Most Kentucky residents get health insurance through an employer-sponsored group health plan. If you do not come under such a plan, that’s when you should consider finding affordable Kentucky individual health insurance to cover yourself and your family. Individual and family health insurance plans are available for newborns on up to the seniors at age 65, self-employed and unemployed persons and students.
Selecting an Affordable Health Insurance Plan
Insurance companies offer different kinds of private individual health insurance plans for Kentucky residents. These include indemnity health insurance (fee-for-service), HMO (health maintenance organization) plans, PPO (preferred provider organization) plans, POS (point-of-service) plans, and HSA (health savings account) plans. A greater choice of doctors and hospitals usually means that a plan will cost more.
Leading insurance companies offering affordable health insurance in Kentucky include Humana, Blue Cross Blue Shield, Aetna and United. They offer various kinds of policies depending on the kind of coverage you need and the state of your health. A health plan would cost more for a person with health issues. However, according to recent legislation, individuals cannot be denied health insurance because of a pre-existing condition.
The best way to find an affordable Kentucky health plan is first see how much premium you can afford to pay and then look for a plan that meets your budget as well as the health needs of your family. You need to compare the quotes for the plans from various health insurance companies. Premiums differ for different kinds of individual health plans. Besides traditional health coverage and HSA-qualified High Deductible Health Plans, it would be helpful if there is a provision to add on optional benefits such as dental, life and supplemental accident coverage for an additional cost.
Get Professional Advice
Professional companies that represent leading insurance providers in Kentucky offer expert guidance on selecting the right kind of health insurance plan. They can help you get quotes and compare them to get affordable individual Kentucky health insurance.