Best Medicare Advantage Plans Kansas 2025

Exploring the best medicare advantage plans Kansas 2025?

This guide cuts through the clutter to help you understand which options stand out in coverage, costs, and additional benefits.

Whether you’re new to Medicare Advantage or looking to switch plans, we provide a clear overview that aids your decision-making process without overwhelming you with jargon or excessive detail.

 

Key Takeaways

  • UnitedHealthcare, Aetna, and Humana are top Medicare Advantage Plan providers in Kansas for 2025, distinguished by their comprehensive coverage, extensive medical services, and broad service areas.

 

 

  • The selection of Medicare Advantage Plans varies by county in Kansas, with quality and costs affected by regional availability. Our website helps you compare plans side-by-side and even enroll online yourself!

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Top Medicare Advantage Plans in Kansas for 2025

Among the Kansas Medicare Advantage plans, certain ones distinguish themselves. Picture this as a golden wheat field, with three towering silos representing UnitedHealthcare, Aetna, and Humana.

 

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These insurers are the giants in the field, offering comprehensive coverage and earning high CMS star ratings, a sure sign of their quality and performance.

The top Medicare Advantage plans in Kansas are:

 

  1. AARP Medicare Advantage Choice Plan 2, provided by UnitedHealthcare – hailed as the leading overall plan with all-encompassing coverage and a superior CMS star rating.
  2. Aetna – known for its highly rated HMO plans that provide comprehensive medical coverage, including preventive care, emergency services, and hospitalization, along with distinctive wellness programs.
  3. Humana – offers a wide range of Medicare Advantage plans with varied benefits, catering to a broad spectrum of healthcare needs. Humana extends its services to all 105 counties in Kansas.

 

These plans provide reliable and comprehensive Medicare coverage for Medicare beneficiaries in Kansas.

 

UnitedHealthcare: Best Overall Plan

Much like a robust lighthouse, UnitedHealthcare’s AARP Medicare Advantage Choice Plan 2 guides Kansas residents amidst the complexities of Medicare Advantage plans. Its comprehensive coverage and high CMS star rating make it a beacon of reliability in the healthcare landscape.

Upon closer examination, UnitedHealthcare’s array of plans – Erickson Advantage Freedom, Liberty, Liberty no Rx, and Signature – all proudly bear a 5-star rating by CMS.

With such an impressive lineup, UnitedHealthcare’s plans offer comprehensive health insurance coverage that meets the diverse needs of Medicare beneficiaries in Kansas.

 

Aetna: Top HMO Plan

Aetna’s Medicare Advantage HMO plans in Kansas offer extensive medical coverage, including:

 

  • Preventive care
  • Emergency services
  • Hospitalization
  • Prescription drug coverage

 

These plans allow members to effectively manage their health.

Moreover, Aetna’s HMO plans offer the following benefits:

 

  • Distinctive wellness programs that aim to foster and sustain good health
  • Highways connecting you to wellness
  • Bolstering the overall well-being of their members

 

Aetna’s HMO plans are therefore not just about coverage; they are about fostering a culture of health and wellness.

 

Humana: Largest Service Area

Humana’s prowess is in its extensive coverage. It caters to all 105 counties in Kansas, thus becoming the insurer with the most expansive service area. Humana’s Medicare Advantage plans are as diverse as the Kansas landscape, covering both urban and rural areas.

Specific offerings from Humana include plans like the UHC Dual Complete KS-S001 (HMO-POS D-SNP), available in numerous counties including Allen, Anderson, and Atchison, and the UHC Nursing Home Plan KS-F001 (PPO I-SNP), provided in counties such as Johnson and Wyandotte.

With monthly premiums ranging from $33.80 to $43.30 and a standard annual deductible of $545, Humana offers diverse benefits and coverage options suitable for a range of healthcare needs in Kansas.

 

Comparing Key Features of Top Kansas Medicare Advantage Plans

The right Medicare Advantage plan necessitates a meticulous comparison of crucial features such as:

 

  • premiums
  • out-of-pocket expenses
  • provider networks
  • supplementary benefits

 

It’s akin to shopping for a new car, where you need to consider factors like cost, performance, and customer satisfaction.

