Health insurance companies offer several kinds of Kentucky individual health insurance plans. If you are a Kentuckian without health insurance, you need to assess your options and find a plan to suit your needs.
Recent studies reveal that many Kentuckians do not have health
insurance. This is a trend that needs to be reversed, especially given
the present economic scenario and also because Kentucky falls in the
lower quadrant of healthy US states. Leading health insurance companies
offer several kinds of Kentucky individual health insurance plans. If
you are a Kentuckian without health insurance, you need to assess your
options at the earliest and find a plan to suit your needs.
Individual
Health Insurance Kentucky – Points to Note
It’s
important to note that KY health insurance is governed by certain state
laws and regulations:
• Services covered must include
mammograms, diabetes care, medical care for pregnant women, and hearing
aids for children.
• Health insurance companies in Kentucky
have to fix coverage limits and maximums for mental health conditions
just as with physical conditions.
• Kentucky health insurance
plans are also guaranteed renewable which means that a insurer cannot
cancel coverage if a policyholder falls sick or gets injured.
• Every
Kentucky health insurance company must provide a standard health
insurance plan that must be provided by all Kentucky health insurance
companies. All plans will offer the same services, though prices may
vary between companies. This is why you need to assess your options
before you sign up for an individual health insurance plan.
• Insurers
cannot require coverage waiting periods or exclusion periods for HIPAA
(Health Insurance Portability and Accountability Act) eligible
individuals who want to purchase a private health insurance plan.
Overview
of KY Individual Health Insurance Options from Leading Providers
Anthem
Blue Cross Blue Shield offers Kentucky individual health
insurance plans such as Premier Plus, Lumenos HSA Plus, and SmartSense
Plus. Premier Plus offers unlimited Doctors’ Office Visits with
predictable copay before the deductible, several prescription drug
coverage options, and annual vision screening exam with copay. The
tax-advantaged Lumenos HSA Plus offers preventive care services not
subject to deductible or coinsurance. SmartSense Plus is a highly
affordable option that covers the essentials and includes a choice of
prescription drug coverage options.
HumanaOne’s
individual health insurance plans for Kentucky residents include Copay
Plans with copays for in-network diagnostic illness and injury doctor's
office visits. Besides 100% preventive care coverage with an in-network
provider, you also get prescription drug coverage. This provider’s 100%
After Deductible Plans offer full coverage for most covered in-network
expenses after the deductible is met and also cover preventive care with
a provider in its network. Humana’s Health Savings Account (HSA) plans
pay for in-network preventive care services before you meet your
deductible. HumanaOne Short Term Medical plans offer temporary coverage
for an unexpected illness or injury, but are non-renewable.
UnitedHealthcare
offers a variety of affordable Kentucky individual health insurance plans
such as Copay to cover routine health care expenses, tax-favored
savings account plans, high deductible for individuals and families
who choose to take responsibility for routine health care expenses, and
short-term medical plans.
Professional Advice to Assess
Your Options
When it comes to buying a Kentucky individual health insurance
policy, it is highly advisable that you go in for professional advice.
An independent Kentucky health broker can help you assess your options
and purchase a plan that will cover your needs.
