Medigap in Kentucky: 2026 Average Premiums
| Plan | Estimated Monthly Premium | Part A Deductible | Part B Coinsurance |
|---|---|---|---|
| Plan G (most popular) | $120/month | Covered | 100% covered |
| Plan N | $98/month | Covered | Covered (with copays up to $20) |
| Plan F (pre-2020 only) | $138/month | Covered | 100% covered |
| Plan K | $54/month | 50% covered | 50% covered |
| Plan L | $72/month | 75% covered | 75% covered |
Medicare Supplement Insurance in Kentucky
Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Kentucky. The most popular plan — Plan G — has an average monthly premium of $120 in Kentucky, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).
Medigap Plan Comparison in Kentucky
| Benefit | Plan G | Plan N | Plan F* | Plan K | Plan L |
|---|---|---|---|---|---|
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance/copayment | ✓ | ✓ (copays) | ✓ | 50% | 75% |
| Blood (first 3 pints) | ✓ | ✓ | ✓ | 50% | 75% |
| Part A hospice coinsurance | ✓ | ✓ | ✓ | 50% | 75% |
| Skilled nursing facility coinsurance | ✓ | ✓ | ✓ | 50% | 75% |
| Part A deductible | ✓ | ✓ | ✓ | 50% | 75% |
| Part B deductible | ✗ | ✗ | ✓ | ✗ | ✗ |
| Part B excess charges | ✓ | ✗ | ✓ | ✗ | ✗ |
| Foreign travel emergency (80%) | ✓ | ✓ | ✓ | ✗ | ✗ |
| Estimated monthly premium in Kentucky | $120 | $98 | $138* | $54 | $72 |
*Plan F is only available to people who became eligible for Medicare before January 1, 2020.
When to Buy Medigap in Kentucky
The best time to buy Medigap in Kentucky is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Kentucky cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.
Medigap vs. Medicare Advantage in Kentucky
Choosing between Medigap and Medicare Advantage in Kentucky depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $7.6/month in Kentucky) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Kentucky is rated 3.8 stars by CMS.
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