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.
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If you would like to get free quotes and compare Kentucky health insurance plans now, start with our simple form on the left.
Resources on this page
Kentucky Health Insurance Laws and Regulations
Public Health Insurance Programs for Kentucky Residents
Kentucky Health Insurance High Risk Pools
Kentucky Health Insurance Companies
Contact Info for the Kentucky Department of Insurance and Cabinet for Health and Family Services
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.
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. - Kentucky Medicare
Seniors can find Kentucky health insurance through Medicare Advantage, Supplement and Original Medicare.
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.
Kentucky Health Insurance High Risk Pool
Kentucky residents with pre-existing conditions will be able to get health insurance coverage from the temporary high risk pools established by the Patient Protection and Affordable Care Act.
The Pre-Existing Condition Insurance Plan (PCIP) in Kentucky will be similar to regular Kentucky health insurance policies and require enrollees to pay monthly premiums and out-of-pocket costs.
Enrollees in the Kentucky PCIP will pay about the same amount as people without pre-existing conditions pay for health insurance. The estimated monthly premium costs for Kentucky residents will be $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 yearly deductible that must be met before the health plan will provide benefits is $2,500. The out-of-pocket limit is set at $5,950 a year.
Those eligible for the plan will have health insurance coverage for prescription drugs, hospital and doctor visits, emergency services and more.
Individuals may apply for the Kentucky PCIP program if they are a United States citizen, have been without health insurance for six months and have a pre-existing condition.
For more information on the Kentucky health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer health insurance plans in Kentucky:
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.
Assurant Health Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 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, a 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 their members better manage their healthcare and make informed health decisions.
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.
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.
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/
