Medicare in Kentucky

Kentucky has a Medigap birthday rule. Once a year, around your birthday, you can switch to the same Medigap plan with a different insurer without answering health questions. The exact window length and rules are set by state regulators, so the details matter. Outside that window, and outside your original six-month Medigap Open Enrollment Period, standard medical underwriting usually applies.

Pinnacle Insurance Advisors is licensed in Kentucky. Our independent advisors compare Medicare Supplement, Medicare Advantage, and Part D options available where you live, explain the trade-offs in plain English, and help you enroll, all at no cost to you. Most Kentucky clients work with us entirely by phone.

Kentucky's change applies to Medicare supplement policies available, issued, or renewed on or after January 1, 2024. The Department of Insurance describes a yearly open enrollment period within 60 days of your birthday, during which you can switch insurers for the same plan you currently have, with guaranteed issue and no health based pricing.