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Kansas health insurance
Health insurance is an important part of your financial planning. As a serious illness can run you into financial instability in a few days, having a health insurance policy to cover such an incident is absolutely necessary. If you are a resident of Kansas and are looking for a health insurance plan, we have just the thing for you.
Individual health plans in Kansas
With the variety of health plans on offer, residents of Kansas must look for a health plan that offers them the most suitable covers, depending on their age, occupation and other factors. Medical underwriting is legal in the state of Kansas. For this reason, an insurance carrier may refuse your applications for insurance on the basis of your age, gender and health status. A look back period of 12months and an exclusionary period of 24 months may be imposed by the carrier. You have an option of a number of health insurance plans when you go searching for one. For instance, you can go for HMOs, PPOs or even POS type of plans. These plans differ according to the network of physicians they provide, amount of deductibles they charge and other aspects like co insurance, co payments and others.
The state of Kansas provides a high risk pool for people who cannot get health insurance because of their health or other factors. The high risk pool health plans are provided under the Kansas health insurance association (KHIA).
Insurance for small business and groups
Group health insurance can be got through employers, associations or unions. However, as in individual health insurance, medical underwriting is allowed here. The preexisting clause can look back six months prior to your application and impose an exclusionary period of 3 months on you. The average premium you may expect to pay for a group insurance plan will vary, depending, among other factors, on the contributions your employer makes.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Kansas. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
Kansas Medicaid plans
Medicaid plans are also offered in the state of Kansas. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Kansas also offers the HealthWave 21 children’s health insurance program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria. They must also be residents of Kansas and have a social security number. Also, they may not be blind, disabled or receiving health insurance through an employer.
Easy Quotes from the Top Kansas Health Insurance Carriers
Our service is the best way for you to secure the most suitable Kansas health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Kansas Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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