Kansas Health Insurance

Health Insurance Overview

Kansas residents have many options for health care coverage. There are numerous Kansas insurance providers to choose from, along with a variety of Kansas medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Kansas health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Kansas medical insurance from the best Kansas insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Kansas health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Kansas health insurance programs, and even details on some of the top Kansas insurance providers.

To compare specific Kansas medical insurance plans offered by the various Kansas insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Kansas health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Kansas health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Kansas? Find your state here.

Kansas Health Insurance Facts & Statistics

Total Kansas Residents – 2,731,300

Total Health Insurance Coverage In Kansas:
Employer – 54%
Individual – 6%
Medicaid – 12%
Medicare – 14%
Other Public – 2%
Uninsured – 13%

Average Individual Monthly Premiums – NA

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 20%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $925

Average adjusted hospital cost per inpatient day – $1,271

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Kansas Medical Insurance Laws, Regulations & Policies

There are several Kansas health insurance laws and regulations that are put in place to protect policyholders living in the state. According to state law, every Kansas medical insurance plan is guaranteed renewable. This means that insurance companies cannot cancel coverage if a policyholder gets sick or injured.

Kansas insurance providers are also not allowed to exclude coverage or require waiting periods for residents applying for an individual health plan after leaving an employer’s group plan, according to the federal law HIPAA.

Health plans in Kansas are required to cover certain care under state law, including:

  • Screening for breast, cervical, colorectal, and prostate cancer
  • Medical care for pregnant women
  • Vaccinations for children

The state also requires Kansas insurance providers to set coverage limits and maximums for mental health conditions equal to physical conditions.

Kansas Health Insurance Resources

Kansas Medical Assistance Programs

Medical assistance offered by the Department of Social and Rehabilitation Services (SRS) to help cover health care costs. Visit their website.

Kansas Health Care for Children and Families

The Bureau for Children Youth and Families is committed to promoting the health of women and infants, children and adolescents. Visit their website.

Kansas Farmworker Health Program

The Kansas Farmworker Health Program strives to assure access to health care services for low-income and medically underserved migratory and seasonal farm workers. Visit their website.

Kansas Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in Kansas with pre-existing conditions can get health insurance coverage under the Pre-Existing Condition Insurance Plan – Kansas (PCIP – KS). This plan works similar to regular Kansas health insurance plans and requires enrollees to pay monthly premiums and out-of-pocket costs.

Enrollees in the Kansas PCIP pay around the same amount that people without medical conditions pay for health insurance. The plan includes a $2,500 deductible that must be met before health insurance benefits are covered. The out-of-pocket limit is set at $5,950 a year. Residents who are eligible for the Kansas PCIP get access to health insurance coverage for hospital and doctor visits, emergency services, prescription drugs, and more.

Individuals may apply for the Kansas health insurance program if they are a United States’ citizen, have an existing medical condition, and have been without health insurance for six months. For more information on the Kansas health insurance high risk pools visit http://www.khiastatepool.com.

Kansas Medical Insurance and Health Care Programs

The state of Kansas offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    The Kansas Medicaid program offers health insurance coverage for low-income families, children, pregnant women, and disabled citizens. If you want to learn more about Kansas Medicaid, visit https://www.kmap-state-ks.us/.
  • HealthWave
    Low-income children up to age 19 who do not qualify for Medicaid and are uninsured can receive coverage through HealthWave. It is the state Children’s Health Insurance Program in Kansas. To learn more about this Kansas medical insurance program for children, visit http://www.kansashealthwave.org/.
  • The Early Detection Works Program
    This program provides low-income women with free screening for breast and cervical cancer. If a woman is diagnosed with cancer through this program, she can get full health care coverage through Medicaid. Learn more at http://www.kdheks.gov/edw/.
  • Kansas Medicare
    Seniors can find Kansas health insurance through Medicare Advantage, Medicare Supplement and Original Medicare.

Trade workers and early retirees in Kansas can also receive a tax credit to help pay for health plan premiums through the Federal Health Coverage Tax Credit.

Kansas Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Companion Life Insurance Company Health Insurance

Companion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. It has been providing these services and coverage for the last 35 years, becoming a single source for affordable life, disability, accident, dental, vision, and other specialty insurance programs.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

Humana Health Insurance

Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Kansas Insurance Commissioner and Department of Health and Environment

Find the contact information for the Kansas insurance commissioner and health and environment departments at:

Kansas Insurance Commissioner
420 SW 9th Street
Topeka, KS 66612-1678
Phone: (785) 296-3071

The Kansas Department of Health and Environment
Curtis State Office Building
1000 SW Jackson
Topeka, KS 66612
Phone: (785) 296-1500