Cheap Kentucky Health Insurance Quotes and Free Kentucky Health Insurance Quotes
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Your Kentucky health insurance premiums pay for costs associated with hospitalization, health care provider fees, prescription drugs and administrative expenses. You can lower your Kentucky health insurance premiums by: becoming educated about the real costs of Kentucky medical services and the best ways to stay healthy; using generic or less expensive drugs whenever possible; using your Kentucky health plan's nurse hotline whenever possible before seeking medical attention elsewhere; talking to Kentucky health care providers about their costs and use of newest technologies which drive costs up; refraining from smoking or drinking, and living an overall healthier lifestyle.
The rules for Kentucky individual health insurance vary from most other US states. In Kentucky, if you have a health condition, a health insurance company is permitted to deny you health coverage. Kentucky mandates that various types of health insurance plans be standardized; whether those medical insurance plans are indemnity, HMO or PPO plans. In addition to the standardized health insurance plans, Kentucky health insurers may also offer customized medical insurance plans. Your individual health insurance policy cannot be cancelled due to your illness, but the monthly health insurance premiums can increase at the time of renewal with small limitations. The following information details kentucky health insurance and assistance programs available to uninsured people in Kentucky.
Kentucky Department of Insurance http://www.doi.state.ky.us/ (800) 595-6053 In Kentucky, state law allows kentucky health insurance companies to turn people down for individual kentucky health insurance coverage based on the status of their health. Even though you can be turned down for an individual kentucky health insurance policy, you can never be turned down for kentucky health insurance that is offered through an employer.
Kentucky Medicaid http://www.chfs.ky.gov/dms/apply.htm (800) 807-1301 Medicaid is available to anyone who meets income and eligibility criteria. Even if your income meets the criteria, you must fall into one of the eligibility categories in order to qualify.
Kentucky Access http://www.kentuckyaccess.com/ (866) 405-6145 Kentucky Access is the Kentucky state high-risk pool. This program allows individual kentucky health insurance policies to be sold to people who might otherwise be considered “uninsurable” because of a chronic illness.
Kentucky Children’s Health Insurance Program http://www.chfs.ky.gov/dms/KCHIP.htm (877) 524-4718 KCHIP is the health insurance program designed to provide kentucky health insurance coverage to children and teens up to age 19 whose families may have too great an income or assets to qualify for Medicaid, but who may not be able to afford kentucky health insurance.
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