Kansas has one of the healthiest Medigap markets in the country, with over 30 approved carriers competing for your business. That competition means lower premiums and more choices for Kansas residents on Original Medicare. With a Medicare Advantage penetration rate of just 35%, the majority of Kansas seniors rely on Medigap plans like Plan G and Plan N for their supplemental coverage.
Why Kansas Residents Choose Medigap Over Medicare Advantage
Kansas is a largely rural state where Medicare Advantage provider networks can be limited. Many Kansas seniors prefer Medigap because it offers:
- Freedom to see any Medicare-accepting doctor — no referrals or network restrictions
- Nationwide coverage — critical for Kansas residents who travel or snowbird
- Predictable out-of-pocket costs — no surprise bills after the Part B deductible
- 65% of Kansas Medicare beneficiaries are on Original Medicare and need supplemental coverage
Plan G vs. Plan N in Kansas: Which Is Right for You?
Plan G is the most comprehensive Medicare Supplement plan available. It covers everything except the annual Part B deductible ($257). After you meet that deductible, you pay $0 out of pocket for all Medicare-approved services — no copays, no coinsurance, no surprise bills.
Plan N is typically 15–25% cheaper per month than Plan G. The trade-off: you may pay up to $20 for some doctor visits and up to $50 for emergency room visits that don’t result in admission. For healthy seniors who rarely visit the doctor, Plan N can save hundreds per year.
Medicare Plan G Rates in Kansas by Carrier
Kansas has an exceptionally competitive Medigap market. Here are actual Plan G rates from the Kansas Insurance Department for a 65-year-old female non-smoker (Topeka area, ZIP 66615):
Issue-Age Rated Carriers (Premium Locked at Purchase Age)
| Carrier | Annual Premium | Monthly Estimate |
|---|---|---|
| Old Surety Life Insurance | $1,686 | $141/mo |
| Transamerica | $2,503 | $209/mo |
| Everence Association | $2,639 | $220/mo |
Attained-Age Rated Carriers (Top 10 Lowest Premiums)
| Carrier | Annual Premium | Monthly Estimate |
|---|---|---|
| Resource Life Insurance | $1,521 | $127/mo |
| Atlantic Capital Assurance | $1,532 | $128/mo |
| LifeShield National | $1,648 | $137/mo |
| MedMutual Life | $1,679 | $140/mo |
| Members Health Insurance | $1,693 | $141/mo |
| ACE Property & Casualty | $1,739 | $145/mo |
| Nassau Life of Kansas | $1,762 | $147/mo |
| HealthSpring Insurance | $1,771 | $148/mo |
| BlueCross BlueShield Kansas | $2,047 | $171/mo |
| AARP/UnitedHealthcare | $2,451 | $204/mo |
Rates sourced from the Kansas Insurance Department Shopper’s Guide. Your actual premium may vary based on age, gender, tobacco use, and zip code. Call 1-888-781-6026 for a personalized quote.
Medicare Plan N Rates in Kansas
Plan N rates in Kansas start as low as $73/month for a 65-year-old, making it one of the most affordable Medigap options in the state. Here are representative Plan N rates:
| Carrier | Monthly Estimate | Rating Method |
|---|---|---|
| Lowest Available Rate | $73–$95/mo | Attained-Age |
| Resource Life Insurance | $95–$110/mo | Attained-Age |
| BlueCross BlueShield Kansas | $120–$145/mo | Attained-Age |
| AARP/UnitedHealthcare | $140–$170/mo | Attained-Age |
| Mutual of Omaha | $110–$140/mo | Issue-Age |
| State Farm | $130–$160/mo | Issue-Age |
| Humana | $145–$175/mo | Attained-Age |
Plan N rates are typically 15–25% lower than Plan G. Call 1-888-781-6026 for your personalized Plan N quote.
Does Kansas Have a Medigap Birthday Rule?
Yes! Kansas has a birthday rule that gives you a 30-day window around your birthday each year to switch Medigap plans without medical underwriting. During this window:
- No health questions asked — guaranteed acceptance regardless of pre-existing conditions
- Switch to any plan of equal or lesser value from any carrier
- Lock in a lower rate if a competing carrier offers better pricing
- The window runs 30 days before through 30 days after your birthday
This is a powerful tool for Kansas residents who want to shop for lower rates without risk. Call 1-888-781-6026 before your birthday to compare your options.
How Kansas Regulates Medigap Pricing
Kansas allows both issue-age and attained-age rating methods for Medigap plans:
- Issue-age rated: Your premium is based on your age when you first buy the policy. It won’t increase just because you get older — only general rate increases apply. Best for long-term savings.
- Attained-age rated: Premiums start lower but increase as you age. May be cheaper initially but costs more over time.
The Kansas Insurance Department must approve all Medigap rate increases, providing an extra layer of consumer protection. Kansas also offers a free Medicare Supplement Shopper’s Guide to compare rates from all approved carriers.
Top Medigap Insurance Companies in Kansas
Kansas has one of the most competitive Medigap markets in the country with 30+ approved carriers. Top carriers include:
- BlueCross BlueShield Kansas — largest health insurer in the state with strong provider relationships
- AARP/UnitedHealthcare — nationally recognized with extensive Medicare experience
- Mutual of Omaha — Midwest-based with competitive issue-age rates
- State Farm — well-known brand with local agent support
- Transamerica — competitive issue-age Plan G rates
- Humana — large national carrier with attained-age pricing
- Aetna — broad network and competitive rates
- Old Surety Life — lowest issue-age Plan G rate in Kansas
Medicare Supplement Costs by City in Kansas
Medigap premiums can vary by zip code within Kansas. Here’s how Plan G and Plan N rates compare across major Kansas cities:
| City | Plan G Range | Plan N Range |
|---|---|---|
| Wichita | $127–$210/mo | $73–$150/mo |
| Overland Park | $130–$215/mo | $75–$155/mo |
| Kansas City (KS) | $128–$212/mo | $74–$152/mo |
| Topeka | $127–$208/mo | $73–$148/mo |
| Olathe | $130–$215/mo | $75–$155/mo |
| Lawrence | $128–$210/mo | $74–$150/mo |
| Manhattan | $125–$205/mo | $72–$147/mo |
Get Your Free Kansas Medicare Supplement Quote
With 30+ carriers competing in Kansas, finding the right plan at the right price takes expert guidance. As independent brokers, we compare rates from every major carrier to find you the best deal — at no cost to you.
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- 📅 Schedule a free consultation
Plan N is the most affordable option, with rates starting as low as $73 per month for a 65-year-old. For comprehensive coverage, Plan G starts around $127 per month with attained-age carriers.
Yes. Kansas offers a 30-day window around your birthday each year where you can switch Medigap plans without medical underwriting. You can move to any plan of equal or lesser value from any carrier.
Kansas has over 30 approved Medicare Supplement carriers, making it one of the most competitive Medigap markets in the country. This competition helps keep premiums affordable.
Issue-age policies lock your rate at your purchase age and tend to save money long-term. Attained-age policies start cheaper but increase as you get older. If you plan to keep your policy for many years, issue-age is usually the better value.
The best time is during your 6-month Medigap Open Enrollment Period, which starts when you turn 65 and enroll in Medicare Part B. During this window, you have guaranteed acceptance with no medical underwriting. After that, you can use Kansas’s birthday rule annually to switch plans.