When to Apply for Kansas Medicare Supplements
Kansas Medicare Supplemental insurance plans help you control how much you pay out-of-pocket for medical treatment and health care. These plans can be applied to various expenses like deductibles, coinsurance and co-pays.
Kansas Medicare Supplement Plans
If you’re 65 or older and enrolled in a Medicare Part A and B, you qualify for Kansas Medicare Supplement plans. If you are under 65, you can still apply if you have a disability and qualify for Medicare. Not all states have a stipulation that requires carriers to offer plans to those on disability under 65. The good news is, the state does offer all 10 supplement plans in this case. Kansas Medicare Supplement rates are the same for those on disability as it is for those who have reached the age of 65.
When to Apply:
You can apply for Kansas Medicare Supplements whenever you want, but you’ll only be able to take advantage of Open Enrollment the first six months after obtaining Medicare Part B. The six-month Open Enrollment Period usually begins the first day of the month after you turn 65 AND your Part B has become effective.
When you apply during your OEP, you get guaranteed issue. This means a provider cannot deny you coverage due to any pre-existing health conditions or charge you higher rates than those currently on the same plan who are considered healthy. Kansas Medicare Supplemental health insurance can be of tremendous help for those who want to save on health care costs.
Rules for Pre-Existing Conditions
Many worry about how disqualifying medical conditions are treated among the different carriers. You can only be denied coverage if enrolling outside of the Open Enrollment Period. You may still be covered under another carrier even if you are rejected by one company. Not all insurance companies treat pre-existing conditions the same.
Some may simply impose a six month waiting period for those with conditions who applied outside their OEP and weren’t given guaranteed issue. Different companies can define what they consider to be disqualifying conditions for KS Medicare Supplemental insurance. While one pre-existing condition can be treated as a disqualifying one with one carrier, the condition may not be treated the same with another carrier.
Kansas Medicare Supplement Plan Comparison
In our Kansas Medicare Supplement plan comparison, will review the most popular plans, Plan N, K and L.
Kansas Medicare Supplement Plan N does include a good amount of coverage. Aside from the basic policy benefits, it includes coverage for any coinsurance related to Skilled Nursing Facility care, your deductible for Medicare Part A, and travel emergency care outside of the United States. However, it’s the only supplement plan that requires a small copayment for office visit and emergency room visits.
Plans K and L are considered cost-sharing plans, they each have an out-of-pocket limit and only cover a percentage of any out-of-pocket cost for coinsurance, co-payments and deductibles. Neither of these plans will cover your Part B deductible or excess charges and it won’t cover any foreign travel medical care. Medicare Supplement Plan K out-of-pocket maximum is $5,120 and Plan L has an out-of-pocket maximum of $2,560.