Kentucky Health Insurance

As a resident of Kentucky, you have plenty of Kentucky health insurance options to choose from. There are multiple insurance companies in Kentucky that provide a range of plans for a variety of health needs.

Here you'll be able to get helpful information for finding health insurance in Kentucky. See some of the state’s top health insurance companies and read about the important Kentucky health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Kentucky health insurance programs.

Not resident of Kentucky? Find your state here.

If you would like to get free quotes and compare Kentucky health insurance plans now, start with our simple form on the right.

Resources on this page

Kentucky Health Insurance Companies

Kentucky Health Insurance Laws and Regulations

Public Health Insurance Programs for Kentucky Residents

Contact Info for the Kentucky Department of Insurance and Cabinet for Health and Family Services

The following list of companies offer health insurance plans in Kentucky:

Golden Rule Health Insurance

Golden Rule Insurance Company serves almost 50 million Americans, providing affordable and customized health insurance plans.

Humana Health Insurance

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

Time Insurance Health Insurance

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

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.

Aetna Health Insurance

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

Anthem Blue Cross and Blue Shield of Kentucky Health Insurance

Anthem Blue Cross and Blue Shield provides residents of Kentucky with a wide range of affordable and comprehensive health insurance coverage options for many different needs.

Time Short Term Health Insurance

Great American Health Insurance

MEGA Life and Health Insurance Company

At The MEGA Life and Health Insurance Company, the focus is on personalizing a health plan that meets your needs.

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Kentucky Health Insurance Laws and Regulations

As you search for a Kentucky health insurance plan in the private market, it's important to be aware of a few Kentucky health insurance state laws and regulations.

For example, Kentucky health insurance law mandates the coverage of certain medical services, including:

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

Kentucky health insurance companies are also required to set coverage limits and maximums for mental health conditions equal to physical conditions.

There is also a standard health insurance plan that must be provided by all Kentucky health insurance companies. The benefits from the state standard plan are the same from every company, but prices may vary. That's why it's important to compare your options.

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.

Kentucky health insurance plans are also guaranteed renewable. This means an insurer cannot cancel coverage if a policyholder gets injured or sick.

For individuals searching for a plan in the private market after leaving a group health plan, insurers are not allowed to require coverage waiting periods or exclusion periods if they are HIPAA-eligible.

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Kentucky Public Health Insurance Programs

These public Kentucky health insurance programs help give low-income residents access to health care and health insurance coverage:

Medicaid
KYHealth Choices is the state's Medicaid program provides health coverage for some low-income residents, including individuals, children, families, and disabled citizens. Learn more about KY Health Choices online.

Kentucky Children's Health Insurance Program (KCHIP)
For low-income uninsured children under the age of 19 that do not qualify for Medicaid, they can receive health care coverage through KCHIP. Find out more information about the KCHIP, the Kentucky health insurance program for children, online.

Kentucky Women's Cancer Screening Program
This program offers free breast and cervical cancer screening for low-income women in Kentucky. The Breast and Cervical Cancer Treatment program provides full health care coverage through Medicaid if a woman is diagnosed with either cancer. Learn more about these Kentucky health insurance programs online.

Another assistance program for Kentucky residents benefits trade workers and early retirees. The Federal Health Coverage Tax Credit will pay 65 percent of health plan premiums.

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Kentucky Department 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://doi.ppr.ky.gov/kentucky/

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/

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