Kentucky Medicare Plans
Medicare Supplement (Medigap) Policies
Kentucky does not mandate insurers to provide Medicare Supplement policies to any class of adults.
Mini-COBRA Policies (small group)
Kentucky mandates small employer continuation coverage for twelve months although group employers are allowed to drop some benefits (e.g. dental, vision).
Medicare Savings Program (premium support)
Kentucky has three Medicare Savings Programs:
- Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $973 and for couples with a monthly income under $1311, the state pays all premiums for Part B and all Co-Pays and Deductibles for Parts A & B
- Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1167 or couples with income under $1573, the state pays premiums for Part B.
- Qualified Individuals (QIs): For individuals with income under $1313 or for couples with an income under $1770, the state pays premiums for Part B.
Kentucky Access provides coverage to Kentucky residents on the basis of HIPAA and medical eligibility.
State Health Insurance Assistance Program (SHIP)
The Department for Aging and Independent Living (DAIL)contracts with 15 Area Development Districts (ADDs)to provide SHIP services. Access is available through a statewide toll-free telephone number and website that contains SHIP linkages. The Kentucky SHIP makes an effort to reach sspecial populations including the deaf and hard of hearing ,visually impaired and Hispanics through extended counseling opportunities in nontraditional settings and providing population-appropriate materials such as Spanish language and Braille brochures.
If you live in Kentucky, consult with one of our MedicareSolutions.com insurance specialists to get personal assistance that is specific to your area. One of our experienced specialists can compare plans in your area and help you find the Medicare insurance benefits that are right for your needs.