Medicare Supplement

Is Medigap in Lexington Right for Your Coverage?

If you live in Lexington and you're pairing Original Medicare with a Medigap policy, the first thing to know is that Medigap plans are standardized by letter across most of the country. That means a Plan G sold by one company covers the same core benefits as a Plan G sold by another. What changes is the price and the company behind it — not the benefits on the page.

Kentucky follows the federal standardized letters, so your choices in Lexington come from the same menu used in most states. Lexington sits in Fayette County, and while Medicare Advantage plan availability is set at the county level, Medigap is regulated at the state level, which means the letters below are what any Kentucky resident can shop.

The plan letters you can buy in Kentucky

If you're newly eligible for Medicare today, Kentucky offers these standardized Medigap letters: A, B, D, G, G-High Deductible, K, L, M, and N. Each letter is a fixed package of benefits set by federal rules. Plan G at one insurer covers the same things as Plan G at another; the difference is what each company charges and how it raises rates over time.

Two letters — C and F — are only available to people who became eligible for Medicare before January 1, 2020. If that's you, you can still buy or keep them. If you turned 65 after that date, they're off the table.

Massachusetts, Minnesota, and Wisconsin standardize Medigap differently, but Kentucky doesn't — so the federal letter chart is what applies here.

How Medigap fits with Original Medicare and Part D

Medigap is designed to pair with Original Medicare (Part A hospital and Part B medical). After Medicare pays its share, your Medigap policy picks up some or all of what's left — things like coinsurance, copays, and, depending on the letter, the Part A or Part B deductible.

Medigap does not include prescription drug coverage. If you want drug coverage, you enroll in a stand-alone Part D plan separately. In 2026, Part D has a $2,100 annual out-of-pocket cap and a maximum deductible of $615. The old coverage gap ("donut hole") was eliminated in 2025, so Part D now works in three phases. You can also opt into the Medicare Prescription Payment Plan, which spreads your drug costs evenly across the year.

One more important rule: you can't have both a Medicare Advantage plan and a Medigap policy at the same time. Medigap only works with Original Medicare.

The rules that shape your choice in Kentucky

Timing matters more than most people realize. During your Medigap Open Enrollment Period — the six months that begin the month you're 65 and enrolled in Part B — insurers must sell you any Medigap policy they offer at their best available rate, regardless of your health. This is called guaranteed issue.

Outside that window, in most cases insurers in Kentucky can use medical underwriting, which means they can review your health and either charge more or decline coverage. There are limited federal guaranteed-issue rights outside the initial window (for example, if certain coverage ends involuntarily), and some states have added protections beyond federal law. For Kentucky-specific rights and any special enrollment situations, check with the Kentucky Department of Insurance or your local SHIP counselor — they can walk you through your case.

How Medigap policies are priced

Every insurer selling Medigap uses one of three pricing methods:

• Community-rated — everyone pays the same, regardless of age.
• Issue-age-rated — your price is based on your age when you buy in; it doesn't go up just because you get older.
• Attained-age-rated — your price rises as you age.

Two policies with the same letter can cost very different amounts over 10 or 20 years depending on which method the company uses. When you compare quotes, ask which pricing method applies — it matters as much as the starting premium.

How to shop in Lexington

Because we can't list specific insurers or premiums here, use these free tools to see what's actually sold in your ZIP code:

• Medicare.gov Medigap policy search — enter your Lexington ZIP code to see every insurer selling Medigap policies to Kentucky residents, along with the letters each one offers.
• Kentucky Department of Insurance Medigap rate guide — this state-published guide shows sample rates by carrier and helps you compare apples to apples.
• Kentucky SHIP (State Health Insurance Assistance Program) — free, unbiased one-on-one counseling. They don't sell anything.
• 1-800-MEDICARE — for questions about Original Medicare, Part D, and how the pieces fit.

The table on this page lists the standardized letters available to newly eligible Kentuckians. Use it as a starting point, then compare quotes on the same letter from several insurers.