Medicare Supplement Rates in Kentucky
In Kentucky, finding the right Medicare Supplement plan is essential for managing healthcare costs. Because Kentucky uses an attained-age rating system, your Medigap premiums will increase each year as you age, making it crucial to compare rates regularly. Kentucky Medicare beneficiaries have access to a mix of national and regional insurance carriers, creating a competitive market for Medigap plans.
Kentucky Average Monthly Rates (Age 65, Female Non-Smoker)
Kentucky Medicare Supplement Rates by Carrier
Kentucky carrier rates — click headers to sort
Carrier | Plan G | Plan N | Plan F | Rating |
|---|---|---|---|---|
| Aetna | $151/mo | $116/mo | $179/mo | A |
| Aflac | $139/mo | $106/mo | $165/mo | A+ |
| CIGNA | $143/mo | $109/mo | $170/mo | A |
| Manhattan Life | $136/mo | $104/mo | $162/mo | A- |
| Best ValueMedico | $132/mo | $99/mo | $158/mo | A |
| Mutual of Omaha | $148/mo | $114/mo | $176/mo | A+ |
| United American | $134/mo | $102/mo | $160/mo | A |
| Best ValueUnitedHealthcare (AARP) | $168/mo | $129/mo | $198/mo | A+ |
Rates are estimates for a 65-year-old female non-smoker. Actual rates vary by age, gender, and tobacco status.
💰 Kentucky Savings Tip
Kentucky's attained-age rating means your Medigap premiums will increase over time. Reviewing your plan annually and comparing rates from different carriers can help you find a more affordable option as you get older. Switching plans can save you hundreds each year.
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How to Switch Medicare Supplements in Kentucky
You can switch Medicare Supplement plans at any time in Kentucky, but your acceptance is NOT guaranteed outside of open enrollment or a guaranteed issue period. If you are outside of these periods, the insurance company can deny coverage or charge a higher premium based on your health.
Compare rates
See what other carriers charge for the exact same plan
Apply with new carrier
Simple application, often approved same day
Cancel old policy
Once new coverage starts, cancel your old plan
Kentucky Medicare Supplement Plans
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