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 statisticsabout 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:
Kansas Health Insurance Resources
Kansas Medical Assistance ProgramsMedical 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 FamiliesThe 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 ProgramThe 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 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 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:
Kansas 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.
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.
Celtic Health InsuranceCeltic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Companion Life Insurance Company Health InsuranceCompanion 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 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.
Standard Security Life Health InsuranceThe 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 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
Kansas Insurance Commissioner and Department of Health and EnvironmentFind 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
500 W. South St.
Freeport, IL 61032
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