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Kentucky Medicare Plans Insurance Plans

Medicare Supplement Insurance (Medigap) Policies

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 other restrictions that do not apply to those 65 and older, or they may deny your application.

High-Risk Pool

Kentucky expanded Medicaid eligibility by raising its income thresholds so more individuals qualify for Medicaid; individuals who don’t meet requirements for Medicaid may still be able to receive help. KYNect is Kentucky’s online health care marketplace, through which applications for Medicaid are processed. Qualified individuals have the option to choose from various Medicaid Managed Care Organizations, including CoventryCares and WellCare statewide, with additional providers like Humana Caresource and Passport Health Plan available in specific regions of the state.

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’s 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 qualification standards are:

  • Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $973 or couples with a monthly income under $1,311 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 between $973 and $1,167 or couples with income between $1,311 and $1,573 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 between $1,167 and $1,313 or couples with income between $1,573 and $1,770 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 $1,945 and couples with income under $2,622 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.

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.

Low-Income Subsidy (Extra Help) for Prescription Drugs

In 2015, the low-income subsidy for Extra Help with prescription drugs in Kentucky is $31.79.

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