Kentucky since the latter replaces your whole Medicare plan, including Original Medicare.

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Last Updated: 9/14/2022
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In Kentucky, a 65-year-old pays an average of $134 monthly for a Medicare Supplement plan, and a 75-year-old pays roughly $211.

Plan F and Plan G, costing around $232.13 and $137.80 per month, respectively, are the most popular due to their comprehensive coverage. However, Plan F is only available to people who were Medicare beneficiaries before 2020.

Plan N is the next most popular option, with similar coverage but extra costs. On average, it costs $123.60 per month.

MoneyGeek picked the best F, G and N plans based on average rates and benefits. We detail different plan types and coverage in our best Medicare Supplement plan in Kentucky review.

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Best Medicare Supplement Plans in Kentucky

Best Medicare Supplement Plan G in Kentucky

In Kentucky, UnitedHealthcare has the best Medigap Plan G. Another option offered by UnitedHealthcare is the SELECT plan, which is a network-only version of the standardized Medicare Supplement insurance plan. Because of their restricted network, SELECT plans are cheaper than other plans. The SELECT version of UnitedHealthcare's Plan G has a monthly rate of around $118.49.

Take note that MoneyGeek's rating only includes companies that provide online quotes. It's possible that some companies don't provide online quotes but still offer competitive pricing.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $131.45

Plan G from UnitedHealthcare costs less than the state's average monthly cost for Plan G Medicare Supplement insurance, which is around $171.90.

There are a number of advantages to choosing this plan. This plan includes a number of advantages. Its Renew Active benefit offers free gym memberships throughout the company's network, which comprises various high-end gyms. It also comes with yearly fitness plans, workout videos and group classes, among other things. You also get discounts for dental care, vision care, hearing aids, long-term care services and alternative care.

The company also offers the SELECT plan. You'll only spend around $118.49 a month with this plan, but you'll be confined to a smaller network.

MORE ABOUT PLAN G IN KENTUCKY

Navigate to learn more about Medigap Plan G in Kentucky, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Kentucky

In Kentucky, the average monthly cost of Medicare Supplement Plan G is $171.90. Variables that influence the premiums you'll pay include your current age, discounts and other medical underwriting considerations.

UnitedHealthcare's Plan G for 65-year-olds in Kentucky is the cheapest plan at $125 per month. In comparison to Aetna's monthly premium of roughly $163.40, which is the most expensive in the state, this is around $38 less expensive.

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65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $125
  • Anthem
    $130
  • Cigna
    $153
  • Aetna
    $163

Providers Offering Plan G in Kentucky

There are 42 Plan G providers in Kentucky, but only a few of them offer online quotes. MoneyGeek researched all of the state's Plan G providers' contact information to make it easier for you to find the best one. To help you plan ahead, we've broken down their pricing structure so you can see which companies will raise the price as you get older.

Providers Offering Plan G in Kentucky

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Anthem
    1-800-684-1893
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age

What Does Plan G Cover?

Plan G is required to provide some benefits. However, it doesn't cover Part B deductibles and only covers 80% of foreign travel emergency expenses up to the policy's maximum.

In addition to standard benefits, some plans come with other unique benefits. Renew Active by UnitedHealthcare is a good example of such an advantage.

Required Benefits of Plan G in Kentucky
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Kentucky

Anthem is the best Medicare Supplement Plan F provider in Kentucky, with an average price of $246.46. It’s important to note that this plan also offers a SELECT plan.

Keep in mind that, MoneyGeek's rating is restricted to companies that provide online quotes. You can compare cost and coverage by contacting different providers that offer Plan F in Kentucky.

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MoneyGeek Top Pick
Anthem Blue Cross and Blue Shield
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $246.46

The average monthly cost of Plan F insurance in Kentucky is $232.10. This means that Anthem's Medigap Plan F is around $14 more expensive. The plan has a few perks, like Anthem's foreign travel insurance.

Anthem's SELECT Plan F, which costs about $213.50 a month and is cheaper than the regular Plan F, may be beneficial to seniors on a budget. Because these plans have more limited networks, their premiums are usually cheaper.

MORE ABOUT PLAN F IN KENTUCKY

Navigate to learn more about Medigap Plan F in Kentucky, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Kentucky

In Kentucky, Medigap Plan F costs an average of $232.10 per month. However, based on your chosen company, your current age, the age at which you obtained the plan, company discounts and medical underwriting considerations, actual costs can vary significantly.

Cigna, for example, offers Kentucky's lowest Plan F premiums for 75-year-olds, at an average of $170.90. At roughly $307.70 a month, UnitedHealthcare is the most expensive option. This is a difference of around $137 a month.

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  • Company
    Sample Monthly Rate
  • Aetna
    $154

Providers Offering Plan F in Kentucky

In Kentucky, there are 42 different Medigap Plan F providers to select from. However, you can’t find online estimates from several of them. To acquire an estimate from a company, contact them using the MoneyGeek contact information given below.

The pricing models of the providers reveal which of them are likely to be expensive as you age.

Providers Offering Plan F in Kentucky

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Anthem
    1-800-684-1893
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age

What Does Plan F Cover?

