Medicare Advantage Plans in Kansas 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Kansas has about 36 percent Medicare Advantage penetration. The Kansas City metro, which straddles the Missouri border, has a competitive market with plans from multiple major carriers. Wichita has solid options as well. Rural western Kansas has very limited plan availability.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Kansas.
Rural Coverage Note
Parts of Kansas have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Kansas Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Kansas
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Kansas
In Kansas, Medigap is commonly preferred by residents in the western two-thirds of the state, where Advantage networks are thin and unpredictable out-of-pocket costs from copays are harder to manage on fixed incomes.