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 statisticsabout 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:
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 ProgramPromotes dental health for children, including a fluoride program. Visit the website.
Infants and Children Health Care Assistance DirectoryFind information specific to infants and children in Kentucky. Visit the website.
The National Coalition on Health Care’s information for KentuckyAmerica’s oldest, most diverse, and broadest based group working to achieve comprehensive health system reform. Visit the website.
Kentucky Health Insurance High Risk PoolThe 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, visithttp://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:
Kentucky Insurance Providers
Aetna Health InsuranceAetna 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 InsuranceAnthem 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 InsuranceAssurant 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 InsuranceGolden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Great American Health InsuranceGreat American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.
Humana Health InsuranceThrough affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.
John Alden Health InsuranceJohn 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 InsuranceToday, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Time Short Term Health InsuranceToday, 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 InsuranceWorld 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 ServicesFind 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
Kentucky Cabinet for Health and Family Services
Office of the Secretary
275 East Main Street
Frankfort, KY 40621
500 W. South St.
Freeport, IL 61032
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Healthcare Solutions Team
500 W. South St.
Freeport, IL 61032
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