Kentucky Medicare Insurance Plans

Medicare Supplement Insurance (Medigap) Policies

The state flag of Kentucky | Kentucky Medicare Insurance Plans

Kentucky does not mandate plan providers to sell Medicare Supplement Insurance (or Medigap) policies to Medicare recipients under age 65. Some plan providers may still offer Medicare Supplement Insurance options to those under 65, but they may charge higher costs or set restrictions that do not apply to those 65 and older, or they may deny your application.

Mini-COBRA Policies (Small Group)

Kentucky state law requires small employers (less than 20 employees) to offer continuation coverage for a maximum of 18 months to employees who were covered under the company group insurance plan for at least three months immediately prior to coverage ending.

Kentucky Medicare Savings Program

Kentucky offers four Medicare Savings Programs that individuals who qualify may apply for through the Kentucky Cabinet for Health and Family Services, Department for Medicaid Services.

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 or couples with a monthly income under $1,355 who are receiving Medicare Part A, the state pays all premiums, deductibles, copayments, and coinsurance for Medicare Parts A and B.
  • Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with a monthly income under $1,208 or couples with monthly income under $1,622 who are receiving Medicare Parts A and B, the state pays the Medicare Part B premium.
  • Qualified Individuals (QIs): For individuals with a monthly income under $1,357 or couples with monthly income under $1,823 who are receiving Medicare Parts A and B, the state pays the Medicare Part B premium.
  • Qualified Disabled and Working Individuals (QDWIs): For individuals with a monthly income under $4,045 and couples with monthly income under $5,425 who lost disability benefits due to earnings and are eligible to enroll in Medicare Part A, the state pays the Medicare Part A premium for up to 48 months.*Data from Medicare.gov**According to Secure.ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.

Kentucky State Health Insurance Assistance Program (SHIP)

The Kentucky SHIP is a free counseling service provided to Medicare beneficiaries, their families, and caregivers to help them understand their Medicare options. It is an independent organization made possible by federal funding; it does not sell insurance products. Kentucky SHIP connects you with a trained counselor in your area who can guide you in making an informed decision about your health care needs.

Subsidy (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).

If you live in Kentucky and have questions about the benefits listed above and how to choose the health care coverage that is best for you, consult with one of our MedicareSolutions.com licensed sales agents for help when comparing Kentucky Medicare insurance plans. Our knowledgeable licensed sales agents can help you compare plans in your area to ensure you find the Medicare insurance benefits that are right for your needs.