With more employers dropping group health coverage every day, it is important to find Kentucky health insurance to cover your medical needs.
InsureMe wants to help. By entering your information to the right, we will provide you with up to five free quotes on Kentucky health insurance. Comparing quotes is the only way to find the right Kentucky health insurance for you.
What provisions are in place to keep my Kentucky health insurance in tact?
The State of Kentucky has a number of ways to protect you:
If are insured under a group plan, your coverage cannot be denied or limited because of your health status. This is called nondiscrimination.
If you are purchasing insurance for a small business, the guaranteed issue prohibits Kentucky health insurance companies from denying or limiting coverage based on your group's age or health status.
Most Kentucky health insurance is guaranteed renewable, which means that your coverage cannot be cancelled if you get sick.
If you lose your job, you may be eligible for coverage under Kentucky Access. As long as you continue to meet eligibility standards and pay your premiums, your coverage under Kentucky Access will stay in tact.
What does individual Kentucky health insurance cover?
Kentucky requires all of its insurance companies to offer the same standard health benefit plan, which makes it possible for you to compare plan prices without having to compare plan benefits. However, if you decide not to purchase a standard policy, your benefits will depend on what kind of Kentucky health insurance policy you buy.
For details on standard benefits, contact the Kentucky Department of Insurance at (800) 595-6053.
What if I can't afford Kentucky health insurance?
There are a number of programs available to individuals who cannot afford Kentucky health insurance.
Kentucky Medicaid provides free or subsidized coverage for low-income families, pregnant women, the elderly and the disabled.
The Kentucky Children's Health Insurance Plan (KCHIP) provides free or low cost health care for children ages 18 and under. Some benefits of KCHIP include hospital and emergency services, physician visits, x-rays, prescription drugs, as well as vision, dental and mental health services.
The Kentucky Breast and Cervical Cancer Program, run by Kentucky Medicaid, provides free or low cost screening and treatment for breast and/or cervical cancer for women who meet eligibility requirements.
Do Kentucky health insurance companies have to sell me a policy?
No. Kentucky health insurance companies are free to turn you down for any reason, including pre-existing health conditions.
If you are turned down by one or more Kentucky health insurance agents, you may be able to obtain coverage through Kentucky Access.
Can my Kentucky health insurance be cancelled?
Remember, guaranteed renewability prohibits insurance companies from cancelling your Kentucky health insurance policy if you get sick.
Your policy may only be cancelled if you discontinue payments on your policy, or if you are caught in unethical or fraudulent acts against your Kentucky health insurance company.
Where can I find more information on Kentucky health insurance?
The Kentucky Department of Insurance is a great resource for information on Kentucky health insurance. You may contact them at (800) 595-6053, or visit them on the Web.
For more information, or to apply for the abovementioned financial assistance programs, contact the following:
Kentucky Access: (866) 405-6145
KCHIP: (877) 524-4718
Kentucky Medicaid: (800) 635-2570
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