A Kansas health insurance policy can help protect you from enormous health care expenses. But shopping for a policy that covers your needs can take a lot of time, energy and money.
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Most insured Kansas residents hold group insurance through their employers. However, those who are self-employed or work for companies that don't offer Kansas health insurance often buy individual policies.
Both types of policies encompass the following medical services and products:
Group plans are sold to business owners who want to offer Kansas health insurance coverage as a benefit to their employees. In this type of plan, the employer pays a portion of the cost and the employee pays the balance. Participating members choose which doctor or hospital they'd like to use, but providers must usually be a member of the participating network. Insurance benefits are paid after services are rendered.
Individual Kansas health insurance plans allow the policyholder to choose any doctor or hospital and pay for services on a "fee for service" basis. This means health providers receive a fee for each service rendered, such as an office visit, test or other procedure. This type of Kansas health insurance requires purchasers to show proof they are in good health before they can purchase coverage.
Before they will insure you, Kansas health insurance companies typically examine two factors: your age and your health.
The older you are when you buy your health insurance coverage, the higher your chances of becoming ill. Therefore, your age helps determine both your insurability and the price you pay for your Kansas health insurance premium.
If you are ill or tend to be ill, you are a "high risk" to your Kansas health insurance provider. Recurring health conditions also make you a high claims risk, raising the price you must pay and making obtaining a Kansas health insurance policy much more difficult.
Some common health conditions which sometimes make it hard to get Kansas health insurance include:
If you have one of these maladies, speak with a knowledgeable Kansas health insurance agent, who can help you find a policy that works for you.
Finding High-Risk Health Insurance
The Kansas Health Insurance Association (KHIA) was created to provide health coverage to consumers who are unable to buy it in the regular health insurance marketplace.
If you have been a resident of Kansas for at least six months and have either lost your Kansas health insurance coverage or cannot qualify for health insurance, contact the plan's administrator at 800-290-1368 for more information on this program.
Need More Answers?
It is the mission of the Kansas Insurance Department to answer your questions and provide any additional help you may need. Access this resource online at www.ksinsurance.org, or call them at 800-432-2484.
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