With 29 Part D plan options available in Kansas, you have tons of choices that range in the breadth of coverage, monthly premiums, and more. Find your perfect plan here. 

Medicare Part A, Part B, Part C, Part D…what does it all really mean? If you’ve recently become eligible for Medicare coverage, you might be overwhelmed with the options that lie ahead. We’re here to break it all down one step at a time so you can choose the best coverage for your unique situation. To put things simply, here’s what each part covers:

    • Medicare Part A: Hospital insurance
    • Medicare Part B: Medical insurance 
    • Medicare Part C: Parts A and B combined, plus extra benefits (also known as Medicare Advantage)
    • Medicare Part D: Prescription drug coverage

When it comes to Medicare Part D, some people may decide to bypass this because they assume they don’t take enough prescriptions to make purchasing a plan worth it. However, if you don’t enroll in Part D during your Initial Enrollment Period, you risk building up late-enrollment penalty fees for every month you don’t have prescription drug coverage as a Medicare beneficiary. That’s why it’s recommended to enroll in at least the most basic coverage from the start.

If you’re stuck on where to begin, we’ll walk you through the top considerations you should make when choosing a Medicare Part D plan in Kansas. Let’s get started.

Did you know that you can use the Insurify Medicare comparison tool to find the right Medicare prescription plan for you? Enter your ZIP code to find plans in your area. Try it now!

 

 

What Are the Best Prescription Drug Plans in Kansas?

Finding the best Part D plan is completely dependent on your preferences and needs. Since each person’s healthcare needs are so personal, it can be difficult to rank and recommend one Part D plan as being the “best.”

With that in mind, coming up with a list of your preferences and needs doesn’t need to be difficult. Here are some questions you might consider:

    • What prescriptions am I currently taking?
    • Do I have a medical or family history that may suggest the need for prescriptions in the future?
    • How much can I afford to spend out of pocket on prescription medications?
    • Which pharmacies are near me that I enjoy going to? Is it on the insurance plan‘s preferred pharmacy list?
    • Do I want the option to order prescriptions by mail?

Once you’ve answered important questions like these, you’ll have guidelines to compare your coverage options. Here, we review the eight top-rated Medicare Part D plans based on the Centers for Medicare & Medicaid Services (CMS) star rating system, which takes into account factors like the plan’s drug cost-sharing tiers (co-payments and coinsurance), monthly premiums, service area coverage, and more. 

#1 Blue MedicareRx Enhanced S5726-019 (PDP)

    • Monthly premium: $26.70
    • Deductible: $300
    • Star rating: 4/5

This plan has an affordable monthly premium, reasonable annual deductible, and low co-pays and coinsurance across the plan’s formulary. With this top-rated plan, Tier 1 generic drugs are free when purchased from one of the plan’s preferred pharmacies or ordered through the mail. Tier 2 generic drugs cost $2–$6, Tier 3 brand-name drugs have a 20 percent coinsurance, Tier 4 drugs have a 39 percent coinsurance, and Tier 5 specialty drugs have a 26 percent coinsurance

#2 Blue MedicareRx Plus S5726-014 (PDP)

    • Monthly premium: $60.80
    • Deductible: $0
    • Star rating: 4/5

Although this Part D plan has a monthly premium on the high side, the $0 deductible and low co-pays on generic drugs are attractive features. Tier 1 generic drugs are just $1–$3 and Tier 2 generic drugs are $3–$9 when purchased from a preferred pharmacy or ordered through the mail. Even at non-preferred pharmacies, the co-pays for generic drugs are reasonable and range between $15 and $45 for Tier 1 prescriptions.  

#3 Blue MedicareRx Value S5726-013 (PDP)

    • Monthly premium: $51.10
    • Deductible: $320
    • Star rating: 4/5

With affordable co-pays and coinsurance, this plan is a solid option if you take many prescription medications. When purchased through a preferred pharmacy or ordered through the mail, Tier 1 generic drugs are $1–$3, Tier 2 drugs are $2–$6, Tier 3 brand-name drugs are $37–$111, Tier 4 drugs have a 33 percent coinsurance, and Tier 5 drugs have a 25 percent coinsurance

#4 WellCare Classic S4802-088 (PDP)

    • Monthly premium: $30.30
    • Deductible: $445
    • Star rating: 4/5

Free is always nice—and with this plan, you receive free Tier 1 generic drugs when you purchase through the plan’s list of preferred pharmacies or order through the mail. If you purchase or order from a non-preferred pharmacy, then you can expect to pay a co-pay between $2 and $6, which is still very affordable. The coinsurance for Tier 4 drugs is also on the lower end, at 33 percent. 

#5 WellCare Value Script S4802-157 (PDP)

    • Monthly premium: $17.60
    • Deductible: $445
    • Star rating: 4/5

Out of these top-rated plans, this one has the second-lowest monthly premium. With this plan, you can get free Tier 1 generic drugs when purchased or ordered from a preferred pharmacy and enjoy low co-pays on Tier 2 generic drugs that range from $5 to $15. The 30-day supplies of Tier 3 drugs are just $43–$47, depending on if you purchase from a preferred or non-preferred pharmacy.

