Medicare Planning in Kansas City, MO/KS – Your 2026 Guide
Educate. Plan. Enroll. Local help for Kansas City metro residents turning 65 or reviewing coverage.
Why Choose Local Medicare Help in Kansas City?
As a Kansas City-area resident (including Johnson County KS, Jackson County MO, and surrounding areas), you have access to strong Medicare Advantage (MA) and Part D options in 2026. Our licensed agents serve the region from offices in Overland Park, KS (convenient for Johnson/Wyandotte Counties) and St. Joseph, MO (serving northwest Missouri). With 30+ years of experience and partnerships with top carriers like Humana, UnitedHealthcare, Aetna, and more, we simplify your choices.
We offer in-person, virtual (Zoom), or phone consultations – no pressure, just clear guidance.
Schedule Your Free 2026 Consultation Today – Call 913-232-2006
Key 2026 Medicare Changes for Kansas City Residents
- Part B Premium & Deductible: Standard monthly premium rises to $202.90 (up from $185 in 2025). Annual deductible is $283 (up $26). IRMAA surcharges may apply for higher incomes.
- Part D Prescription Drug Cap: Out-of-pocket max capped at $2,100 for covered drugs – a major relief for those with high Rx costs. Many stand-alone Part D plans in KS/MO see lower premiums or better options.
- Medicare Advantage (Part C): Average MA premium in Kansas around $10/month; many $0 premium plans available. In Johnson County KS, expect 30+ plans with average out-of-pocket max around $5,000–$6,000. Missouri/Kansas City sees solid availability from carriers like UnitedHealthcare, Humana, and others. Note some service area adjustments (e.g., UnitedHealthcare changes) – we'll check your ZIP for 2026 fit.
- Local Notes: High access to $0-premium MA plans in the metro. Some providers (e.g., NKC Health network changes) affect certain plans – we help navigate to keep your doctors in-network.
Medicare Options Tailored for Kansas City
- Original Medicare + Medigap: Nationwide doctor choice; add a supplement for lower out-of-pocket.
- Medicare Advantage (MA): Often includes extras like dental, vision, hearing, and Part D. Popular in Johnson County and Jackson County.
- Part D Standalone: If you prefer Original + supplement, pair with drug coverage.
We represent 30+ carriers – compare Humana, Wellcare, Aetna, and more for your needs.
Get Your Free Ultimate Medicare Enrollment Guide
Download our no-cost guide covering 2026 rules, enrollment timelines, and Kansas City-specific tips.
The T65 Concierge Experience
We don’t just give them a brochure; we give them a plan.
| Feature | For Your HR Department | For Your T65/Retiring Employee |
| The Ultimate Medicare Workshops | On-site in KC or virtual webinars. | Clear, jargon-free education. |
| Side-by-Side Analysis | Data to justify the transition. | Comparison of Group vs. Medicare costs. |
| Paperwork Concierge | We help with Medicare enrollment. | No waiting in line at the SS office. |
| Local Network Audit | Reduced "provider friction." | Verification that their KC doctors are "In-Network." |
Serving the Entire Kansas City Metro
We are proud to support HR teams across:
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Kansas: Overland Park, Leawood, Olathe, Shawnee, Wyandotte.
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Missouri: KCMO, Liberty, Blue Springs, Lee’s Summit, Independence.
"Our transition to Medicare Planning was a game-changer. They understood the local Blue KC and Spira Care networks perfectly, making the move seamless for our retiring engineers." — Director of HR, Lenexa-based Engineering Firm
2026 Checklist: Medicare vs. Your Kansas City Group Plan
Decision Guide for Employees Turning 65 or Nearing Retirement
HR Note: This checklist helps determine if an employee should stay on your group plan or transition to Medicare. In 2026, many employees save significantly by moving to Medicare, which also helps reduce the company’s group claims exposure.
1. Evaluate the "Rule of 20"
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[ ] Does the company have 20+ employees?
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If NO: Medicare is Primary. The employee must enroll in Part A and B to avoid massive gaps in coverage.
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If YES: Your group plan is Primary. The employee can often delay Part B without penalty (unless they are retiring).
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2. The Cost Comparison (2026 Numbers)
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[ ] Compare Monthly Premiums: * What is the employee’s share of the group premium? ________
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Vs. Medicare: The standard Part B premium for 2026 is $202.90/mo (higher if income is over $109k individual/$218k joint).
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[ ] Compare Deductibles/Max:
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What is the group plan deductible? _________ Max-out-of-pocket?___________
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Vs. Medicare/Medigap G: The 2026 Part B deductible is $283/year.
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[ ] Check the Network (The "KC Factor"):
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Does the group plan use KUMC, Saint Luke’s, or AdventHealth?
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Will those same doctors accept the Medicare plan being considered?
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3. The HSA "Stop" Rule (Crucial for 2026)
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[ ] Is the employee contributing to an HSA?
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WARNING: Once enrolled in any part of Medicare (including Part A), HSA contributions must STOP immediately.
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The 6-Month Rule: If enrolling in Medicare after age 65, Part A is backdated 6 months. To avoid tax penalties, employees should stop HSA contributions 6 months before their planned Medicare start date.
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4. Required Paperwork (Avoid the Penalty)
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[ ] Form CMS-L564: If the employee is older than 65 and retiring, they need HR to sign this "Request for Employment Information" form. This proves they had "creditable coverage" and prevents a lifetime late-enrollment penalty.
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[ ] Form CMS-40B: This is the employee’s actual application for Medicare Part B.
5. Decision Matrix
| If the Employee... | Recommended Action |
| Is turning 65 and staying full-time (20+ employees) | Compare costs; often best to enroll in Part A (Free) but delay Part B. |
| Is turning 65 and company has < 20 employees | Must enroll in Part A & B immediately. |
| Is retiring or losing group coverage | Enroll in Part A & B 3 months before retirement. |
Local phone/text:
913-232-2006
Humana Medigap plan G
Aetna
Wellabe
Mutual of Omaha
Wellcare
Old Surety
SilverScript
Cigna Healthcare
Devoted Health Plans
BCBS Kansas
Also serving Missouri: Blue Springs, Buckner, Grain Valley, Grandview, Greenwood, Independence, Kansas City, Lake Lotawana, Lake Tapawingo, Lee’s Summit, Levasy, Lone Jack, Oak Grove, Raytown, River Bend, Sibley, & Sugar Creek
Also serving Kansas: De Soto, Edgerton, Fairway, Gardner, Lake Quivira, Lawrence, Leawood, Lenexa, Merriam, Mission, Mission Hills and Mission Woods, Olathe, Overland Park, Prairie Village, Roeland Park, Shawnee, Spring Hill, Topeka, Westwood, Westwood Hiils, & Wichita