The health insurance agents at Buffalo Health Advisors in Nashville, TN are licensed and trained to help people in Kentucky get Medicare coverage. To help potential Medicare beneficiaries find and receive the right coverage, our agents are well versed in Kentucky Medicare Advantage plans.

We know that Medicare is confusing, but our insurance agents are more than capable of helping you effectively navigate the Kentuck Medicare marketplace.

Buffalo Health Insurance Agents help seniors in Kentucky find the best medicare advantage plans in kentucky

How to Get a Kentucky Medicare Advantage Plan

Medicare seems to get more complicated every year. The first thing our health insurance agents do is help you evaluate your medical needs. As we examine your medical history and expectations for the next few years, our agents will match your needs with Kentucky MA plans.

Keep in mind that our insurance agents operate more as advisors. So, we will never try to pressure you into buying an insurance plan that you don’t want. We will help you explore your options, explain the benefits of each plan, help you save time, and simplify the process.

How to Join a Medicare Advantage Plan in KY

The first step of joining a MA plan is to sign up for Original Medicare. Original Medicare plans are made up from Medicare Part A and Medicare Part B. These plans provide the same coverage throughout the country, but advantage plans coverage varies from state to state.

Keep in mind that if you have coverage through your employer or your spouse’s employer, you will probably lose that coverage if you switch to another healthcare plan.

Seniors searching for Kentucky Medicare Advantage plans without the help of a health insurance agent.

Kentucky Medicare Advantage Plans

If you’ve already started searching for Kentucky Advantage coverage, you’ve probably already found many plans with similar benefits. Most advantage plans offer similar benefits with only slight variations between providers. So, if you’re not well informed or used to the language used for describing plan benefits, it can be hard to find the right plan.

Our expert health insurance agents can help you sort through your MA plan options and make the process simple. Call our agents today to get help finding the right plan today.

By way of introduction, the four most common type of MA Plans include:

PPO Plans

Kentucky preferred provider organization plans give beneficiaries access to a network of medical providers who offer discounted coverage. The provider organization can offer discounted coverage rates due to the government funding that subsidizes the costs of the plan.

Beneficiaries of PPO plans will receive discounted care so long as they visit the providers within the plan’s provider area. If you must receive out-of-network coverage, you will have to pay higher premiums and out-of-pocket medical costs.

HMO Plans

A Kentucky Health Maintenance Organization plan is an affordable way for Medicare beneficiaries to take care of their health. These plans are attractive to people who are in good health who do not need regular access to out-of-network care.

When compared to PPO plans, HMOs are more limited. When someone joins an HMO, they will have to select a primary care physician (PCP). Anytime you need to see a specialist for a health concern, you will have to visit your PCP and get a referral.

Additionally, anyone with an HMO will not receive coverage outside of the plan’s coverage area.

PFFS Plans

Kentucky private-fee-for-service plans provide coverage funded by private health insurance companies. PFFS plans are also known as Medicare Part C. These plans can be the most difficult to sort through because the companies that fund the plans set their own coverage terms.

To simplify your process of looking for a PFFS plan, call one of our expert health insurance agents to help you find a plan with specific benefits.

Special Needs Plans

These plans are available to beneficiaries who need extra support and who meet specific requirements. SNPs, provide coverage for people with chronic conditions, nursing home residents, and people with dual Medicare and Medicaid eligibility.

Medicare beneficiaries in Kentucky who require extra medical care may qualify for a special needs plan (SNP). Potential subscribers must meet certain requirements in order to join an SNP. First, the potential beneficiary must be receiving financial aid from either social security or the Railroad Retirement Board. Second, they must also have a chronic condition that requires frequent medical attention and support.

SNPs, unlike other Medicare Advantage plans can be joined by people under the age of 65. You must also be enrolled in Original Medicare when you apply for an SNP.

Chronic conditions that may qualify you for a Kentucky SNP include:

  • Cancer
  • Chronic heart failure
  • Chronic and disabling mental health conditions (dementia, Alzheimer’s, etc)
  • Diabetes mellitus
  • End-stage renal disease
  • Stroke
This is a solicitation for insurance

Help Finding Kentucky Medicare Advantage Plans

We know just how hard it is to find the right Medicare Advantage plan. Our licensed health insurance agents and advisors make Medicare simple. Call Buffalo Health Advisors today to speak with an insurance agent about finding the right Kentucky Medicare plan for you.

This is a solicitation for insurance

Compare Quotes

Compare Medicare Advantage plans to find the best match for your personal needs with no obligation!

This is a solicitation for insurance


This is a solicitation for insurance