Health Insurance

Nowadays, nearly everyone knows someone who either has no health insurance coverage, has lost their insurance coverage, or they themselves are living with these exact same circumstances. Kansas health insurance can no longer be thought of as a luxury- it is an essential! As the costs of medical procedures, treatments, and prescriptions continue to increase at astounding rates, people need a reliable source from which they can receive straight-forward, affordable Kansas health insurance quotes. Thousands of people rely on insuranceUSA.com for just this reason. Health insurance is simply a written insurance policy which covers medical expenses, whether routine or emergency. Many states offer additional insurance coverage benefits, including long-term care and disability.

In this article, you will find all the information needed regarding the regulations of Kansas health insurance, both for individual policy holders or those desiring a family or small group plan. You will also find fundamental facts concerning COBRA, which is an acronym for the Consolidated Omnibus Budget Reconciliation Act of 1986. This plan generally provides workers and their families who have lost their insurance coverage (due to an event such as job loss, reduction of work hours, etc.) the right to continue their group health insurance benefits, although normally for a limited amount of time and frequently at the person’s own expense.

You will also find useful statistical information which can assist you in comparing the health of fellow Kansasns with the health of people living in various other states.

This article will give you all the information you need about Kansas health insurance to make an informed and intelligent decision when choosing the plan which is most suited to your needs and circumstances. When you have finalized your plan, we at insuranceUSA.com will be ready to provide you with the health insurance quotes needed to make your personal choice.

Kansas Individual and Family Health Insurance
Many Kansas health insurance companies which offer individual and family health insurance plans may base their decision on whether to approve or deny your application for health insurance on your current or past health status. Any person applying for health insurance will have to fill out a detailed application, which involves answering many questions relating to your present and previous health status, family medical history, and life-style questions, such as smoking habits, alcohol consumption, etc. Based on this information, an Kansas health insurance company can deny you coverage altogether, or they may offer you a policy which contains a rider, which basically excludes coverage for any pre-existing condition. This rider can be enforced for a limited amount of time or can be in effect for the entire time you hold the insurance policy. Some Kansas health insurance companies also place a waiting period on pre-existing conditions, even if a formal rider was not written into the policy. This is regardless of whether the person to be insured had prior health insurance or not.

Kansas Group Health Insurance
To qualify for Kansas health insurance, a company must have between 2 and 50 employees on staff. However, a company is not required to offer Kansas health insurance to all employees. For instance, those who only work part-time, or who do not live within the insurance service area may not be eligible for the group coverage. Under Kansas health insurance regulations, an employer may require a waiting period before employees are able to obtain group insurance. This waiting period is decided on by the employer, and not the insurance company. Pre-existing conditions may make an employee ineligible for total coverage under their plan. This usually applies to conditions that you were treated for within the past six months prior to the start date of coverage. However, there are types of Kansas health insurance that will cover pre-existing conditions that are not covered by the group insurance. Eligible employees who meet all the requirements are guaranteed insurance benefits regardless of their current health.

Kansas COBRA Insurance
Kansas health insurance follows the federal guidelines for COBRA coverage. The COBRA plan is for companies with 20 or more employees. After leaving a job, a person can keep their group insurance through COBRA for up to 18 months if they qualify for COBRA. In addition, some eligible dependents can stay covered for 36 months, and disable people can receive benefits for 29 months. Kansas health insurance rules state that if your employer discontinues the group plan, then your COBRA coverage will end as well. But, there is additional Kansas health insurance coverage that is available through the Kansas Comprehensive Health Insurance Association (ACHIA) that is designed for people who have ended their COBRA coverage.

Kansas Health Information and Statistics
If you are in the market for quality Kansas health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Kansas ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Kansas are high immunization coverage, a low prevalence of smoking, and few poor mental and physical health days. Kansas also faces many challenges, including a moderate rate of preventable hospitalizations, limited access to primary care, and low per capita public health funding.

According to a 2008 study, Kansas had some significant changes over the past year. The good news was that the prevalence of smoking decreased by 11% and the percentage of children in poverty also declined by 12%. Since 1990, the incidence of infectious disease decreased by 67% and the rate of uninsured population increased by 39%.

Following is a variety of statistical data related to living in Kansas, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Kansas health insurance.

  • Prevalence of Smoking-13th
  • Prevalence of Obesity-31st
  • Violent Crime-31st
  • Children in Poverty-30th
  • Air Pollution-20th
  • Cancer Deaths-22nd
  • Lack of Health Insurance-19th
  • Prevalence of Binge Drinking-20th
  • Infant Mortality-28th
  • Infectious Disease-11th
  • Premature Death-23rd

Overall Rank: 22
Change: +1