Best Medicare Supplement Plans in Kansas 2026
Kansas does not have a birthday rule, making your initial Open Enrollment Period critical. Farm Bureau Insurance offers the lowest Plan G at $141/mo and Plan N at $103/mo. Blue Cross Blue Shield of Kansas is the top local carrier. Over 35+ carriers serve Kansas.
Kansas Does Not Have a Birthday Rule
Kansas has no birthday rule or annual guaranteed switching window. After your initial six-month Open Enrollment Period, carriers can deny coverage or charge higher premiums based on your health. Your Open Enrollment Period, which starts when you turn 65 and enroll in Medicare Part B, is your most important window for choosing a Medigap plan. Contact Kansas SHICK at (800) 860-5260 for free counseling.
More than 115,000 Kansas residents have Medicare Supplement Insurance, also called Medigap. Kansas follows standard federal Medigap rules, offering plans A through N. The state does not have a birthday rule, which means your initial Open Enrollment Period is the most important window for choosing your plan.
Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). Plan G premiums in Wichita range from $141/mo (Farm Bureau Insurance) to over $215/mo (Transamerica) for a 65-year-old. The state average is $201/mo, so shopping carefully can save $60/mo or more.
Farm Bureau Insurance is the standout carrier in Kansas, offering both the lowest Plan G ($141/mo) and the lowest Plan N ($103/mo). It is a regional carrier with deep Kansas roots and a local agent network. Blue Cross Blue Shield of Kansas is the dominant local insurer and offers the lowest cost-sharing Plans K ($85/mo) and L ($125/mo). For seniors who want the broadest plan selection, Aetna and New Era Life offer five to six plan types each.
Compare the Best Medicare Supplement Plans in Kansas
Our top-rated Medigap carriers in Kansas, ranked by the MedicareFAQ Score. Rates shown are for a 65-year-old in the Wichita area and are updated for 2026.
Farm Bureau Insurance
Plan G
$141/mo/mo
Plan N
$103/mo/mo
AM Best
A
Farm Bureau Insurance offers the lowest Plan G ($141/mo) and Plan N ($103/mo) in Kansas, saving seniors up to $60/mo compared to the state average. It also has the lowest Plan A ($115/mo) and Plan D ($135/mo). Farm Bureau is a strong regional carrier with deep Kansas roots and a local agent network.
Wellcare
Plan G
$160/mo/mo
Plan N
N/A/mo
AM Best
A-
Wellcare offers the lowest Plan F in Kansas at $185/mo and a competitive Plan G at $160/mo. It is a solid option for seniors who became eligible for Medicare before 2020 and want the most comprehensive coverage available.
Aetna
Plan G
$195/mo/mo
Plan N
N/A/mo
AM Best
A
Aetna offers the lowest Plan B in Kansas at $199/mo and a wide range of plan types. It is a strong choice for seniors who want a nationally recognized carrier with broad plan availability and solid financial strength.
New Era Life
Plan G
$185/mo/mo
Plan N
N/A/mo
AM Best
A-
New Era Life offers the lowest Plan C ($190/mo) and Plan M ($107/mo) in Kansas. Plan M covers 50% of the Part A deductible and is a mid-tier option for healthy seniors who want lower premiums with moderate coverage.
Blue Cross Blue Shield of Kansas
Plan G
$193/mo/mo
Plan N
N/A/mo
AM Best
A
Blue Cross Blue Shield of Kansas is the dominant local carrier with the best rates for cost-sharing Plans K ($85/mo) and L ($125/mo). It is the top choice for seniors who want a Kansas-based carrier with a strong local provider network.
Kansas Medigap Premium Comparison
Monthly premiums for a 65-year-old in Wichita, Kansas. Rates are for standard Plan G, Plan N, and Plan F. Premiums vary by ZIP code, age, gender, and tobacco use.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Farm Bureau Insurance | $141 | $103 | N/A |
| Wellcare | $160 | N/A | $185 |
| New Era Life | $185 | N/A | N/A |
| Aetna | $195 | N/A | N/A |
| Blue Cross Blue Shield of Kansas | $193 | N/A | N/A |
| Mutual of Omaha | $198 | N/A | N/A |
| AARP/UnitedHealthcare | $210 | N/A | N/A |
| Transamerica | $215 | N/A | N/A |
Rates are for a 65-year-old in Wichita, Kansas. N/A indicates the plan is not offered by that carrier in Kansas. Plan F is only available to Medicare beneficiaries who became eligible before January 1, 2020. Source: carrier rate filings, updated 2026.
