Can I get a Medigap Plan F or has it Gone Away?
In 2020 you will no longer be able to purchase a Medicare Supplement Plan F in Kentucky. However, if you get a Plan F policy in Kentucky now you will be able to keep it. These highly valuable supplemental plans are being phased out as a cost cutting measure for the government. The theory is that seniors will stop seeing their doctor if they have to pay out-of-pocket.
in Kentucky Medicare Supplements Do Not Cover Prescriptions
A supplement does not pay for your prescriptions. By law, supplemental insurance must cover Original Medicare covers, and nothing more. Foreign travel coverage is the only exception. To get help with your prescriptions, you'll need to join a Kentucky Medicare Part D plan.
Kentucky has Standardized Medicare Supplements
By law, all Medicare Supplements sold in the state of Kentucky are standardized. This means that every policy must be clearly identified as Medicare Supplement Insurance and it must offer the exact coverage allowed. This allows all plans to compete on price (premium).
All Medicare Supplements sold in Kentucky provide the same general benefits, however, some provide more gap coverage. This lets you to select the plan with the amount of insurance you want.
Each carrier markets the policies it deems best. Insurers:
- Are not required to offer every plan
- Must offer Plan A
- Must also offer Plan C or Plan F
To learn more, visit the Kentucky Department of Insurance website at http://insurance.ky.gov/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of Kentucky dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in Kentucky is the State Health Insurance Assistance Program (SHIP). They offer free, one-on-one counseling and assistance. You can contact them by telephone or by visiting their website:
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