A non-government entityMyMedicarePlans
Speak to a Licensed Insurance Agent
855-729-3240 TTY: 711
Monday – Friday: 7am – 9pm CST
HomeMedicare SupplementKentuckyMedigap in Kentucky for 2027: 25 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Kentucky for 2027: 25 Insurers and the Plans They Sell

LOUISVILLE, Ky. — Kentuckians who want help paying the costs Original Medicare leaves behind have a familiar tool to consider for 2027: a Medicare Supplement policy, better known as Medigap. For the Louisville ZIP code 40202, Medicare.gov's Medigap policy search lists 25 insurers selling standardized plans, and the choice of which plan letter to buy — and from which company — is the shopper's to make.

See Medicare Supplement options in your area

Compare Medicare Supplement options near you

Answer 3 quick questions to see Medicare Supplement listings from licensed insurance partners.

✓ Free  ·  ✓ Takes 20 seconds  ·  ✓ No name, phone, or email needed

What’s your ZIP code?

Plan availability is set by your county, so we start here.

How old are you?

This helps match you with options you’re eligible for.

Do you have Medicare Parts A & B?

This affects which Medicare Supplement options you can choose.

Medicare Supplement options in your area

These listings are provided by licensed insurance partners.

MEDIGAP RATE ALERT

Your Medigap rate went up. Your benefits didn't.

Medicare supplement benefits are standardized — identical at any carrier. The only difference is what you pay. One call compares current rates in your area.

  • Same plan letter = same benefits, by law
  • No fall deadline — switch any month, if your health qualifies

Available now — current wait: 0 min

A real person answers. No phone menu, ever.

Call 855-729-3240
A rate check takes about 5 minutesfree · no obligation

Want to see more plan options?

Answer a few more questions to continue to additional options from licensed partners.

Continue →

Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov or 1-800-MEDICARE.

Speak to a Licensed Insurance Agent

Click to call 855-729-3240

TTY: 711
Monday - Friday 7am - 9pm CST

Key takeaways

  • Medicare.gov's Medigap policy search lists 25 insurers for ZIP code 40202, selling standardized plans A, B, C, D, F, F-HD, G, G-HD, K, L and N.
  • The six-month Medigap Open Enrollment Period begins the month you are both 65 or older and enrolled in Part B, and it is the window with the strongest buying protections.
  • If your Medicare Advantage plan is one of the 21 in Kentucky that is offered in 2026 but will not be offered anywhere in the state in 2027, you have a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not include prescription drug coverage, so a stand-alone Part D plan is chosen separately during Annual Enrollment 2027, October 15 – December 7, 2026.
Medicare SupplementKentucky
Video: SHVETS production Video by SHVETS production on Pexels
MM
ED
AI
By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·10 min read·✓ Reviewed
Key facts: Medicare in Kentucky
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.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 Kentucky?

Medigap is private insurance that works alongside Original Medicare (Part A and Part B) to help pay cost-sharing like coinsurance and copays. It is not Medicare Advantage. A Medicare Advantage plan replaces how you get your Part A and Part B benefits through a private plan, often with a network and often with drug coverage built in. A Medigap policy, by contrast, sits on top of Original Medicare: you keep Original Medicare, use any provider that accepts it nationwide, and your Medigap policy pays its share of the gaps defined by the federal standardized plan letter you chose.

You cannot use a Medigap policy with a Medicare Advantage plan. You pick one lane or the other for how your Part A and Part B costs are handled.

Which insurers sell Medigap in Kentucky and which plan letters do they offer?

For ZIP code 40202, Medicare.gov's Medigap policy search lists 25 insurers. What is sold can differ by ZIP code within Kentucky and by age, sex and tobacco use. The companies and the standardized plan letters shown for each are:

Across all the listings, the plan letters offered by at least one insurer are A, B, C, D, F, F-HD, G, G-HD, K, L and N. Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

What is the Medigap Open Enrollment Period and why does it matter in Kentucky?

The Medigap Open Enrollment Period is a six-month window that starts the first month you are both 65 or older and enrolled in Medicare Part B. During that window, you can buy any Medigap policy sold in Kentucky from any insurer that offers it, and the insurer cannot use your health history to turn you down or charge you more.

Outside that six-month window, insurers in most situations can require medical underwriting, which means your application can be reviewed based on your health. That is why the dates of your own Part B enrollment matter so much: they define a period when the door is widest.

What happens in Kentucky if my Medicare Advantage plan is not returning for 2027?

If your Medicare Advantage plan was offered in Kentucky in 2026 but will not be offered anywhere in the state in 2027, you have a federal guaranteed-issue right to buy certain Medigap plans. CMS Landscape files show 21 such Medicare Advantage plans in Kentucky for the switch into 2027. Guaranteed issue means that, within the window Medicare sets, qualifying insurers must sell you specific Medigap plans without using your health to deny coverage or set a higher price.

