What is Medigap Plan K?

Reviewed and Updated by Kelsey Davis,

Medicare Supplements are often referred to as Medigap plans. These plans provide financial benefits and help cover out-of-pocket expenses that Original Medicare does not, like copayments, coinsurance, and deductibles. More than 22% of Medicare beneficiaries are enrolled in a Medigap plan and enrollment has increased each year since 2010.

Medigap plans are broken down into ten standardized plans (A, B, C, D, F, G, K, L, M, and N). Each letter offers a different range of coverage at a different price point. You can evaluate which benefits are the most important to you and if you would rather pay a higher monthly premium for more benefits or pay less and receive less coverage.

Medicare Supplements are also popular because most are guaranteed renewable life, which means as long as you pay your premium on time, you will not be canceled from your plan due to new health conditions. Plus, Medicare Supplements are generally the same regardless of which carrier you enroll with. If you’re looking to supplement your Original Medicare, Medigap Plan K may be a good option.

What does Medigap Plan K Cover?

The fewer benefits a plan provides, the lower the monthly premium is. This means Plan K is cheaper than other plans on the market like Plan F or Plan G. Plan K covers:

  • Part A coinsurance and hospital costs
  • 50% of Part B coinsurance and copayments
  • 50% of bloodwork co-payments (up to 3 pints)
  • 50% of hospice coinsurance and copayments
  • 50% of skilled nursing facility coinsurance
  • 50% of your Part A deductible

Other benefits of Medicare Supplements include:

  • You’re able to keep your current doctor (as long as they accept Medicare)
  • You can see a specialist without needing a referral
  • Coverage travels with you throughout the U.S.
Medicare Supplements | Medicare Plan Finder

Plan K Costs

Medigap plans are generally the same regardless of which carrier you enroll with. This means if you want to enroll in Medicare Supplement Plan K, you will have the same coverage whether you enroll with Blue Cross Blue Shield, Cigna, or another carrier. However, while the coverage may be the same, the costs are not. The cost of your plan will vary based on your zip code, age, gender, and tobacco use. Our licensed agents can show you available plans in your area and help you enroll in a plan that fits your needs and budget. Fill out this form or give us a call at 844-431-1832.

Medicare Supplement Eligibility

Medicare Supplement plans are designed to work alongside Original Medicare. To be eligible, you must be enrolled in Part A and B first. Medicare Supplements are sold through private insurance companies. However, most states are not required to sell Medigap plans to beneficiaries under 65. This means if you qualified for Medicare through ESRD (end-stage renal disease), ALS (Lou Gehrig’s disease), or SSDI (Social Security Disability Income), you could be denied Medigap coverage. Your best bet is to speak with one of our licensed agents. They can help you look for any plans that are available to you and discuss plan specifics. Fill out this form or give us a call at 844-431-1832.

Plan K Reviews

Some of the top Medigap carriers for 2019 include:

  • AARP
  • Aetna
  • Amerigroup
  • Cigna
  • Humana
  • Mutual of Omaha
  • WellCare
Find Medicare Supplements | Medicare Plan Finder

AARP Medicare Supplement Plan K

AARP is a very popular choice when purchasing Medigap Plan K. AARP offers competitive rates that have only been increased an average of 2.9% over the last 5 years. They also provide fast service through the claims process. Most claims are processed within ten days or less. Lastly, AARP has a 98% customer satisfaction service rating. If you’re interested in enrolling in Medigap Plan K with AARP, fill out this form or give us a call at 844-431-1832.

Enroll in Medigap Plan K

You can enroll in a Medicare Supplement plan any time of the year, but if you wait too long, carriers can charge you more or deny you for your health conditions. The best time to enroll is during your initial enrollment period. During this time, you can enroll in any plan that is in your area and not be denied or charged more for pre-existing conditions. A licensed agent can show you available plans in your area and help you save money in the long-run. When you meet with one of our agents, there is never a cost to you and absolutely no obligation to enroll. Fill out this form or give us a call at 844-431-1832.

Contact Us | Medicare Plan Finder

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