Plan G vs. Plan N in Kansas
Plan G and Plan N are the two most popular Medigap plans for new enrollees in Kansas. Here is how they compare.
| Feature | Plan G | Plan N |
|---|---|---|
| Monthly premium (lowest KS rate) | $141/mo (Farm Bureau) | $103/mo (Farm Bureau) |
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered (with copays) |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Office visit copay | None | Up to $20 |
| ER visit copay (no admission) | None | Up to $50 |
| Best for | Frequent care, predictable costs | Healthy seniors, low monthly costs |
Kansas has no birthday rule, so your Open Enrollment Period at 65 is your best and often only chance to get guaranteed Medigap coverage. Farm Bureau Insurance at $141/mo for Plan G is the lowest in the state and has a strong Kansas presence, but it only offers four plan types. If you want the broadest plan selection, Aetna or New Era Life offer five to six plan types. For the lowest cost-sharing plans, Blue Cross Blue Shield of Kansas has Plan K at $85/mo and Plan L at $125/mo. Call Kansas SHICK at (800) 860-5260 for free, unbiased counseling before you enroll.
Kansas Medigap Rules You Should Know
No Birthday Rule in Kansas
Kansas does not have a birthday rule. After your initial Open Enrollment Period, you can apply to switch Medigap plans at any time, but carriers can deny coverage or charge higher premiums based on your health. Your initial enrollment window is the most important time to choose your plan.
Open Enrollment Period Is Your Best Window
Your six-month Open Enrollment Period starts when you turn 65 and enroll in Medicare Part B. During this window, carriers must accept you regardless of health conditions and cannot charge higher premiums for pre-existing conditions.
Farm Bureau Is Kansas-Specific
Farm Bureau Insurance is a regional carrier available in Kansas and select other states. It is not available nationwide. If you move out of Kansas, you may need to switch carriers.
Attained-Age Pricing Is Standard
Most Kansas carriers use attained-age pricing, meaning premiums increase as you get older. There are no community-rated carriers in Kansas. Locking in a low rate during your Open Enrollment Period is important.
Under-65 Coverage Not Required
Kansas insurers are not required to offer Medigap to Medicare beneficiaries under age 65 who qualify due to disability. Some carriers offer coverage voluntarily, but premiums are typically much higher.
Free Counseling Through Kansas SHICK
Kansas SHICK (Senior Health Insurance Counseling for Kansas) provides free, unbiased Medicare counseling. Call (800) 860-5260. SHICK counselors do not sell insurance and can help you compare Medigap plans across all available carriers.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best Rating)
AM Best ratings from A++ (superior) to A- (excellent). Higher ratings indicate greater ability to pay claims.
Premium Competitiveness
Plan G and Plan N premiums compared to Kansas state averages. Lower premiums relative to the state average score higher.
Pricing Method
Issue-age and community-rated plans score higher than attained-age plans due to greater long-term premium stability.
Plan Availability
Carriers offering more plan types (especially G, N, F, K, L) score higher for flexibility.
Customer Satisfaction
NAIC complaint ratios and J.D. Power scores. Lower complaint ratios and higher satisfaction scores earn higher ratings.
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, carrier rate filings, CMS Medicare Plan Finder
Frequently Asked Questions
Compare Kansas Medigap Rates Before Your Open Enrollment Window Closes
Kansas has no birthday rule. Your Open Enrollment Period is your best opportunity for guaranteed coverage. Farm Bureau Insurance offers Plan G from $141/mo and Plan N from $103/mo. BCBS Kansas has Plan K at $85/mo. Call Kansas SHICK at (800) 860-5260 for free counseling.