Medicare Supplement (Medigap) Policies

Kentucky does not mandate insurers to provide Medicare Supplement policies to any class of adults.

Mini-COBRA Policies (small group)

Kentucky mandates small employer continuation coverage for twelve months although group employers are allowed to drop some benefits (e.g. dental, vision).

Medicare Savings Program (premium support)

Kentucky has three Medicare Savings Programs:

Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $903 and for couples with a monthly income under $1215, the state pays all premiums for Part B and all Co-Pays and Deductibles for Part A & Part B.
Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1083 or couples with income under $1457, the state pays premiums for Part B.
Qualified Individuals (QIs): For individuals with income under $1219 or for couples with an income under $1640, the state pays premiums for Part B.

To qualify for any one of these programs, participants must have assets below $6600or be part of a couple with assets below $9910.

High-Risk Pool
Kentucky Access provides coverage to Kentucky residents on the basis of HIPAA and medical eligibility.
https://www.kentuckyaccess.com/index.cfm

State Health Insurance Assistance Program (SHIP)
The Department for Aging and Independent Living (DAIL) contracts with 15 Area Development Districts (ADDs) to provide SHIP services. Access is available through a statewide toll-free telephone number and website that contains SHIP linkages. The Kentucky SHIP makes an effort to reach special populations including the deaf and hard of hearing, visually impaired and Hispanics through extended counseling opportunities in nontraditional settings and providing population-appropriate materials such as Spanish language and Braille brochures.

http://www.chfs.ky.gov/dail/ship.htm

Low-Income Subsidy (“extra-help”) for Prescription Drugs:

This program is a subsidy for Part D recipients with resources under $13,070 (or $26,120 for a couple) to receive money towards a Medicare prescription drug plan. The benchmark of support is different depending on which region of the country you live in. In Kentucky in 2012, the low-income subsidy was $35.92 per month.

If you live in Kentucky, and you are interested in getting a Medicare Plan, please contact the Medicare experts at eAmeriFamily Insurance. They are industry veterans and will guide you through the process of getting the right Medicare, Medicare Advantage, MediGap Plan for you.