 

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Are you aware that Kansas residents will have access to a total of 92 Kansas Medicare Advantage Plan options in 2025, marking a minor increase from 90 plans in the preceding year?

In Kansas, around 63% of the Medicare Advantage Plans are available with no premium costs. This makes affordable healthcare options more accessible for residents.

Thus, to select the most suitable Medicare Advantage plan, a thorough analysis of these key features is required:

 

  • Coverage and benefits
  • Network of doctors and hospitals
  • Prescription drug coverage
  • Cost-sharing (deductibles, copayments, coinsurance)
  • Extra benefits (dental, vision, hearing)
  • Quality ratings

 

By considering these factors, you can make an informed decision and choose the plan that best meets your healthcare needs.

 

Premiums and Out-of-Pocket Costs

In terms of premiums and out-of-pocket expenses, it’s about identifying a balance that aligns with your budget and healthcare requirements. Picture this as a seesaw, where you need to balance the weight of your monthly premiums with your potential out-of-pocket costs.

For instance, the average premium for Medicare Advantage plans in Kansas in 2025 is $9.90, despite residents having access to $0 monthly premium plans in every county. Out-of-pocket costs, such as the annual maximum amounts for Aetna Medicare Premier (HMO-POS), can range from $3,600 to $3,850 depending on the county.

Therefore, understanding these costs and how they can vary by location within Kansas is vital for managing your annual healthcare spending.

 

Provider Networks and Access

Selecting a Medicare Advantage plan is comparable to picking a home – the location is significant.

In this case, the location refers to your healthcare provider’s network. Just like you would want to live close to essential amenities, you would want your Medicare Advantage plan to cover your preferred primary care doctors and specialists.

Understanding a plan’s referral and prior authorization rules is crucial, as it affects access to specialist services and certain medical procedures. So, before settling on a plan, ensure it covers your preferred doctors and healthcare facilities, and understand the rules for using them.

 

Additional Benefits

Supplementary benefits provided by Medicare Advantage plans can be considered as a bonus, much like the cherry on top of a sundae. Medicare Advantage plans offer the same coverage as Original Medicare and also provide additional benefits such as:

 

  • Prescription drug coverage
  • Dental coverage
  • Vision coverage
  • Hearing aids coverage
  • Fitness benefits

 

These additional benefits make most Medicare Advantage plans a popular choice for many beneficiaries, often leading them to search for the best Medicare Advantage plan among those that offer Medicare Advantage plans.

For example, UnitedHealthcare’s AARP Medicare Advantage Choice Plan 2 is an example of an AARP Medicare Advantage Plan that offers additional benefits such as vision, fitness, dental, hearing, an eyewear allowance, and 24/7 telephonic access to a nurse.

In Kansas, Aetna’s Medicare Advantage plans offer Resources for Living, a 24-hour nurse line, and prescription delivery. Additionally, members can access SilverSneakers fitness membership, OTC benefits, and meals-at-home post-hospitalization.

Therefore, when choosing a plan, consider these additional benefits that align with your healthcare priorities.

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Navigating the Kansas Medicare Advantage Landscape

Navigating through the Kansas Medicare Advantage landscape is akin to traversing the state’s varied geography.

From the rolling hills of the Flint Hills to the flat expanse of the High Plains, the landscape of Medicare Advantage plans in Kansas is equally varied. From HMO, PPO, to PFFS models, there’s a plan to suit every individual’s healthcare needs.

 

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Twelve insurance carriers are offering Medicare Advantage plans in Kansas in 2025, including Kansas Blue Medicare Advantage and other providers such as:

 

  • UnitedHealthcare
  • Humana
  • Aetna
  • Blue Cross Blue Shield of Kansas

 

However, these plans vary regionally, influenced by ZIP code, which affects the availability of providers and plans in specific counties.

