Kentucky Senior Health Insurance
Explore Your Options
Home of the Kentucky Derby, national forests and historic sites – Kentucky is a popular travel destination. And for many, it’s where they call home. No matter what brought you to Kentucky, once you decide to retire here it’s important to know what choices you have for your Senior Health Insurance. Kentucky is a state with some of the most Medicare Supplemental options available. The great thing about this is that you have many options to choose from, ensuring that you will find an option that truly fits your needs. The downfall is that you have many choices, and it can be difficult to narrow down your options. The specialists at MySeniorHealthPlan.com are available to help you sort through all your options. Remember if a plan is a good fit for a friend or loved one it might not be the best fit for you. Medicare Supplemental plans are very individualized so get help before making your decision.
Medicare Supplements, also known as Medigap plans are available to purchase. These are standardized plans and only vary in premium costs, customer service and credibility between carriers. The coverage varies depending on what type of coverage level you decide fits your needs. Plan F for example has the highest level of coverage. This plan works in conjunction with your Medicare Part A and B and covers items such as deductibles, co-pays and more. There are many companies that sell this type of plan so trust the experts at MySeniorHealthPlan.com in your decision when choosing coverage type and carrier.
Medicare Supplements do not include Prescription Drug coverage; therefore these plans are often paired with a Prescription Drug Plans (PDP), or Part D of Medicare. Kentucky residents have a wide variety of PDPs available to them so deciding which one to purchase can be a daunting task. Each carrier covers different prescriptions at different costs. The cost per prescription is determined by its tier level and can be found in each plan’s formulary. You may also qualify for extra help to pay for your prescription plan. Visit http://www.ssa.gov/medicare/prescriptionhelp/ to see if you qualify. The Prescription Drug Plan premiums and what is covered can change on a yearly basis. Therefore, it is important to take advantage of MySeniorHealthPlan.com’s free plan analysis every Open Enrollment Period.
Another option is to enroll into a Medicare Advantage plan, or Part C. This type of plan typically includes your prescription drug coverage. There are many MAPD options in Kentucky; however these plans are county specific. You may not have as many options as the county next to you or vice versa. You still have your original Medicare; however, these plans manage your Medicare Part A and B benefits through a private carrier. These are network-based plans and may require referrals. Contact MySeniorHealthPlan.com for a full comparison of your plan options. Medicare Advantage plans costs and coverage also change yearly, so be sure to contact MySeniorHealthPlan.com between October 15th through December 7th annually for your free plan analysis.
Some residents of Kentucky have Indian Health Services as well. The relationship between the Federal Government and Native American tribes constitutes various rules to follow. However, CMS has made Medicare & Medicaid healthcare services accessible to all Native Americans who are eligible. For more information visit http://www.cms.gov/Outreach-and-Education/American-Indian-Alaska-Native/AIAN/
Indian Health Services: http://www.ihs.gov
State Site: www.kentucky.gov
Social Security: http://www.socialsecurity.gov/medicare/prescriptionhelp
Kentucky Cabinet for Health and Family Services: http://chfs.ky.gov/dail/