At a glance: Medicare health insurance in Kansas
- More than half a million residents are enrolled in Medicare in Kansas
- 27% of Kansas Medicare beneficiaries select Medicare Advantage plans (up from just 16% in 2018)
- Residents in Kansas can select from between 3 and 40 Medicare Advantage plans for 2020, depending on where they live
- 62 insurers offer Medigap plans in Kansas; Disabled beneficiaries under age 65 have the same access and premiums as those who age onto Medicare at 65.
- About 54 percent of Kansas Medicare beneficiaries have stand-alone Part D prescription coverage
- Per-enrollee spending for Medicare in Kansas is just slightly lower than the national average
How high is Medicare enrollment in Kansas?
544,530 Kansas residents were enrolled in Medicare as of July 2020, amounting to just under 19 percent of the state’s population — very similar to the share of the total United States population enrolled in Medicare.
86 percent of Medicare beneficiaries in Kansas are eligible due to their age (ie, being at least 65), while the other 14 percent are under 65 and eligible for Medicare due to a disability that lasts at least 24 months (people with ALS or end-stage renal disease do not have to wait 24 months for Medicare eligibility). Nationwide, 85 percent of Medicare beneficiaries are eligible due to age, while 15 percent are eligible due to disability.
- Read our guide to Medicare’s open enrollment period.
- Review our glossary of Medicare-related terms.
- Understand the difference between Medigap, Medicare Advantage, and Medicare Part D (including tips for picking the best coverage combination to meet your needs).
Medicare Advantage in Kansas
Original Medicare is available throughout the United States. And in most parts of the country, Medicare Advantage plans are available as an alternative, for people who prefer private health insurance. Medigap plans are available in all 105 counties in Kansas as of 2020.
16 percent of Kansas Medicare beneficiaries selected private Medicare Advantage plans as of 2018, which was much lower than the 34 percent of all Medicare beneficiaries nationwide had Medicare Advantage enrollment at that point. The remaining 84 percent of the state’s Medicare beneficiaries had opted instead for coverage under Original Medicare.
Total Medicare coverage enrollment has been growing nationwide, but Medicare Advantage enrollment has been growing even faster. As of mid-2020, 27 percent of Medicare beneficiaries in Kansas (116,505 people) were enrolled in private plans obtained through Medicare Advantage insurers (this does not count people with Original Medicare who supplement their coverage with private Medigap or Medicare Part D coverage). For reference, private Medicare enrollment had climbed to 40 percent nationwide by that point.
Medicare Advantage offers all of the benefits of Original Medicare (hospital inpatient care plus outpatient services), plus additional benefits like a cap on out-of-pocket costs, and in most cases, integrated Part D prescription drug coverage (the cap on out-of-pocket costs does not apply to the Part D coverage, however). Many Medicare Advantage plans also provide additional benefits and programs, such as dental and vision coverage, a 24-hour nurse hotline, gym memberships, and even assistance with things like transportation and in-home safety. And some Advantage plans have no monthly premiums other than the cost of Medicare Part B. But there are tradeoffs and limitations: Medicare Advantage plans have more limited networks than Original Medicare, and total out-of-pocket costs under an Advantage plan are typically higher than they would be with Original Medicare combined with Medigap and a stand-alone Part D plan.
Depending on the county in which they live, residents in Kansas can select from between three and 40 Medicare Advantage plans in 2020. Medicare beneficiaries can choose to enroll in a Medicare Advantage plan as long as they live within the plan’s service area and do not have kidney failure (but as of 2021, beneficiaries with kidney failure will no longer be blocked from joining a Medicare Advantage plan).
During the annual Medicare election period each fall (October 15 to December 7), Medicare beneficiaries can switch between Medicare Advantage and Original Medicare, and can also make changes to their Part D coverage (but in most cases, there is not an opportunity to make a guarantee-issue change to Medigap coverage). There is also a Medicare Advantage open enrollment period (January 1 to March 31) during which people who are already enrolled in Medicare Advantage plans can switch to a different Medicare Advantage plan or drop their Medicare Advantage plan and enroll in Original Medicare instead.
Medigap in Kansas
Medigap plans are used to supplement Original Medicare, covering some or all of the out-of-pocket costs (for coinsurance and deductibles) that people would otherwise incur if they only had Original Medicare on its own. More than half of all Medicare beneficiaries have supplemental healthcare coverage from an employer’s plan or Medicaid. But optional private Medigap plans are used by about 29 percent of Medicare beneficiaries as of 2016.
In Kansas, as of 2018, there were 248,506 people enrolled in Medigap plans. That amounted to about 45 percent of the state’s Medicare population (Medicare Advantage enrollment is lower than the national average in Kansas and Original Medicare enrollment is higher; this results in a higher-than-average percentage of the Medicare population enrolled in Medigap plans, which can only be used to supplement Original Medicare coverage).
The Kansas Insurance Department publishes a Medigap buyer’s guide, available here. There are 62 insurers offering Medigap plans in Kansas. Almost all of them use attained-age rating for setting monthly premiums, although a few use issue-age rating (here’s how they both work).
