Medicare Supplement

Overland Park Medigap in 2026: rules, resets, filings

OVERLAND PARK, Kan. — If you have a Medigap policy in Johnson County, or you are shopping for one, a handful of things quietly shift each year. The plan letters you can buy depend on when you first became eligible for Medicare, the Part B deductible that Plans G and N are built around resets every January, insurers file new rates with the Kansas Insurance Department on their own schedules, and the roster of companies selling in the state can change from one year to the next. Here is a plain-English guide to what is moving heading into 2026, and how to check the details for yourself.

Medicare SupplementOverland Park, KS

What "changing" actually means for Medigap

Unlike Medicare Advantage and Part D, Medigap does not have a once-a-year "Annual Enrollment Period" where everyone re-shops. Federal law standardizes the plan letters, so a Plan G is a Plan G no matter who sells it. What changes from year to year is narrower but still matters:

• Which plan letters you personally qualify to buy.
• The federal cost figures the plans are built around, such as the Part B deductible.
• The premium a carrier charges, filed with the state.
• Which carriers are in the Kansas market, as insurers enter or exit.

The plan-letter rule that trips people up

Because of a 2015 federal law (MACRA), Medigap plans that pay the Part B deductible are no longer sold to people who became eligible for Medicare on or after January 1, 2020. In practice, that means:

• If you were eligible for Medicare before January 1, 2020, you can still buy Plans C and F (including the high-deductible F), and you can keep the one you have.
• If you became eligible on or after January 1, 2020, your choices among newly issued policies are Plans A, B, D, G, G-HD, K, L, M and N.

This is a federal rule, not a Kansas rule, but it shapes every conversation with an Overland Park agent. If someone offers to "switch you to Plan F," check your eligibility date first.

The yearly Part B deductible reset

Plans G and N — the two most-shopped letters for new enrollees — do not cover the Part B deductible. Every January, that deductible resets to a new amount set by CMS. Until you meet it, you may pay out of pocket for outpatient care before your Medigap starts filling in the gaps. The dollar figure changes each year; the current amount is posted at medicare.gov under "Medicare costs."

High-deductible Plan G works differently: you pay a much larger annual deductible before the policy pays, in exchange for a lower premium.

Rate-adjustment season in Kansas

Medigap premiums are not set by Medicare or by CMS. Each insurer files proposed rates with the Kansas Insurance Department, and changes typically take effect on the policy's anniversary or on a set annual date, depending on the carrier. Two things to know:

1. A rate change on your policy does not mean the plan's benefits changed — Plan G still covers what Plan G covers. 2. You can look up filings and consumer rate guides at insurance.kansas.gov, and you can call the department's consumer assistance line with questions.

If you get a renewal notice with a higher premium, it is worth comparing what other carriers charge for the same lettered plan before you decide. Just remember that switching after your initial six-month Medigap open enrollment window usually means answering health questions (medical underwriting), and you can be turned down.

Insurers entering or leaving the Kansas market

The list of companies selling Medigap in Kansas shifts modestly from year to year. The table below this article shows every insurer currently selling Medigap here and the plan letters each one offers — from AARP – UnitedHealthcare Insurance Company at the top of the alphabet through Wisconsin Physicians Service Insurance Corporation at the end. If a carrier stops writing new Medigap business in Kansas, existing policyholders are generally not dropped, but new applicants would need to look elsewhere. For the current, official list, use the Medigap policy search at medicare.gov/medigap-supplemental-insurance-plans.

How Overland Park readers can check the details

• Medicare.gov Medigap policy search — enter your ZIP code (Overland Park sits in ZIPs including 66204, 66207, 66210, 66212, 66213, 66214 and 66223) to see plans and estimated premiums.
• Kansas Insurance Department at insurance.kansas.gov — for rate filings and consumer guides.
• Senior Health Insurance Counseling for Kansas (SHICK) — the state's free SHIP program, which offers unbiased counseling.
• 1-800-MEDICARE — for federal rules and general questions.