subject: KY Individual Health Insurance [print this page] KY Individual Health Insurance
Individual health insurance represents coverage for a single individual, a parent and dependent children, or a family. Insurance companies offer a plethora of KY individual health insurance plans and choosing the right one can prove quite daunting if you don't go about it in a professional manner.
KY Individual Health Insurance Important Considerations
Kentucky health insurance companies offer HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) plans at competitive rates. While HMOs work through an in-network provider, PPOs work through a group of hospitals, physicians, and other providers who contract with an insurance company to provide health care services to members at a predetermined rate. Though members can see physicians and hospitals out of the insurance company's network with a PPO, these visits would mean they have higher out-of-pocket costs.
Your health insurance agent will help you get free quotes from leading health insurance providers in Kentucky like Humana, Anthem Blue Cross Blue Shield and more. Important considerations that you have to work out with your agent's help when choosing an individual health insurance plan include the benefits of the plans, costs including monthly premiums, annual deductibles, and copays, and enrollment periods.
Individual Health Insurance in Kentucky - Reform Benefits
The Patient Protection and Affordable Care Act offer several immediate Kentucky individual health insurance benefits. Important among these are:
Medicare beneficiaries in Kentucky who hit the donut hole this year receive a one-time $250 rebate check. Additional discounts for seniors on Medicare will continue in the years ahead and till the donut hole is closed by 2020
New consumer protections in the insurance market
No lifetime limits on the coverage that insurance companies provide
No drop from insurance coverage if an individual gets sick
No exclusion of children from coverage because of a pre-existing condition
Children remain on their parents' policy until they turn 26 (unless they have other options)
Affordable insurance for uninsured with pre-existing conditions
Contact a Reliable Agent
With so much happening on the KY individual health insurance scene, your best option would be to get in touch with an experienced agent for advice on getting a budget-friendly individual health plan to meet your needs.
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