Medicare Frequently Asked Questions (2026 Edition)
Navigating Medicare in the Kansas City metro and St. Joseph areas can be complex. At Medicare Planning, our independent agents help you cut through the noise. Here are the top questions our clients are asking for 2026.
What is the Medicare Part D out-of-pocket cap for 2026?
The Medicare Part D out-of-pocket prescription drug cap is $2,100 for 2026. Once you reach this limit, you will pay $0 for your covered Part D medications for the remainder of the calendar year. This cap, introduced by the Inflation Reduction Act, significantly lowers costs for seniors with high-priced prescriptions.
Should I choose Medicare Advantage or Medigap in Overland Park?
The choice between Medicare Advantage and Medigap (Supplement) depends on your healthcare needs. Medigap plans (like Plan G) allow you to see any doctor who accepts Medicare, including specialists at KU Med or Saint Luke’s, with no network restrictions. Medicare Advantage plans often have $0 premiums and include dental/vision, but require you to stay within a specific network of providers in the Kansas City area.
How do I avoid Medicare Part B penalties if I retire after 65?
To avoid a lifetime Part B late enrollment penalty, you must enroll during a Special Enrollment Period (SEP) within 8 months of losing your "active" employer group health coverage. At Medicare Planning, we recommend starting the application 3 months before retirement to ensure your coverage begins the first day your employer plan ends.
Is there a cost to work with a local Medicare Planning agent?
No, there is no cost to the consumer. As independent agents in Overland Park and St. Joseph, we are compensated by the insurance companies. This allows us to provide unbiased education and plan comparisons across all major carriers like Blue Cross Blue Shield, UnitedHealthcare, and Humana at no extra charge to you.
When is the 2026 Medicare Annual Enrollment Period (AEP)?
The Medicare Annual Enrollment Period (AEP) runs from October 15 to December 7 every year. During this time, residents of Kansas and Missouri can switch between Medicare Advantage and Original Medicare, or change their Part D drug plans for coverage beginning January 1.
Phone/text:
913-232-2006
Humana Medigap plan G
Aetna
Wellabe
Mutual of Omaha
Wellcare
Old Surety
SilverScript
Cigna Healthcare
Devoted Health Plans
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