Medicare Supplement
Medigap in Kansas for 2027: 26 Insurers and the Plans They Sell
WICHITA, Kan. — For Kansans on Original Medicare, a Medicare Supplement policy — commonly called Medigap — is the piece that helps pay the out-of-pocket costs Parts A and B leave behind. Medicare.gov's Medigap policy search lists 26 insurers for ZIP code 67202, selling a range of federally standardized plan letters. Here is what the state's listings show heading into 2027, plus the rights and timing every shopper should know.
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Click to call 855-729-3240Key takeaways
- Medicare.gov's Medigap search lists 26 insurers for ZIP code 67202, offering plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N among them.
- Your strongest shot at any Medigap policy without medical underwriting is the six-month Medigap Open Enrollment Period that begins when you are 65 or older and enrolled in Part B.
- 23 Medicare Advantage plans offered in Kansas in 2026 will not be offered anywhere in the state in 2027, giving affected members a federal guaranteed-issue right to buy certain Medigap plans.
- Medigap does not include drug coverage, so a stand-alone Part D plan is a separate decision during Annual Enrollment, October 15 – December 7, 2026.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
What is Medigap and how is it different from Medicare Advantage in Kansas?
Medigap is private insurance that works alongside Original Medicare (Parts A and B) to help pay coinsurance, copays and deductibles. It does not replace Medicare. Medicare Advantage (Part C), by contrast, is an alternative way to get your Part A and Part B benefits through a private plan, often with extra features and network rules. You cannot use a Medigap policy to pay costs under a Medicare Advantage plan — the two are not combined. Medigap benefits are standardized by letter under federal rules, so Plan G from one Kansas insurer covers the same federally defined benefits as Plan G from another; what can differ is the premium, the company's service and, for high-deductible versions, the deductible that applies before benefits begin.
Which insurers sell Medigap in Kansas, and what plan letters do they offer?
Medicare.gov's Medigap policy search for ZIP code 67202 lists 26 insurers. What any one Kansan is actually offered can vary by ZIP code and by age, sex and tobacco use. The alphabetical list and plan letters shown in that search:
- AARP – UnitedHealthcare Insurance Company (A, B, C, F, G, K, L, N)
- AARP – UnitedHealthcare Insurance Company of America (A, F, G, N)
- Aetna Health Insurance Company (A, B, F, G, G-HD, N)
- AFLAC (A, F, G, N)
- American Benefit Life Insurance Company (A, F, G, N)
- Atlantic Capital Life Assurance Company (A, F, G, G-HD, K, N)
- Bankers Life (Underwritten by Washington National Insurance Company) (A, F, G, G-HD, N)
- BlueCross BlueShield Kansas Solutions Inc (A, C, F, G, G-HD, K, L, N)
- Everence Association Inc. (A, F, G, L, N)
- GPM Health and Life Insurance Company (A, F, G, N)
- Guarantee Trust Life Insurance Company (A, F, G, N)
- HealthSpring Insurance Company (A, F, G, G-HD, N)
- Humana (Humana Benefit Plan of Illinois, Inc.) (A, F, G, G-HD, N)
- Insurance Company of North America (A, F, G, G-HD, N)
- Kansas Farm Bureau Health Plans (A, D, G, N)
- LifeShield National Insurance Company (A, F, G, N)
- Lumos Insurance (A, F, G, G-HD, N)
- Medico Life and Health Insurance Company (A, F, F-HD, G, G-HD, N)
- Mutual of Omaha (United World Life Insurance Company) (A, F, G, G-HD, N)
- Nassau Life Insurance Company (A, F, G, N)
- New Era Life Insurance Company (A, C, F, F-HD, G, G-HD, M, N)
- Old Surety Life Insurance Company (A, F, G)
- State Farm Mutual Automobile Insurance Company (A, C, D, F, G, N)
- United American Insurance Company (A, B, C, D, F, F-HD, G, G-HD, K, L, N)
- USAA Life Insurance Company (A, F, G, N)
- Wisconsin Physicians Service Insurance Corporation (A, C, F, G, N)
Across the Kansas list, plan letters sold by at least one insurer include A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.
