Nearly 50,000 Medicare beneficiaries in Topeka and Wichita, Kansas, enroll in a Medicare Advantage (MA) plan. With Medicare Advantage plans, beneficiaries can avoid high healthcare costs by obtaining extended coverage. This article will examine the Kansas Medicare Advantage plans currently available.
Kansas Medicare Advantage plans
The Medicare program offers valuable benefits to citizens nationwide, yet significant coverage gaps remain. Medicare Advantage plans are an excellent choice for beneficiaries who wish to safeguard themselves against rising costs more effectively.
The benefits of these plans differ from provider to provider because private insurance companies manage them rather than the government. In Kansas, there are 43 MA plans available; however, this number will vary with each county.
Medicare Advantage plans offerings in Kansas
The government standardizes the coverage of Original Medicare and Medigap plans nationwide, but not Medicare Advantage plans. As a result, benefits may differ according to various factors. Additionally, these figures apply to a specific area in Kansas, so your results may vary depending on where you live.
The following section details some options available to Kansas Medicare Advantage plan beneficiaries, including Medicare Advantage plans with zero-dollar premiums, zero-dollar deductibles, and those with Part B premium reduction.
Medicare Advantage plans with a zero-dollar premium in Kansas
Many MA plans have $0 monthly premiums; however, these plans tend to have a higher deductible. A higher deductible usually results in more significant expenses if the beneficiary faces an operation or lengthy hospital stay. Even though the savings may be worth it monthly, planning for lump sum costs is integral to choosing these plans.
Kansas Medicare Advantage recipients can choose the Blue (HMO) plan. It earns a four-star rating, a zero-dollar monthly premium, and a modest MOOP (maximum out-of-pocket) of $3,000.
Kansas beneficiaries can also choose Cigna (Local PPO). The MOOP is more expensive than some competitors despite its three-star rating and zero-dollar monthly premium. However, despite the moderate MOOP of $4,900, this plan is still a solid option.
PPO plans from offer solid coverage at an outstanding value. With a maximum out-of-pocket limit of $4,400 and no monthly premium, Local PPO four-star plan is an excellent alternative to HMOs for Kansas beneficiaries.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Blue | $0 | $3,000 | HMO | 4 |
| $0 | $4,400 | LOCAL PPO | 4 | |
| Wellcare | $0 | $7,550 | HMO | 3 |
| Humana | $0 | $5,900 | LOCAL PPO | 3 |
| Cigna | $0 | $4,900 | LOCAL PPO | 3 |
Medicare Advantage plans with a zero-dollar drug deductible in Kansas
Blue offers Kansas’s most affordable Medicare Advantage plans with a zero-dollar drug deductible. Earning an impressive four-star rating, it stands out from the crowd by providing a zero-dollar premium and the lowest MOOP at $3,000.
Cigna’s Kansas plan is another excellent option. The plan has a three-star rating and a zero-dollar premium. Moreover, it’s affordable for Kansas beneficiaries due to its $4,900 MOOP.
offers another plan that Kansas beneficiaries should consider. With this Local PPO plan, the MOOP is $4,400, with zero premiums. Additionally, plan has a four-star rating so that beneficiaries can choose it confidently.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Blue | $0 | $3,000 | HMO | 4 |
| $0 | $4,400 | LOCAL PPO | 4 | |
| Wellcare | $0 | $4,500 | LOCAL PPO | N/A |
| Humana | $0 | $5,900 | LOCAL PPO | 3 |
| Cigna | $0 | $4,900 | LOCAL PPO | 3 |
Medicare Advantage plans with a Part B reduction in Kansas
Beneficiaries of the following plans can save money by taking advantage of the Part B reduction. However, it’s important to note that the Part B reduction may not be available in every area.
The Blue plan offers the highest Part B reduction in the state. The four-star plan offers a $75 reduction and a $7,250 MOOP, making it a cost-effective option overall.
There is also a reduction in the Part B premium with plan. Beneficiaries dealing with budget constraints can still benefit from the $50 monthly reduction they offer.
Humana’s plan offers a lower reduction of $24. Despite the lower reduction, the plan’s three-star rating and a MOOP of $3,400 make it an excellent overall option for beneficiaries in the state.
| PLAN | PREMIUM | MOOP | PART B REDUCTION | STAR RATINGS |
| $0 | $4,400 | $50.00 | 4 | |
| Wellcare | $0 | $7,550 | $30.00 | 3 |
| Blue | $0 | $7,250 | $75.00 | 4 |
| Humana | $0 | $3,400 | $24.00 | 3 |
| Aetna | $0 | $5,000 | $35.00 | 4 |
Ancillary/DVH
One significant benefit of Medicare Advantage plans is that they may also provide dental and vision coverage to Medicare beneficiaries.
This coverage is not part of Original Medicare or Medigap plans in Kansas, but they remain essential to healthcare. When choosing supplemental coverage, many beneficiaries select Medicare Advantage plans because of this advantage.
Kansas cities with estimated premiums for Medicare coverage
A rough idea of what supplemental Medicare could cost can be helpful. In that vein, here are charts for the following cities in Kansas:
FAQs
What is the best Medicare Advantage plan in Kansas?
Kansas Medicare beneficiaries can choose from multiple solid options for Medicare Advantage providers. However, Aetna offers the best overall balance of cost and coverage among providers in the state.
This plan protects beneficiaries from medical expenses without devoting too much of their monthly budget to premiums.
Which Medicare Advantage plan has the most Kansas enrollees?
Of the options discussed in this article, Humana is the most popular provider among Kansas enrollees. Their plan earns positive reviews from beneficiaries across the state and maintains impressive affordability despite its benefits. As a result, this provider has the most popular MA plans in the state.
How many Medicare Advantage plans are available in Kansas?
There are 88 Medicare Advantage plans available to Medicare beneficiaries in Kansas. The national average is significantly lower, so Kansas Medicare beneficiaries have a wide selection of plans. This selection ensures that everyone can find coverage that meets their needs.
Are Medicare Advantage premiums deducted from Social Security in Kansas?
Beneficiaries don’t have to pay directly for Medicare coverage in most cases. Generally, the state deducts your Medicare payments from your Social Security benefits.
Is Medicare Advantage more expensive than Medicare in Kansas?
Medicare Advantage plans offer different protections than Original Medicare. While Medicare Advantage plans are an additional cost for beneficiaries, they provide coverage essential to maintaining wellness and can often lower overall healthcare costs.
How to get help enrolling in a Kansas Medicare Advantage plan
You may feel unsure or overwhelmed when selecting a Kansas Medicare Advantage plan. The experts at Medigap.com work with all providers to find Kansas beneficiaries the best coverage.
Our goal is to help Medicare beneficiaries build the best coverage plans, so call us or fill out our web form to get rates for your area today.
