Kentucky Health Insurance

Health Insurance Overview

Kentucky residents have many options for health care coverage. There are numerous Kentucky insurance providers to choose from, along with a variety of Kentucky 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 Kentucky 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 Kentucky medical insurance from the best Kentucky 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 Kentucky 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 Kentucky health insurance programs, and even details on some of the top Kentucky insurance providers.

To compare specific Kentucky medical insurance plans offered by the various Kentucky 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 Kentucky health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Kentucky 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 Kentucky? Find your state here.

Kentucky Health Insurance Facts & Statistics

Total Kentucky Residents – 4,291,400

Total Health Insurance Coverage In Kentucky:
Employer – 48%
Individual – 4%
Medicaid – 18%
Medicare – 14%
Other Public – 1%
Uninsured – 15%

Average Individual Monthly Premiums – $210

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 22%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,108

Average adjusted hospital cost per inpatient day – $1,546

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

Kentucky Medical Insurance Laws, Regulations & Policies

There are several Kentucky health insurance laws and regulations that are put in place to protect policyholders living in the state. Under state law, all Kentucky health insurance plans are required to cover certain medical services, including:

  • Mammograms
  • Diabetes care
  • Medical care for pregnant women
  • Hearing aids for children

All Kentucky medical insurance plans are guaranteed renewable, which means an insurer cannot cancel coverage if a policyholder gets injured or sick. Kentucky insurance providers are also required to uphold mental health parity, which means they must cover mental health conditions at an equal level as physical health conditions.

Kentucky has a standard health insurance plan that must be provided by all health insurance companies. In this state standard plan, the benefits will be the same through every company, but the prices for premiums may vary. The standard plan options include Fee-For-Service (FFS) indemnity plans, HMOs (Health Maintenance Organization), Point-of-Service (POS) plans, and PPO (Preferred Provider Organization) plans.

Under federal law HIPAA, Kentucky insurance providers are not allowed to require coverage waiting periods or exclusion periods for eligible individuals searching for a plan in the private market after leaving a group health plan.

Kentucky Health Insurance Resources

Cabinet For Health and Family Services (CHFS)

This is home to most of the state’s human services and health care programs, including the Department for Community Based Services and the Department for Public Health. CHFS is one of the largest agencies in state government, with nearly 8,000 full- and part-time employees. Visit the website.

Kentucky Dental Health Program

Promotes dental health for children, including a fluoride program. Visit the website.

Infants and Children Health Care Assistance Directory

Find information specific to infants and children in Kentucky. Visit the website.

The National Coalition on Health Care’s information for Kentucky

America’s oldest, most diverse, and broadest based group working to achieve comprehensive health system reform. Visit the website.

Kentucky 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 Kentucky with pre-existing conditions will be able to get health insurance coverage from the Pre-Existing Condition Insurance Plan (PCIP). This works similar to regular Kentucky health insurance policies and requires enrollees to pay affordable premiums and out-of-pocket costs.

Those eligible for the Kentucky PCIP pay around the same amount that people without medical conditions pay for health insurance. The estimated monthly premium cost for Kentucky residents is $304 for ages 0 to 34; $365 for ages 35 to 44; $466 for ages 45 to 54; $649 for ages 55 and older. The plan includes a $2,500 deductible that must be met before health insurance kicks in and has an out-of-pocket limit set at $5,950. Enrollees of the Kentucky PCIP will get access to health insurance coverage for hospital and doctor visits, emergency room services, prescription drugs, and more.

Individuals may apply for the Kentucky 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 Kentucky health insurance high risk pool, visit http://www.healthcare.gov/index.html.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Kentucky Medical Insurance and Health Care Programs

The state of Kentucky 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
    Kentucky’s Medicaid program is called KYHealth Choices and offers health insurance coverage for some low-income individuals, children, families and disabled persons. To learn more about KYHealth Choices, click here.
  • Kentucky Children’s Health Insurance Program (KCHIP)
    The KCHIP offers health care coverage for low-income, uninsured children under the age of 19 that do not qualify for Medicaid. For more information about this Kentucky health insurance program for children, click here.
  • Kentucky Women’s Cancer Screening Program
    This program offers free breast and cervical cancer screening for low-income women in Kentucky. Additionally, the Breast and Cervical Cancer Treatment program provides women who have been diagnosed with either of these cancers full health care coverage through Medicaid. Learn more about these programs here.
  • Kentucky Medicare
    Seniors can find Kentucky health insurance through Medicare Advantage, Supplement and Original Medicare.

Some trade workers and early retirees are also eligible to receive a tax credit from the federal government to help pay for their health plan premiums. Get more information about this program online.

Kentucky 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.

Anthem Blue Cross and Blue Shield of Connecticut Health Insurance

Anthem is one of the biggest names in health insurance—providing Connecticut residents with affordable health plan options and access to high-quality health care.

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.

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.

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

Kentucky Division of Insurance and Cabinet for Health and Family Services

Find the contact information for the Kentucky health insurance and health and family services departments at:

Kentucky Department of Insurance
215 W. Main St.
Frankfort, KY 40601
Phone: (800) 595-6053
http://insurance.ky.gov/

Kentucky Cabinet for Health and Family Services
Office of the Secretary
275 East Main Street
Frankfort, KY 40621
Phone: 1-800-372-2973
http://chfs.ky.gov/