What is the six-month Medigap Open Enrollment Period in Kansas and why does it matter?
Your Medigap Open Enrollment Period is a one-time, six-month window that starts the first month you are 65 or older and enrolled in Medicare Part B. During it, any Kansas insurer selling Medigap must sell you any policy it offers, cannot use your health history to deny coverage, and cannot charge you more because of past or current health problems. Outside that window, insurers in most situations may use medical underwriting, which can affect whether you can switch or buy at all. For most Kansans, this one window is the easiest moment of their lives to pick up a Medigap policy.
What are guaranteed-issue rights in Kansas, including if my Medicare Advantage plan is not returning in 2027?
A guaranteed-issue right is a federal protection that requires insurers to sell you certain Medigap policies, cover your pre-existing conditions and not charge you more because of your health. One of the most common triggers is losing coverage through no fault of your own. According to CMS Landscape files, 23 Medicare Advantage plans offered in Kansas in 2026 will not be offered anywhere in the state in 2027. Members of a plan that is not returning get a federal guaranteed-issue right to buy certain Medigap plans. Your plan's non-renewal notice will spell out the window and the Medigap letters you qualify to buy; Medicare.gov and 1-800-MEDICARE can confirm the rules that apply to your situation.
Does Medigap cover prescriptions in Kansas, or do I need a separate Part D plan?
Medigap sold today does not include prescription drug coverage, so Kansans who want help paying for prescriptions enroll in a stand-alone Medicare Part D plan separately. A few 2027 Part D figures are already set: the out-of-pocket cap is $2,400 (up from $2,100 in 2026), the maximum deductible any Part D plan may charge is $700, and the base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Actual plan premiums are set plan by plan. Annual Enrollment for 2027 runs October 15 – December 7, 2026, with choices taking effect January 1, 2027.
How should I compare Medigap policies in Kansas?
Start by picking a plan letter that matches the coverage you want, since all policies with the same letter cover the same federally defined benefits. Then compare the premiums different Kansas insurers charge for that same letter, how they set future rate increases (for example, by age at purchase versus by community), and the company's customer-service record. Use Medicare's Medigap policy search at medicare.gov to pull current quotes for your ZIP code, and read the outline of coverage each insurer provides. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which may affect your monthly cash flow as you budget for premiums.
Where can Kansans get free help with Medicare questions?
Medicare.gov is the official place to compare Medigap policies, Part D plans and Medicare Advantage options for your ZIP code, and 1-800-MEDICARE (1-800-633-4227) is available 24 hours a day, seven days a week, to answer questions and walk through enrollment. Both are free. For plan-specific details — networks, formularies, premiums and benefits — ask the insurer directly or use the Medicare Plan Finder.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
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When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Good to know
Frequently asked questions
Do I have to buy Medigap from a Kansas-based company?
Can I switch Medigap policies later in Kansas?
If my Medicare Advantage plan is not returning in 2027, what Medigap plans can I buy?
Does Medigap cover my Part D prescription drugs?
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- Medicare.gov Medigap policy search
Figures cited in this article
- Medicare.gov Medigap policy search: the list of 26 Kansas insurers and the plan letters they sell for ZIP code 67202.
- CMS Landscape Source Files: the count of 23 Medicare Advantage plans offered in Kansas in 2026 that will not be offered anywhere in the state in 2027.
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): standardized plan letters, the six-month Medigap Open Enrollment Period, guaranteed-issue rights, and the 2020 closure of Plans C and F to newly eligible beneficiaries.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment dates of October 15 – December 7, 2026 for coverage effective January 1, 2027.
- CMS: the 2027 Part D out-of-pocket cap of $2,400, maximum Part D deductible of $700, and base beneficiary premium of $41.33.
- Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.