Kentucky Health Insurance
Kentucky HEALTH INSURANCE PROGRAMS
Kentucky Children's Health Insurance Program (KCHIP) - For low-income uninsured children under the age of 19 that do not qualify for Medicaid, they can receive health care coverage through KCHIP.
Kentucky Women's Cancer Screening Program - This program offers free breast and cervical cancer screening for low-income women in Kentucky.
Common Health Conditions in Kentucky
- Respiratory Disorder
- Acromegaly
- Emphysema
- Fibromyalgia
- Blood Pressure
Kentucky Health Insurance Regulations
One important Kentucky health insurance policy regulation you should be aware of is known as the guaranteed renewability provision. This provision prohibits Kentucky health insurance companies from terminating your health insurance policy on the grounds of illness. Also, Kentucky health insurance policies can include a exclusion periods for conditions you were diagnosed with 6 months prior to the beginning of your health insurance policy. If your Kentucky health insurance policy implements an exclusion period, the cost of any treatment you receive for the pre-existing condition is not paid for by your health insurance company. These exclusion periods can last up to 12 months. Kentucky health insurance policies can also contain elimination riders, the purpose of which is to exclude medical conditions from insurance coverage permanently. If you are switching Kentucky health insurance policies, your old plan's exclusion period can credit your new plan's exclusion period, provided there are no days in between the two policies that you are not covered. As an advantage to you, Kentucky health insurance policies that cover your dependents must also cover newborns and newly adopted children for the first 31 days. You, the parents, must then make the required health insurance policy adjustments to include the new child being covered. Also, handicapped dependents that exceed the age limit to be covered under a parent's Kentucky health insurance policy can actually continue to receive coverage under the parent's plan. Kentucky health insurance laws do not have strict policy restrictions. For instance, Kentucky health insurance companies are allowed to refuse you coverage or charge you more for coverage on the basis of your health and age. There are limits, though, to how much extra they can charged you based on these factors. However, Kentucky health insurance companies must offer a state standardized health insurance policy any individual to which they have agreed to sell health insurance. Also, unless you have violated a policy regulation, Kentucky health insurance companies cannot refuse to renew your health insurance policy. There may be times when you need to have a break in your major medical insurance coverage. In order to avoid new exclusion periods on treatment you have been perscribed with, you should purchase a temporary Kentucky health insurance policy in these instances. Conversion policies are a good option for temporary health insurance in Michigan. If you have recently left a fully insured group policy and have exhausted your COBRA continuation coverage, you are eligible for a conversion policy. You also qualify of you have lost your Kentucky health insurance coverage because of divorce or because you recently exceeded the age limit for dependent health care coverage. The policy premiums for these plans will likely be much more than you were originally paying and the coverage may not be the same. Still, these plans offer adequate and affordable Kentucky health insurance (without exclusion periods!) when you need it.
Kentucky
275 E. Main St., Frankfort, KY 40621
Website: http://chfs.ky.gov/dph/
Phone: 1-800-372-2973
