Kansas Health Insurance
Kansas HEALTH INSURANCE PROGRAMS
HealthWave - For low-income children up to age 19 who do not qualify for Medicaid and are uninsured, they can receive coverage through HealthWave. It is the state Children's Health Insurance Program in Kansas.
The Early Detection Works Program - This program provides low-income women with free screening for breast and cervical cancer. If a woman is diagnosed with cancer through this program, she can get full health care coverage through Medicaid.
Common Health Conditions in Kansas
- Arthritis
- Biliary Cirrhosis
- Hemiplegia
- High Cholesterol
- Ischemic heart diseases
Kansas Health Insurance Regulations
For one, Kansas health insurance policies can contain pre-existing condition exclusion periods. A pre-existing condition is one that you are being treated for, or have been diagnosed with, sometime before. The exclusion period can be imposed for a maximum of 2 years. During this time, your Kansas health insurance company is not responsible for any medical cost relating to the pre-existing condition. Also, Kansas health insurance companies can permanently exclude coverage for any pre-existing condition by attaching an elimination rider. This, of course, is done before you actually agree to purchase the policy. If you are switching Kansas health insurance companies or policies, new pre-existing exclusion periods can be required. For growing families, Kansas health insurance laws require that any Kansas health insurance policy covering dependents, must also cover newborns and newly adopted children for a minimum of 31 days. Finally, every Kansas health insurance policy is required to have guaranteed renewability provision. This provision states that, as long as premiums have been met, an insurance company cannot deny you continued coverage. At no time can your policy be canceled because you have fallen ill. Besides the policy regulations listed above, Kansas health insurance laws do not strictly regulate Kansas health insurance companies. Kansas health insurance companies operate at their discretion. For instance, you can be denied Kansas health insurance or can be charged high premiums for Kansas health insurance on the basis of your health. However, as mentioned earlier, once you have a Kansas health insurance policy, the insurance company cannot deny your request to renew your policy as long as you have met all the terms of your contract and paid your premiums on time. Because of these relaxed regulations, it is especially important, as a resident of Kansas, to purchase Kansas health insurance when your health is better and you are younger.
Kansas
2501 Market Place, Suite D, Salina, Kansas 67401
Website: http://www.kdheks.gov/
Phone: (785) 827-9639