 

HMO Plans

Within the context of Medicare Advantage plans, HMOs resemble a tight-knit community where each member has a specified role. Members are required to choose a primary care physician from within the plan’s network, and typically need referrals to see specialists.

While these plans may seem restrictive, they can be beneficial for those who prefer a coordinated approach to their healthcare. However, they usually restrict members from visiting out-of-network providers, except in emergencies.

 

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So, if you’re someone who values the familiarity of a dedicated primary care physician and a well-coordinated network of specialists, an HMO plan might just be your ideal choice.

 

PPO Plans

PPO plans can be compared to a vibrant city where you have the liberty to explore. They offer the flexibility for members to choose their healthcare providers from both within and outside the plan’s network.

Moreover, members often can see specialists without needing a referral, enhancing the convenience and speed of accessing healthcare. So, if you value flexibility and the freedom to choose your healthcare providers, a PPO plan might be your ideal match.

 

PFFS Plans

PFFS plans, also known as Private Fee-for-Service plans, can be equated to an open market where you have the flexibility to pick and choose your providers. They allow enrollees the freedom to use any Medicare-approved provider that accepts the plan’s payment terms without requiring a primary care doctor or specialist referrals.

However, providers have the discretion to decide on a visit-by-visit basis if they will accept the PFFS plan’s terms and may charge up to the amount Original Medicare would for some services. These plans independently determine their own payment structure and inform members of any changes to their costs annually.

So, if you value the freedom to choose your healthcare providers and don’t mind the variability in costs, a PFFS plan could be right for you.

 

County-Specific Medicare Advantage Plan Insights

Just as Kansas encompasses 105 unique counties, the array of Medicare Advantage plan offerings is equally diverse. Not all Medicare Advantage plans are available statewide; some are limited to specific regions or counties.

Furthermore, the quality and cost of Medicare Advantage plans can fluctuate considerably by county, influencing the value offered to its residents.

 

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Hence, understanding these county-specific differences is crucial when choosing plans, considering both the types of service areas that plans cover and the county-by-county variation in plan quality and cost.

 

Top Plans by County

Just as each county in Kansas has its unique appeal, each one also boasts its highly rated Medicare Advantage plans. A five-star rating from CMS is an indicator of excellence for Medicare Advantage plans, providing Kansas residents with quality options for their healthcare coverage.

For example, UnitedHealthcare’s Erickson Advantage plans have all earned the highest CMS rating of five-stars. The available plans include:

 

  • Erickson Advantage Freedom
  • Erickson Advantage Liberty
  • Erickson Advantage Liberty no Rx
  • Erickson Advantage Signature

 

Kansas residents can determine the availability of these high-quality, five-star rated plans in their particular county by using the Medicare.gov plan finder tool and entering their ZIP code.

 

Comparing Costs Across Counties

The expenses associated with Medicare Advantage plans in Kansas, including monthly premiums and out-of-pocket costs, can show significant disparities across urban, suburban, and rural counties.

For instance, monthly premiums experience significant variation by county, with Jewell County averaging $43.41 and Comanche County averaging $19.33. Maximum in-network out-of-pocket costs among Kansas counties range from $2,020 in Comanche County to $3,835.71 in Elk County.

Therefore, understanding these costs and how they can vary by location within Kansas is vital for managing your annual healthcare spending.

Tips for Choosing the Right Medicare Advantage Plan in Kansas

Choosing the right Medicare Advantage plan is akin to finding the optimal route on a road trip. You need to assess your healthcare needs, compare prescription drug coverage, and consider provider networks.

 

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Each of these factors is crucial. Just like you wouldn’t embark on a road trip without considering the distance, fuel costs, and available amenities along the way, you shouldn’t select a Medicare Advantage plan without considering these crucial factors.

 

Assess Your Healthcare Needs

As you embark on your Medicare Advantage journey, the initial step involves evaluating the frequency of your medical service requirements. This is essential to determine the suitability of high-deductible versus low-deductible plans.

