Medigap in Medicare Supplement Plans in Kentucky 2025 – What it covers and how to enroll
Medicare Supplement Insurance (Medigap) helps Kentucky seniors and qualifying disabled residents manage costs not fully covered by Original Medicare, including deductibles, copayments, and coinsurance. In Kentucky, insurers may offer up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Most Popular Medigap Plans in Kentucky
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 105,312 |
| 2 | G | 77,883 |
| 3 | N | 21,299 |
Note: Plans E, H, I, and J have been discontinued nationwide. Pre-standardized plans refer to policies sold before July 1992 and are no longer issued.
How Medigap Pricing Works in Kentucky
The way insurers set Medigap premiums can have a major impact on your long-term costs. Kentucky policies may use one of three pricing methods:
- Attained-age rated – Premiums increase as you grow older.
- Issue-age rated – Premiums are based on your age when you purchase the policy and may rise with inflation, not age.
- Community rated – Everyone in the same area pays the same premium, regardless of age.
Under-65 Eligibility in Kentucky
Medigap is not limited to retirees. Individuals under 65 with disabilities or end-stage renal disease (ESRD) may also qualify. Kentucky law requires insurers to offer their full lineup of Medigap plans to beneficiaries under 65. Premiums for this group cannot exceed the weighted average rate paid by enrollees over 65.
To compare coverage and costs for your area, use our Medigap rate comparison tool or review popular options like Plan G and Plan N.