Health Insurance

In recent years, the availability and affordability of health insurance has been the subject of much debate. But the hard truth is that about one out of seven Americans has no health insurance and for many who do have coverage, the cost of that coverage is an enormous financial strain. Kentucky health insurance can no longer be considered a luxury; it is a necessity! As the cost of preventative care, emergency treatments, and prescription drugs continues to spiral out of control, people want and deserve a reliable source for Kentucky health insurance quotes. They need look no further than insuranceUSA.com. Health insurance is simply a written policy which covers medical expenses, both routine and emergency. Today, many states are expanding their coverage to included both long-term care and disability.

In this information-filled article, you will find everything you need to know concerning the regulations of Kentucky health insurance, both for individuals and small groups. You will learn the fundamental facts regarding COBRA coverage. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986 and is basically a plan which allows workers, who no longer have health insurance coverage due to the loss of employment, the right to maintain their group health insurance coverage for a limited amount of time and usually at their own expense.

You will also find interesting statistical information with which you can compare the health of fellow Kentuckyns with the health of residents of other states.

This article will provide you with all the information needed about Kentucky health insurance to make a shrewd and intelligent decision when choosing the insurance coverage which is right for your individual situation and needs. Once you have selected your options, insuranceUSA.com stands ready to provide you with health insurance quotes so that you can make your final decision with confidence!

Kentucky Individual and Family Health Insurance
Many Kentucky 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 Kentucky 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 Kentucky 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.

Kentucky Group Health Insurance
For Kentucky health insurance for a group or company, the state of Kentucky requires that a company have between 2 and 50 employees. Employers, however, are not required to provide Kentucky health insurance to all employees. For instance, part-time employees many not qualify for coverage, or those who live outside of the area covered by the insurance. Eligible employees, regardless of their current state of health, are guaranteed medical benefits under the group insurance plan. Some Kentucky health insurance plans may exclude coverage for pre-existing conditions. These are usually conditions that have been treated within the previous six months. If an employee is not eligible for coverage for a pre-existing condition, there are different types of insurance that can provide benefits to cover conditions that are excluded from the group policy. Under Kentucky health insurance regulations, insurance companies may not impose waiting periods before coverage begins. However, employers can decide on waiting periods, if any, before the group insurance plan goes into effect for employees.

Kentucky COBRA Insurance
Kentucky health insurance continues for employees after they have left their jobs, through the federal COBRA plan. COBRA is available for employees of companies that have at least 20 employees. COBRA is designed so that you can keep your Kentucky health insurance for up to 18 months if you are eligible for the program while you are between jobs. Additionally, eligible dependents can keep coverage for 36 months, and disable people can continue medical benefits for 29 months. Because COBRA allows you to continue your pervious coverage, like all Kentucky health insurance, if your employer decides to stop offering health insurance to employees, then your COBRA coverage will also end. If this happens, or when your benefits run out, additional Kentucky health insurance is available through the Kentucky Comprehensive Health Insurance Association (ACHIA).

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

Some of the positives of residing in Kentucky are a low geographic disparity within the state, a low rate of uninsured population, a low violent crime rate, and a low incidence of infectious disease. Kentucky also faces many challenges, including having low immunization coverage and a high rate of cancer deaths.

According to a 2008 study, Kentucky had some significant changes over the past year. Over the past twelve months, the percentage of children in poverty increased by 9% and the prevalence of obesity also climbed by 9%. In the past five years, the rate of uninsured population decreased by 15%. Since 1990, the rate of deaths from cardiovascular disease decreased by 35%.

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

  • Prevalence of Smoking-49th
  • Prevalence of Obesity-40th
  • Violent Crime-20th
  • Children in Poverty-42nd
  • Air Pollution-43rd
  • Cancer Deaths-50th
  • Lack of Health Insurance-30th
  • Prevalence of Binge Drinking-1st
  • Infant Mortality-24th
  • Infectious Disease-18th
  • Premature Death-42nd

Overall Rank: 37
Change: +6