Medicare Supplement

Medigap in Overland Park: which plan letters Kansas still lets you buy

If you live in Overland Park and are pairing Original Medicare with a Medicare Supplement policy — often called Medigap — the first thing to know is that your choices come from a short menu of standardized plan letters set by federal law. Kansas follows those federal standards, so a Plan G bought from one insurer covers the same core benefits as a Plan G bought from another. What changes between companies is the price, the customer service, and sometimes the underwriting rules — not the benefits inside the letter.

Medicare SupplementOverland Park, KS

How Medigap fits with the rest of your Medicare

Medigap is designed to sit next to Original Medicare. Medicare pays its share of a covered hospital or doctor bill first, and your Medigap policy picks up some or all of what is left — things like the Part A hospital deductible, coinsurance, and extra hospital days. It does not replace Medicare, and it does not work with a Medicare Advantage plan. If you are enrolled in Advantage, you cannot also use a Medigap policy.

Medigap also does not cover prescription drugs. That is why most Overland Park residents with a Medigap policy also sign up for a stand-alone Part D drug plan. In 2026, Part D has a $2,100 out-of-pocket cap, a maximum deductible of $615, and the old "donut hole" coverage gap is gone — replaced by three simpler phases. If drug costs land unevenly during the year, the Medicare Prescription Payment Plan lets you spread them across monthly bills.

The plan letters Kansas offers

Overland Park is in Johnson County, and the same standardized federal letters are sold statewide. If you are new to Medicare today, the letters available to you are:

• A, B, D, G, G-HD, K, L, M, N
• C and F remain available only to people who were eligible for Medicare before January 1, 2020.

Because each letter is standardized, the benefits inside Plan G, for example, are identical from company to company. That makes shopping simpler: pick the letter that matches the level of coverage you want, then compare insurers on price and service.

Three states — Massachusetts, Minnesota and Wisconsin — standardize Medigap differently. Kansas is not one of them, so the federal letters apply here.

What actually differs between insurers

If the benefits inside each letter are the same, what should you look at? A few things:

• Premium. Rates vary by company, age, tobacco use, and sometimes ZIP code. Ask how the insurer prices policies (issue-age, attained-age, or community-rated) because that affects how the premium changes over time.
• Underwriting. Outside of your guaranteed-issue windows, insurers in Kansas can ask health questions and decline coverage.
• Household or other discounts. Availability varies by carrier.
• Financial strength and service reputation.

The table on this page lists every insurer selling Medigap in Kansas, from AARP - UnitedHealthcare Insurance Company through Wisconsin Physicians Service Insurance Corporation, along with the letters each one offers. Some carriers, such as Aetna Health Insurance Company, Medico Life and Health Insurance Company, and New Era Life Insurance Company, offer high-deductible variants (G-HD or F-HD). Others, such as Kansas Farm Bureau Health Plans, offer a shorter menu. Use the table to see which companies sell the letter you are considering.

The enrollment window that matters most

The single most important date for a Medigap shopper is the start of your six-month Medigap open enrollment period. It begins the month you are 65 or older and enrolled in Medicare Part B. During those six months, any Medigap insurer selling in Kansas must sell you any policy they offer at the same price a healthy person pays. They cannot turn you down for health reasons.

Once that window closes, insurers can use medical underwriting on most applications. Federal law gives you a few "guaranteed issue" rights later — for example, if an employer plan ends or a Medicare Advantage plan you joined at 65 is not working out during your trial right. Kansas does not have a statewide "birthday rule" like a handful of other states, so for questions about specific rights outside the federal ones, check with the Kansas Insurance Department or your local SHIP counselor.

How Medigap and Part D work together each year

Medigap policies generally renew automatically as long as you pay the premium. Your Part D drug plan is separate and can be reviewed every fall during the Annual Enrollment Period, October 15 through December 7. That is the time to check whether your drug plan still covers your medicines at a price that works for you. The Medicare Advantage Open Enrollment Period (January 1 – March 31) does not apply to Medigap.

One more figure worth knowing: IRMAA — the income-related surcharge on Part B and Part D premiums — starts above $109,000 in income for a single filer in 2026. It affects your Medicare premiums, not your Medigap premium directly.

Where to get personal help in Overland Park

Because a Medigap decision is long-term and personal, get help from a source that does not sell policies:

• Medicare.gov has a Medigap policy search that shows every plan sold by ZIP code.
• 1-800-MEDICARE (1-800-633-4227) is staffed 24/7.
• Kansas SHICK (Senior Health Insurance Counseling for Kansas) is the state's SHIP program, offering free one-on-one counseling.
• The Kansas Insurance Department publishes annual Medigap rate guides.