|Plan Type||Est. Premium*|
|Medigap Plan A:||$101.59||(shop rates)|
|Medigap Plan C:||$131.66||(shop rates)|
|Medigap Plan F:||$136.90||(shop rates)|
|Medigap Plan K:||$70.00||(shop rates)|
|Medigap Plan N:||$101.72||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in Kansas. You must request a quote to get an exact premium for your situation.
The Kansas State Board of Insurance has licensed Blue Cross Blue Shield of Kansas to sell BCBS of Kansas Medigap plans (Medicare Supplement insurance) to Kansas seniors with Medicare benefits. Supplemental insurance protects you from hospital and doctor bills not covered by Original Medicare (e.g., deductibles, copayments and coinsurance, etc.). This insurance carrier has participated in the supplement insurance market for The carrier offers a range of standardized plans (see below). years and offers a range of plans for Kansas seniors (see plans offered below). You can buy from BCBS of Kansas with confidence. They earned a A rating from A.M. Best Company, nationally recognized for their financial analysis of insurance carriers.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Kansas seniors with Medicare benefits are eligible to apply for a Blue Cross Blue Shield of Kansas Medigap Plan A policy. It's a Issue Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- Heartland National Medigap Plan A (Kansas)
- Globe Life Medigap Plan A (Kansas)
- American Continental Medigap Plan A (Kansas)
Plan C covers every penny of what Medicare approves, up to the approved payment amount. In other words, there are only two instances in which Plan C will not cover what is left of your charges after Medicare pays its share. The first instance is when Medicare doesn’t approve the charge at all. The second is when your healthcare provider charges more than the Medicare approved amount. This is because Plan C does not cover Medicare Part B Excess Charges.
If you take care to avoid the Medicare Part B excess charges, this is an attractive policy, and Blue Cross Blue Shield of Kansas offers it in Kansas. The monthly premium is calculated using the Issue Age cost method. Before you make a final decision, be sure to compare. Here are a few companies with good rates:
- Central States Medigap Plan C (Kansas)
- Sentinel Security Medigap Plan C (Kansas)
- KSKJ Life Medigap Plan C (Kansas)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Kansas. Blue Cross Blue Shield of Kansas offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Kansas by comparing quotes from these insurance carriers:
- Heartland National Medigap Plan F (Kansas)
- Old Surety Medigap Plan F (Kansas)
- American Continental Medigap Plan F (Kansas)
Plan K covers the cost sharing for Part B preventive services, the Part A hospital co-insurance and features an additional 365 days of hospital coverage. Plan K covers 50% of the Part A and Part B blood deductibles, the Part B co-insurance, the skilled nursing facility co-insurance, cost sharing associated with the hospice benefit, and the Part A hospital deductible.
Once you reach a total out-of-pocket limit of $4,940 (2015 rates), this plan pays 100% of all cost sharing under Medicare Parts A and B for the rest of the calendar year. If you need to manage your cash flow, Plan K is one way to do it.
Healthy seniors who can take some financial risk should take Plan K into consideration. It's a good alternative to Medicare Advantage. Your risk is about $5,000 per year in out-of-pocket costs. Plan K is offered by Blue Cross Blue Shield of Kansas in Kansas. Premiums for a Plan K policy vary a lot so be sure to compare with these carriers:
- UnitedHealthcare Medigap Plan K (Kansas)
- Bankers Fidelity Medigap Plan K (Kansas)
- Madison National Medigap Plan K (Kansas)
Offering benefits similar to Plan D, Plan N features a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits. These co-pays are applied once the annual deductible is met. Most Plan N premiums are approximately 70% of a Plan F and 77% of Plan D premiums.
Plan N gives you all of the basic coverage benefits, plus it pays your Medicare Part A deductible. You pay the Part B deductible and the Part B excess charges. You are also responsible for a $20 co-pay when you visit the doctor and up to $50 for each emergency room visit. If saving money is your goal, this plan will help. Compare premiums with these carriers before you buy:
- Heartland National Medigap Plan N (Kansas)
- American Continental Medigap Plan N (Kansas)
- United National Medigap Plan N (Kansas)
You are eligible to apply for a BCBS of Kansas Medicare Supplement if you are:
- A resident of Kansas,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
BCBS of Kansas offers plans in Wichita, Overland Park, Kansas City, Olathe, Topeka, Lawrence, Shawnee, Manhattan, Lenexa, Salina and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on