Other situations also create guaranteed-issue rights — for example, losing certain employer retiree coverage. Medicare.gov describes which Medigap plans qualify and the deadlines that apply.

Does Medigap cover prescriptions in Kentucky?

No. Modern Medigap policies do not include prescription drug coverage, so Kentuckians who want drug coverage choose a stand-alone Medicare Part D plan separately. For 2027, Part D has an out-of-pocket cap of $2,400 (up from $2,100 in 2026), and the most any Part D plan may charge as a deductible is $700. The Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33 for 2027; actual plan premiums are set plan by plan.

Annual Enrollment 2027 runs October 15 – December 7, 2026, with choices taking effect January 1, 2027. That is the window to pick or switch a Part D plan to go with Original Medicare and your Medigap policy.

How should I compare Medigap policies in Kentucky?

Start with the plan letter, because every insurer that sells, say, Plan G in Kentucky must offer the same federally standardized benefits under that letter. Once you know the letter you want, the comparison across insurers comes down to things like premium, how premiums are set and change over time, customer service and billing practices. Use Medicare.gov's Medigap policy search for your own ZIP code, and request the outline of coverage directly from each insurer.

Also note: the Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which can affect household budgeting for premiums.

Where can Kentuckians get free help with Medigap?

Free, official help is available at Medicare.gov and by calling 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. Both can walk you through Medigap rules, Part D enrollment and guaranteed-issue rights without charging you and without steering you to a specific insurer.

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.

$0$50$100$150$200200820122016202020242026

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.

Compare with a licensed agent

See Medicare options & speak with a licensed agent

Provided by licensed insurance partners; MyMedicarePlans.org may be compensated. Not a ranking or endorsement of any plan.

Explore

The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

Explore

When can you enroll? An interactive year

JFMAMJJASOND
October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

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

How many insurers sell Medigap in Kentucky for ZIP code 40202?
Medicare.gov's Medigap policy search lists 25 insurers for ZIP code 40202. The plan letters sold by at least one of them are A, B, C, D, F, F-HD, G, G-HD, K, L and N. What is available can differ by ZIP code within Kentucky and by age, sex and tobacco use.
Can I be turned down for a Medigap policy in Kentucky because of my health?
During your six-month Medigap Open Enrollment Period — which starts when you are both 65 or older and enrolled in Part B — insurers cannot use your health history to deny you or charge more. Outside that window, in most situations, insurers can use medical underwriting unless you qualify for a guaranteed-issue right.
My Medicare Advantage plan is leaving Kentucky for 2027. What are my options?
You are one of the members affected by the 21 Medicare Advantage plans offered in Kentucky in 2026 that will not be offered anywhere in the state in 2027. That gives you a federal guaranteed-issue right to buy certain Medigap plans within the window Medicare sets, and you can also choose a different Medicare Advantage plan or return to Original Medicare with a stand-alone Part D plan during Annual Enrollment 2027, October 15 – December 7, 2026.
Does a Medigap policy include drug coverage in Kentucky?
No. To get prescription drug coverage with Original Medicare and a Medigap policy, you enroll in a stand-alone Medicare Part D plan. For 2027, Part D plans have a $2,400 out-of-pocket cap, and no plan may charge a deductible higher than $700.
Sources & further reading
  • 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

Figures cited in this article

  • Medicare.gov Medigap policy search: the 25 insurers listed for ZIP code 40202 and the plan letters each sells.
  • CMS Landscape Source Files: the count of 21 Medicare Advantage plans offered in Kentucky in 2026 and nowhere in the state in 2027.
  • Medicare.gov: Annual Enrollment 2027 dates and Medigap Open Enrollment and guaranteed-issue rules.
  • CMS: the 2027 Part D out-of-pocket cap ($2,400), maximum Part D deductible ($700) and base beneficiary premium ($41.33).
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent COLA 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.

Content Integrity Standards

  • No invented figures. Program-level numbers come from CMS / Medicare.gov; we never use placeholder data.
  • No plan recommendations. This is educational content. We don't score or recommend specific plans; any Star Ratings shown are Medicare's own CMS ratings, stated as published.
  • AI-assisted, human-reviewed. Articles are produced with AI-assisted tools and reviewed by the responsible desk before publishing.
  • Inline sourcing. Facts and figures are cited to primary sources — CMS, SSA, and Medicare.gov.
  • Correction transparency. We fix errors openly and note when a page was last updated.
  • Not a government site. MyMedicarePlans.org is privately owned and not affiliated with or endorsed by Medicare or any government agency.

This page was last updated: October 2026.

Medigap rate went up? A rate check is freeCall