Enrolling in the Right Kentucky Health Insurance Plan
Kentucky health insurance companies offer different types of plans for individuals and
families. Going by a few important considerations can help you enroll in the right
Kentucky health insurance plan.
Most people in Kentucky get health insurance through their employer and are enrolled in
a HMO (health maintenance organization) or PPO (preferred provider organization) plan.
However, if you intend to purchase Kentucky health insurance on your own or enroll in
Medicaid or Medicare, you can choose from a variety of health plans. Here are some tips
to help you enroll in the right Kentucky individual health insurance plan:
• Find a health plan that provides coverage in the area where you live. PPOs allow
you to choose doctors and hospitals that are not in the plan’s network. However,
with a HMO, you can choose only doctors, hospitals, and other providers in its
network, which may cover a smaller area.
• If you want to continue to see your current doctor, make sure the Kentucky health
insurance plan you choose includes that doctor. This also applies if you are
seeing a specialist. Call your doctor’s office or check the plan’s health provider
list to find out.
• Make a list of your family’s health needs and choose a plan that covers those
needs. For instance, if you need prescription drugs, see if these medicines are
included in the plan’s drug list. A person who plans on starting a family should
see whether the health insurance plan offers pregnancy coverage.
Some plans do not provide coverage for pre-existing conditions, so if you have a
chronic illness, be wary. Health reform seeks to eliminate these pre-existing
condition requirements and prohibits insurance companies from denying
coverage to a child for a pre-existing condition. This rule will apply to adults
starting in 2014.
• Shortlist a few plans that meet your needs and compare cost. You will have to
compare monthly premiums and out-of-pocket expenses such as deductibles,
copayments and co-insurance. You have to cover the full cost of your premium
when you purchase a Kentucky individual health insurance plan on your own.
A plan with a high annual deductible will have a lower monthly premium, and vice
versa. A high deductible plan is the ideal choice for a young person who is in
good health and does not expect to have many doctor office visits.
• Compare the quality of plans: This is not easy. However, there are some things
you can do: check out the doctors and hospitals in the plan network. See if you
can find out how the plan ensures good medical care. If someone you know has
enrolled in a plan you are considering, ask for their opinion on its services.
Always choose to buy your Kentucky health insurance plan from a leading health
insurance company. The best way to do this is to browse the website of an established
and licensed health insurance brokerage. This will give you access to a wide variety of
plans and the facility to request free quotes. You can also benefit from professional
guidance to enroll in the right plan.