Kansas Medicare Insurance Plans

Medicare Policies

The state flag of Kansas | Kansas Medicare Insurance Plans

Medicare is a federally sponsored health insurance program available to those over the age of 65, as well as to individuals who have certain disabilities. At the state level, however, there exist specific organizations that help beneficiaries better understand the Medicare process, and Medicare recipients may even qualify to receive state subsidies, depending on their circumstances. Consider the following information if you are interested in obtaining Medicare coverage in the state of Kansas.

MEDICARE SUPPLEMENT INSURANCE (MEDIGAP) POLICIES

The state of Kansas does require insurers to sell Medicare Supplement Insurance policies to its residents who are under the age of 65 according to CMS.

 Mini-COBRA Policies (Small Group)

If you work for an employer that has over 20 full-time employees, then federal COBRA law applies.  If you work for an employer that has under 20 full-time employees, Kansas has a “Kansas Continuation Law” where previous employees can continue coverage for up to 6 months.

Kansas Medicare Savings Program

There are four Medicare Savings Programs available to residents of Kansas.

*The following data is from 2016 and is based on federal amounts.  These amounts may increase in 2017.  If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.*

  • *Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $1,010 and couples with a monthly income under $1,355 the state pays all premiums, copays, and deductibles for Original Medicare (Parts A and B).
  • *Specified Low-Income Medicare Beneficiaries (SLMBs): Available for individuals with income over $1,208 per month but under $1,622 or couples with monthly income over $1,328 but under $1,793, this program pays premiums for Medicare Part B.
  • *Qualified Individuals (QIs): For individuals with income under $1,357 per month or couples with a monthly income under $1,823 the state pays premiums for Medicare Part B.
  • *Qualified Disabled and Working Individuals (QDWIs): For individuals with monthly income under $4,045 (or couples with combined income under $5,425 a month), the state will cover premiums for Medicare Part A.

*Data from medicare.gov

According to ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.

State Health Insurance Counseling for Kansas (SHICK)

The local State Health Insurance Counseling for Kansas (SHICK) program exists to help you understand your Medicare benefits. SHICK, which is a free program for Kansas residents, provides personal, one-on-one Medicare beneficiary counseling in Kansas.

Kansas SCHICK provides education, counseling, and information concerning:

  • Medicare (Parts A and B)
  • Medicare Advantage Plans (Part C)
  • Medicare Prescription Drug Plans
  • Medicare Supplement Insurance (Medigap)
  • Prescription assistance programs
  • Long-term care and payment options
  • Health care rights and protections
  • Other health insurance subjects

Kansas SHICK also advocates on behalf of Medicare beneficiaries regarding claim questions and disputes. SHICK is operated by trained volunteers who assist with SHICK statewide and funded by a grant through the Centers for Medicare and Medicaid Services (CMS).

(Extra Help) for Prescription Drugs

In 2016, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple) and up to $13,640 in resources ($27,250 for a married couple).

 

Consult with a MedicareSolutions.com licensed sales agent if you live in Kansas in order to get personal assistance for Kansas Medicare Insurance Plans. A trained and knowledgeable licensed sales agent can help you compare plans in your area and help you find the Medicare insurance benefits that are right for your needs.