Medicare in Kansas: What Are My Coverage Options?

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Medicare is a federal health insurance program for people over the age of 65 and those with certain disabilities. There are many different coverage options to choose from, all depending on your needs. What’s more, Medicare in Kansas can be very affordable!

In this blog post, we will discuss Medicare coverage options in Kansas, as well as some popular hospitals and Medicare plans that you might want to consider.

What type of Medicare coverage is available?

Medicare in Kansas will cover hospitalization, medical expenses, and other health care services. There are several different types of Medicare coverage available to choose from.

Original Medicare

This is the standard Medicare program that everyone pays into throughout their working lives. It consists of Medicare Part A and Medicare Part B.

If you have worked for ten years or forty quarters, you can receive Medicare Part A for free. If you have not paid into Medicare throughout your working life, you’ll need to pay a premium for Medicare Part A.

Medicare Part A is considered your “hospital insurance.” It covers inpatient care, hospice care, and some limited home health services.

Medicare Part B does come at a monthly premium of $148.50 in 2021. This premium can increase if you have a high income.

Medicare Part B is considered your “medical insurance.” It covers medical expenses like doctor visits, outpatient services (like lab work), preventative benefits (including physicals), and durable medical equipment.

Medicare Advantage Plans

Medicare Advantage is also called Medicare Part C. If the particular Advantage plan offers prescription drug coverage, it is also referred to as a Medicare Advantage Prescription Drug Plan, or MAPD for short.

Medicare Advantage plans are plans offered by private companies that contract with Medicare. It combines Medicare parts A and B and provides additional benefits such as dental coverage or vision services at no extra cost. If you choose to go this route, your primary care physician will be the one to coordinate all of your healthcare needs.

Medigap Plans

Medicare Supplement plans, or Medigap for short, are available to supplement your Original Medicare coverage. Ten different Medicare supplements can help you pay out-of-pocket costs like copays and coinsurance when you’re in the hospital or receiving medical services from a doctor.
Unlike Medicare Advantage plans, Medigap plans do not combine your Original Medicare, Parts A and B, into one plan. A Medigap plan is a separate policy. If enrolled in a Medigap plan, individuals will also need to purchase a separate Dental, Vision, and Hearing policy and prescription drug coverage (also known as Medicare Part D).

Married seniors looking for Medicare options in the state of Kansas
There are several different types of Medicare coverage available to choose from.

Which Medicare plans are available in Kansas?

Original Medicare is available across the United States. However, specific MAPD, Medigap, DVH, and Part D plans are available depending on where you live. Let’s discuss your options in Kansas.

Medicare Advantage Plans

Medicare Advantage plans are an excellent choice for residents of Kansas. They are widely accepted throughout the state, and each county has many options to choose from.

The current list of carriers and plans is much too long for a single post. There are approximately 65 Medicare Advantage Prescription Drug plans in Kansas.
Some of the most popular MAPD plans are as follows:

  • Erickson Advantage Champion (HMO-POS C-SNP)
  • Erickson Advantage Guadian (HMO-POS I-SNP)
  • United Healthcare Dual Complete LP1 (HMO-POS D-SNP)
  • AARP Medicare Advantage Plan 1 (HMO-POS)
  • Aetna Medicare Premier (HMO)

Medigap Plans

Approximately 45 carriers are offering Medigap plans to Kansas residents in 2021. These carriers include all major insurance companies, as well as smaller ones unique to Kansas.

These carriers will all offer the ten standardized plans of Medigap. Plan F, Plan G, and Plan N are the most popular and comprehensive of the ten plans.

Dental, Vision, and Hearing Plans

DVH plans are available all over the United States. There are multiple carriers and coverage levels. If you currently have a dentist, optometrist, and audiologist, you may want to determine which carriers they accept payment from.

Some popular DVH carriers are:

  • Aetna
  • Manhattan Life
  • Medico
  • Mutual of Omaha
  • Nat Gen

Part D Prescription Drug Plans

If individuals choose not to enroll in an MAPD plan, they will need to purchase a separate Part D prescription drug plan.
There are several carriers for these plans. Individuals will need to understand how their current medications are covered under each plan to find the one with the most value.

The current Part D carriers in Kansas are:

  • AARP
  • Blue Medicare
  • Cigna
  • Clear Spring Health
  • Elixir
  • Express Scripts
  • Humana
  • Mutual of Omaha
  • SilverScript
  • WellCare

Each of these carriers offers several plans to choose from and will vary by county.

Which hospitals in Kansas accept Medicare assignments?

There are 152 hospitals in Kansas. Of course, you will likely want to seek care from the one closest to you, but the following seven rank highest in the care provided.

  1. University of Kansas: Kansas City, KS
  2. Stormont Vail Hospital: Topeka, KS
  3. Advent Health Shawnee Mission: Shawnee Mission, KS
  4. Ascension Via Christi Hospital: Wichita, KS
  5. Hays Medical Center: Hays, KS
  6. Kansas City Orthopaedic Institute: Leawood, KS
  7. Kansas Medical Center: Andover, KS

If you are a resident in Kansas and looking for ways to decrease your medical costs, give us a call. We’d be happy to review your needs and compare them to the available plans.

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Justin Brock

President & CEO of Bobby Brock Insurance