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Kentucky Health Insurance
Finding a health insurance plan that caters to all your needs at a price you can afford is not an easy task. Recent surveys show that while the cost of healthcare has increased by about 68.3%, the number of individuals in Kentucky who were insured was only 18%. This proves how important health insurance is for every individual. On this page, we undertake a discussion about the various issues regarding health insurance in Kentucky, the different choices on offer and the best health plan for you.
Health insurance and pre existing conditions
The process of health underwriting is a valid one in Kentucky. For this reason, a health insurance carrier might use details about your health status to determine whether the carrier can provide you insurance. Also, the insurance company can follow certain procedures regarding coverage provided for pre existing conditions. For instance, in Kentucky, the carrier can analyze your health status for the past six months and use any findings to deny you coverage for a health condition for a period of up to 9 months from the onset of the cover. In case you are refused health insurance based on a health condition, you can always approach the high risk pool provided by the state under the Kentucky Access Program. This program basically provides health insurance to those individuals who have been denied insurance by a private carrier based on reasons of health or a pre existing condition. You have access to these plans if you are HIPAA eligible or have been denied coverage in the last 12 months, or been offered insurance at higher rate.
Kentucky insurance options for small businesses and groups
Medical underwriting can be used for groups and small businesses also. The company may review the health status of members and use them to refuse cover for a particular period of time. According to the Centre for Policy and Research in Kentucky, AHIP, the average premium for a single coverage was more than $303 and family coverage was provided for around $794. Of course, the actual amount varies widely depending on the contribution provided by the employer.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Kentucky. 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.
Kentucky Medicaid plans
Medicaid plans are also offered in the state of Kentucky. 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.
Other plans offered in Kentucky
The state of Kentucky also provides the KCHIP program to children under 19 provided they are residents of Kentucky and do not qualify for Medicaid. Also, the family income needs to be up to 200% of the standard provided by the federal poverty level.
Easy Quotes from the Top Kentucky Health Insurance Carriers
Our service is the best way for you to secure the most suitable Kentucky 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 Kentucky 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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