#6 WellCare Wellness Rx S4802-193 (PDP)

    • Monthly premium: $16.40
    • Deductible: $445
    • Star rating: 4/5

Out of all the plans on our list, this one comes with the lowest monthly premium. At just $16.10 per month, you can receive free Tier 1 generic drugs and enjoy overall low co-pays when you purchase through a preferred pharmacy. Tier 2 drugs cost $7–$21, Tier 3 drugs cost $40–120, Tier 4 drugs have a 46 percent coinsurance, and Tier 5 specialty drugs have a 25 percent coinsurance

#7 AARP MedicareRx Preferred S5820-023 (PDP)

    • Monthly premium: $88.10
    • Deductible: $0
    • Star rating: 3.5/5

If you’re prioritizing a zero-deductible plan with affordable co-pays, this plan may be a good match, even with its higher-than-average monthly premium. Tier 1 generic drugs are just $5–$15 for a 30-day supply, depending on whether you purchase from a preferred or non-preferred pharmacy. Tier 2 generic drugs are $10–$20, Tier 3 drugs are $45–$47, Tier 4 drugs have a 40 percent coinsurance, and Tier 5 drugs have a 33 percent coinsurance. With this plan, you can also order 90-day supplies of your prescriptions through the mail. 

#8 AARP MedicareRx Saver Plus S5921-369 (PDP)

    • Monthly premium: $33.80
    • Deductible: $445
    • Star rating: 3.5/5

With this plan, you’ll enjoy low co-pays and coinsurance, and you’ll also have the option to order prescriptions through the mail. The only caveat is that you can only order 90-day supplies of your prescriptions by mail and not 30-day supplies. The rates are very affordable, with Tier 1 generic drugs costing just $3 and Tier 2 generic drugs costing $21 for 90-day supplies.

Saving money on prescription drug plans is easy. Just use the Insurify Medicare comparison tool to find the right Medicare Part D plan for you. Uncover options in your area at no cost to you. Try it today!

How Much Does Medicare Part D Cost in Kansas?

The average premium for Part D plans in Kansas is $32, which is lower than the national average of $41. As we’ve reviewed in our top eight breakdown, your monthly premium could be as little as $16.40 per month.

It’s important to keep in mind that your Medicare Part D costs include more than just your monthly premium. Also take into account other expenses that add up, like your annual deductible and the plan’s drug costs

What Is Medicare Part D?

Medicare Part D is prescription drug coverage for Medicare beneficiaries. Although Part D is regulated by the government, plans are offered by private insurance companies. That’s why you’ll find a variety of options in each state. 

At first, this might seem overwhelming, but the amount of Medicare prescription drug plans available should be seen as plus—more options means you’re more likely to find a plan that works for your unique health needs. Typically, those enrolled in Original Medicare (Medicare Parts A and B) will also enroll in Medicare Part D.

What Coverage Phases Do Kansas Medicare Part D Plans Include?

Medicare Part D plans include three phases of coverage, each determining how much you pay for prescriptions throughout the year. While each plan will have its own formulary and costs associated with each coverage phase, the spending threshold for each phase is the same statewide:

    • Initial Coverage Phase: After you meet your plan’s annual deductible, the initial coverage phase kicks in. This phase includes a cost-sharing formulary that breaks down the prescription drug costs you’re responsible for and lasts until you spend $4,130.
    • Catastrophic Coverage Phase: When your annual out-of-pocket costs exceed $6,550, you enter this phase of coverage. You will typically pay the higher of $3.70 or 5 percent for generic drugs and $9.20 or 5 percent for brand-name drugs.
    • Gap Coverage Phase: This phase, also sometimes referred to as the “donut hole,” helps cover the gap between your initial coverage phase and the catastrophic coverage phase. Most plans offer a 25 percent coinsurance on prescriptions during this phase.

 

 

FAQ: Kansas Medicare Part D

Is Medicare Part D free?

No, there are no premium-free Part D plans available in Kansas. If affording a Part D plan is not in your budget, you can reach out to the federal Extra Help program, which provides financial assistance.

I have Medicare Supplement Insurance. Can I enroll in a Medicare Part D plan?

It depends. If your Medigap plan comes with prescription drug coverage, you cannot also have a stand-alone prescription drug plan. This is because you can only enroll in Medicare Part D as long as your current health plan does not already offer drug coverage. If you prefer to have a stand-alone Part D plan instead of the prescription drug coverage that your Medigap plan offers, you can contact your plan's provider and request that drug coverage be removed from your Medigap plan. Keep in mind that once you remove drug coverage from a Medigap plan, you can't get it back.

How do I know if I'm eligible for Medicare Part D coverage?

If you are a U.S. citizen or permanent resident over the age of 65, you are eligible for Medicare and can enroll in a Part D plan. There are other circumstances where you may qualify for Medicare coverage, such as being diagnosed with end-stage renal disease (ESRD) or having received Social Security Disability Insurance (SSDI) for 24 consecutive months. If you're unsure of your eligibility, you can always contact the CMS at www.Medicare.gov or by calling 1 (800) MEDICARE. TTY users can call 1 (877) 486-2048.

How do I enroll in a Medicare Part D plan?

You can enroll in a Part D plan during your Initial Enrollment Period, which begins three months before your 65th birthday and ends three months after. You can also choose to switch to a new Part D plan during the Open Enrollment Period, or even switch to a Medicare Advantage plan with prescription drug coverage. 

Conclusion: Finding the Best Medicare Part D Plan Online Is Easy

If you’re looking for the best Medicare Part D prescription drug plan, doing it all on your own has never been easier. Long gone are the days of having to find and work with a licensed insurance agent. With online tools that make comparison-shopping straightforward, you can take care of this in the comfort of your own home within minutes. 

Ready to shop plans now? Use the Insurify Medicare comparison tool to find the right Part D plan for you. Start with your ZIP code to compare plans today!

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Updated October 29, 2021

Emily Vasquez is a content marketing writer based in Tampa, Florida. A graduate from the University of South Florida, Emily has worked as a copywriter, communications lead, and content strategist for high-growth start-ups and global brands and retailers. You can learn more at www.emvwrites.com