This is our hometown. Kentucky Medicare Help is based right here in Fort Thomas at 155 N Fort Thomas Avenue, which means when you call us, you're talking to a neighbor, not a call center. Jeff and Suzanne Janosick have been helping Fort Thomas residents and families across Campbell County navigate Medicare since 2008, and our guidance is completely free.
Fort Thomas is known as the "City of Beautiful Homes," and it's also a community where a lot of people are approaching or already in their Medicare years. With 16.1% of residents over 65 and a Campbell County Medicare population of over 19,000 beneficiaries, the decisions you make about coverage here matter. St. Elizabeth Fort Thomas is literally in your backyard, but whether your plan actually covers it at the best rate depends on which plan you choose.
Fort Thomas sits in Campbell County alongside Newport, Alexandria, Cold Spring, and Highland Heights. The Medicare landscape across the county:
That 55.2% MA rate means Campbell County is almost evenly split between Medicare Advantage and Original Medicare with a supplement. Neither path is automatic: the right choice depends on your doctors, your prescriptions, and whether you want network flexibility or built-in extras like dental and vision.
Campbell County has 45 Medicare Advantage plans available for 2026, with 50 total options including Special Needs Plans. It's a competitive market with several strong carriers.
Top carriers by local enrollment:
Something unique about Campbell County: because you're right on the Ohio border, several Ohio-based MA plans (like AARP/UHC OH plans) are also available here. That's actually an advantage: it means you have access to plans with both Kentucky and Ohio provider networks, giving you broader coverage options than most Kentucky counties.
For Fort Thomas residents who want the freedom to see any doctor who accepts Medicare, anywhere, without network restrictions, a Medigap supplement plan is the way to go. This is especially valuable if you cross the river for care regularly.
Plan G is the most popular new-enrollee choice in Kentucky (38.5% of enrollments). It covers everything except the annual Part B deductible ($226 in 2026), so after that small upfront cost, your out-of-pocket for Medicare-covered services is effectively $0.
Sample Plan G premiums in Campbell County (monthly, 2026):
| Carrier | Low | High |
|---|---|---|
| Wellcare | $122 | $434 |
| Allstate | $125 | $454 |
| Humana | $128 | $487 |
| Cigna | $141 | $660 |
| AARP/UnitedHealthcare | $147 | $565 |
| Mutual of Omaha | $179 | $510 |
| Aetna | $181 | $484 |
Plan N is the budget alternative. Same coverage as Plan G but with a $20 copay for some office visits and a $50 copay for ER visits not resulting in admission. Premiums start at $91/month.
Kentucky's Medigap protections are stronger than most states. Under House Bill 345 (KRS 304.14-525, effective January 2024), every insurer must offer all Medigap plans to beneficiaries under 65 on Medicare through disability or ESRD, with no underwriting and capped premiums. And Kentucky's birthday rule lets you switch Medigap carriers within 60 days of your birthday each year with guaranteed issue, no health questions. You're never locked into a bad rate.
Kentucky Medicare Help serves clients throughout Fort Thomas and the surrounding Campbell County communities:
Whether you're walking to the Midway District for coffee, watching a game at Highlands High School, or taking a stroll through Tower Park past the 102-foot stone water tower that's been standing since 1890, you're our neighbor. We're at 155 N Fort Thomas Avenue if you want to stop by, or we're happy to meet by phone or video.
Most plans in Campbell County include St. Elizabeth, but coverage levels and copays vary significantly between plans. Some Humana HMO plans have preferred St. Elizabeth contracts with lower costs, while other plans may charge more. We verify your specific plan's St. Elizabeth coverage before you enroll.
PPO-style Medicare Advantage plans or Original Medicare with a Medigap supplement give you the most flexibility across state lines. Strict HMOs may only cover Kentucky providers or require referrals for Ohio specialists. We'll cross-reference your full provider list on both sides of the river.
Yes, within 60 days of your birthday each year, Kentucky's birthday rule gives you guaranteed-issue rights to move to another insurer's same plan letter. No health questions, no denial. This means you can shop for lower rates annually.
Ideally 2-3 months before your employer coverage ends or before you turn 65. Your Medigap Open Enrollment Period starts the month Part B is effective, and that's the best window for guaranteed-issue rates.
Nothing. Our service is completely free. Insurance carriers compensate agents directly, so the premium you pay is identical whether you use us or enroll on your own.
If your Medicare Supplement premium has increased, don't assume you have no options. We'll help you compare current premiums, available discounts, company rate history, underwriting requirements, and long-term value.