For individuals with higher healthcare utilization, selecting a plan with higher monthly premiums and low copayments/out-of-pocket limits may be beneficial. However, those with lower utilization may prefer plans with low or zero-dollar premiums but higher out-of-pocket maximums and deductibles.

Therefore, understanding your healthcare needs and how they align with the cost structure of different plans is crucial in your decision-making process.

 

Compare Prescription Drug Coverage

Another important aspect to consider when selecting a Medicare Advantage plan is prescription drug coverage. It’s like the fuel that keeps your car running; without it, you won’t get far.

Comparing the formulary, or list of covered drugs, of each Medicare Advantage plan is important since formularies can differ significantly between plans. Also, consider the annual cost of prescriptions and if the total is expected to exceed the threshold for entering the Medicare donut hole or coverage gap.

 

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Therefore, ensuring your medications are covered at an affordable cost is vital when choosing a Medicare Advantage plan.

 

Consider Provider Networks

Lastly, you should consider provider networks to ensure continued care with your preferred healthcare providers. It’s like having a reliable mechanic on your road trip – you want to be confident that you can access quality care when you need it.

Ensure your preferred doctors and healthcare facilities are covered under your chosen plan, and understand the rules for using them. Also, if you travel frequently or live in multiple states throughout the year, finding a plan with a wider network or coverage in several locations is advisable.

 

Resources for Medicare Advantage Enrollment in Kansas

While navigating the Medicare Advantage landscape can be complex, Kansas residents fortunately have several resources at their disposal. Some valuable aids for understanding insurance options and navigating the enrollment process include:

 

  • The Kansas Insurance Department
  • SHIP (State Health Insurance Assistance Program)
  • SHICK (Senior Health Insurance Counseling for Kansas)
  • Medicare.gov

 

These resources can provide guidance and support to help Kansas residents make informed decisions about their Medicare Advantage plans and Medicaid services.

Whether it’s through unbiased counseling from SHIP, information from SHICK, or comparing plans using the Medicare.gov plan comparison tool, these resources can be instrumental in helping you make an informed decision about your Medicare Advantage plan.

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Summary

In conclusion, choosing the right Medicare Advantage plan in Kansas is a journey that requires careful navigation. By examining top plans like UnitedHealthcare, Aetna, and Humana, comparing their key features, understanding different plan types, and considering county-specific insights, you can find a plan that fits your healthcare needs and budget.

Remember, the right Medicare Advantage plan is like a trusty vehicle that gets you where you need to go in terms of healthcare. So, evaluate your healthcare needs, compare prescription drug coverage, consider provider networks, and use available resources to find the plan that will keep you healthy and financially secure on your healthcare journey.

 

 

Frequently Asked Questions

 

Which Medicare Advantage plan has the highest rating?

The highest-rated Medicare Advantage plan is offered by Humana, which receives high quality ratings, good customer satisfaction, widespread availability, and several $0-per-month plans.

Customers have reported better quality of health care compared to other providers, including AARP/UHC.

 

Is Medicare premiums going down in 2025?

The Medicare premiums for 2025 are indeed increasing. The standard monthly premium will rise to $174.70 from $164.90 in 2023.

 

Why are people leaving Medicare Advantage plans?

People are leaving Medicare Advantage plans due to excessive prior authorization denial rates and slow payments from insurers. These issues have been commonly cited as reasons for the exodus.

 

What is the biggest disadvantage of Medicare Advantage?

The biggest disadvantage of Medicare Advantage is the limitation in the choice of doctors and medical offices, which could result in increased costs for those with complex healthcare needs.

 

What is the best overall Medicare Advantage plan in Kansas for 2025?

The best overall Medicare Advantage plan in Kansas for 2025 is UnitedHealthcare’s AARP Medicare Advantage Choice Plan 2, praised for its comprehensive coverage and high CMS star rating.

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We can help make the process of finding the right Medicare Advantage plan easy.

To get started enter your zip code above to compare plans in your area, and even enroll online yourself!

Or, call us today to speak to one of our licensed insurance agents who can answer your questions and help find the best plan to fit your needs.

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