Medigap plans are standardized under federal rules, and people are granted a six-month window, when they turn 65 and enroll in Original Medicare, during which coverage is guaranteed issue for Medigap plans. Federal rules do not, however, guarantee access to a Medigap plan if you’re under 65 and eligible for Medicare as a result of a disability.
But Kansas is among the majority of the states with rules to ensure at least some access to Medigap plans for enrollees under the age of 65. And the consumer protections in Kanas are among the nation’s strongest. In Kansas, all Medicare beneficiaries — including those who gain eligibility due to a disability and those who become eligible when they turn 65 — have the same guaranteed issue access to Medigap coverage (see page 4 of the Kansas Medigap buyer’s guide).
Starting when a person is enrolled in Medicare Part B (regardless of their age), they have a six-month window during which coverage is guaranteed issue for all available Medigap plans. As long as the person enrolls during their six-month open enrollment window, insurers are required to charge younger, disabled beneficiaries the same premiums that apply to a 65-year-old. This is a stronger consumer protection than most states have; in the majority of the states where Medigap plans are guaranteed-issue for people under age 65, the insurers are allowed to charge higher prices for that population.
As is the case in every state, Kansas residents who are enrolled in Medicare prior to age 65 still have a guaranteed-issue Medigap open enrollment period when they turn 65, regardless of whether they already had Medigap coverage prior to turning 65. But since Kansas does not allow Medigap insurers to charge higher rates for younger enrollees, this is not as important as it is in other states where disabled beneficiaries pay much higher premiums and can then switch to a lower-cost plan when they turn 65.
Medicare Part D in Kansas
Original Medicare does not cover outpatient prescription drugs. But Medicare beneficiaries can get prescription coverage through Medicaid or an employer-sponsored plan (offered by a current or former employer). For people who don’t have access to either of those, Medicare Part D is available to provide prescription coverage to Medicare beneficiaries. Part D coverage can be obtained as a stand-alone plan or integrated with a Medicare Advantage plan (about 90 percent of Medicare Advantage plans provide Part D coverage for prescription drugs).
As of July 2020, there were 297,651 Kansas Medicare beneficiaries with coverage under stand-alone Part D prescription drug plans. Another 103,563 Kansas Medicare beneficiaries had Part D coverage integrated with a Medicare Advantage plan at that point. Although overall Medicare enrollment in Kansas has been increasing, Medicare Advantage enrollment has been increasing faster. In the year from August 2019 to July 2020, total Medicare Part D enrollment in the state grew by more than 13,000 people. But enrollment in stand-alone Medicare Part D plans in Kansas decreased by almost 2,000 people, whereas enrollment in Part D as part of an Advantage plan increased by more than 15,000 people.
For 2020 coverage, there are 28 stand-alone Medicare Part D plans available in Kansas, with monthly premiums ranging from $13 to $75.
Medicare Part D enrollment is available during the annual open enrollment period each fall, from October 15 to December 7. You can change your plan multiple times during that window; the last plan change you make will take effect January 1 of the coming year.
Medicare spending in Kansas
In 2018, Original Medicare spent an average of $10,146 per beneficiary in Kansas. The data were standardized to eliminate differences in payment rates from one area to another, but it was only based on Original Medicare spending, so it did not include costs for Medicare Advantage enrollees.
The national average that year was $10,096 per enrollee, with spending on Medicare in Kansas only slightly below the national average. Average per-beneficiary spending in Original Medicare was highest in Louisiana ($11,932) and lowest in Hawaii ($6,971).
How does Medicaid provide financial assistance to Medicare beneficiaries in Kansas?
Many Medicare beneficiaries receive financial assistance through Medicaid with the cost of Medicare premiums, prescription drug expenses, and services not covered by Medicare – such as long-term care.
Our guide to financial assistance for Medicare beneficiaries in Kansas includes overviews of these benefits, including Extra Help, long-term care coverage, and eligibility guidelines.
Medicare in Kansas: Resources and information for Medicare beneficiaries and their caregivers
Need help with your Medicare application in Kansas? Got questions about Medicare eligibility in Kansas? You can contact SHICK — Senior Health Insurance Counseling for Kansas — with questions related to Medicare in Kansas.
The Kansas Insurance Department’s website provides a comprehensive Medigap resource for people filing for Medicare benefits in Kansas and wishing to supplement the coverage with a Medigap plan. The page includes a general information guide to Medigap plans as well as a rate comparison tool.
Medicare.gov, maintained by CMS (the Centers for Medicare and Medicaid Services) provides information about every aspect of Medicare, and includes a healthcare provider finder tool as well as a plan finder tool that can help you determine which private insurers (Medigap, Part D, and Medicare Advantage) offer coverage in your area, and how much the monthly premiums will be.
The Medicare Rights Center provides Medicare-related assistance throughout the United States. They maintain a website and a call center where consumers can get answers to a wide range of questions about Medicare.
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.