A specified set of benefits must be provided by all Medigap plans, and Plan F is no exception. In spite of Plan F's significant coverage, the plan only pays around 80% of foreign trip emergency expenditures within the plan's limitations. Additional Plan F benefits may be available from various carriers. Anthem's Skilled nursing facility care coinsurance is a good example of this.

Required Benefits of Plan F in Kentucky
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Kentucky

In Kentucky, Aetna's Plan N, with a monthly average premium of $105.13, is the cheapest company for seniors looking for Medicare Supplement Plan N. Remember that MoneyGeek's evaluations are generic and only include companies that provide online estimates. Other companies in the state that provide Plan N may also offer competitive rates. You'll need to get in touch with them to find out how much they charge and what coverages they offer.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $105.13

Aetna's Plan N costs around $49 less than Kentucky's average cost of Plan N, which is approximately $154.40. It also offers Foreign Travel Emergency coverage, which covers up to 80% of medical expenditures incurred while traveling out of the country.

MORE ABOUT PLAN N IN KENTUCKY

Navigate to learn more about Medigap Plan N in Kentucky, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Kentucky

Kentucky's Plan N costs an average of $154.40 monthly. This rate is just an average and can change depending on factors like your current age, age at the time of plan purchase and medical underwriting considerations.

For instance, Aetna's Plan N is the cheapest for 65-year-olds in Kentucky, costing around $105.10 monthly. Anthem is the most expensive provider at roughly $143.70 per month. This equates to a monthly savings of approximately $39.

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  • Company
    Sample Monthly Rate
  • Aetna
    $105
  • UnitedHealthcare
    $112
  • Cigna
    $126
  • Anthem
    $144

Providers Offering Plan N in Kentucky

In Kentucky, 42 companies offer Plan N insurance. However, just a few of them provide online quotes. MoneyGeek listed the contact information of several insurers so you can determine the one that best fits your requirements. By examining the pricing styles, you can determine whether or not a company has an age-based pricing model.

Providers Offering Plan N in Kentucky

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Anthem
    1-800-684-1893
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age

What Does Plan N Cover?

All Medigap policies are obliged to offer a minimum number of benefits. Plan N excludes both Part B deductibles and Part B excess charges. Plus, it only pays 80% of foreign travel emergency expenditures up to the plan's maximum coverage. However, companies may offer exclusive additional benefits like the Skilled Nursing Facility care insurance from Anthem and Aetna.

Required Benefits of Plan N in Kentucky
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Kentucky: Other Plan Types

Kentucky offers more than just Plans F, G and N. Other Medicare Supplement plan types — which include Plans A, B, C, D, K and L — are less popular because they provide less coverage. UnitedHealthcare has the best Medigap Supplement plans in Kentucky for most plan types, according to MoneyGeek's analysis. Apart from UnitedHealthcare, Aetna, Anthem and Cigna also offer online estimates for Medigap insurance.

Note that anyone who acquired Medicare after January 1, 2020, in Kentucky or elsewhere in the US, will have no access to Plan C.

The Best Medicare Supplement in Kentucky - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $77.77

  • B

    UnitedHealthcare

    $136.94

  • C

    UnitedHealthcare

    $306.62

  • F

    Anthem

    $246.46

  • G

    UnitedHealthcare

    $131.45

  • K

    UnitedHealthcare

    $54.74

  • L

    UnitedHealthcare

    $105.53

  • N

    Aetna

    $105.13

How to Find the Best Medicare Supplement Plans in Kentucky

Medigap insurance can be a complex subject, especially for beginners. MoneyGeek collected pricing information and other details from multiple insurance companies so that you can find a suitable Medicare Supplement plan provider. MoneyGeek's Medicare supplement plans comparison chart in Kentucky may make it easier for you to compare companies.

Kentucky Medicare Supplement Plans Comparison Chart

Note that the coverage and accessibility of Medigap plans vary. However, based on when you became eligible for Medicare, you may only have a few options to choose from. For instance, Plan F and Plan C are good choices but are unavailable for new enrollees. Plans G and D are taking their place.

Using the following MoneyGeek chart, you can compare Medicare Supplement plans in Kentucky. It lets you compare coverage and average costs across various plan types.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Kentucky

The cost of Medicare Supplemental Insurance can be affected by the plan type and provider. UnitedHealthcare offers the lowest prices in Kentucky for most plan types, including G. Cigna is the cheapest for Plan F, while Aetna is the cheapest for Plan N.

Companies usually use one of the following three ways to evaluate quotes:

  • Attained-Age: This is the most common pricing style in Kentucky. Your premium is based on your current age, and it will increase as you become older.
  • Issue-Age: The price of your policy is based on your age when you first bought a policy. As you get older, the prices won't change.
  • Community-Rated: Each policyholder in a certain plan type, other than Plan D and Plan M, pays the same monthly premium.
Average Cost of Medicare Supplement in Kentucky

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $78
  • Cigna
    $161
  • Aetna
    $162
  • Anthem
    $187

FAQs About Medicare Supplement Plans in Kentucky

MoneyGeek answered some of the most frequently asked questions concerning Medigap or Medicare Supplement plans in Kentucky.

Methodology

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.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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