How To Choose The Right Kentucky Health Insurance Plan
Kentucky health insurance companies in the individual market are authorized to sell different types of policies and do not have to standardize them
. So choosing the right health insurance Kentucky plan can be something of a challenge. The most important thing is to prioritize, understand your options and settle for a quality plan.Kentucky Health Insurance Plans from Leading Providers
Leading Kentucky health insurance companies such as Anthem Blue Cross Blue Shield, Assurant and HumanaOne offer several types of health insurance Kentucky plans for individuals and families in the Blue Grass State.
Anthem provides three choices: Lumenos, Premier Plus and SmartSense. Lumenos features traditional healthcare coverage that can be combined with a Health Savings Account (HSA). This plan offers no maternity benefits but includes dental, life insurance, and extended mental health benefits. Premier Plus has a higher premium and therefore offers the a high level of benefits such as unlimited doctors' office visits, with predictable copayment before the deductible, choice of prescription drug coverage and preventive care benefits. You can add on maternity benefits too at an additional cost. The SmartSense Plus plan is an affordable option with streamlined benefits and choices, and customizable options, but no maternity benefits.
Assurant offers two individual health insurance Kentucky plans: CoreMed and OneDeductible. CoreMed offers a wide array of benefit options, including coverage for the unexpected, and you can control premiums by adjusting benefits. With OneDeductible, you have a common deductible for all family members. You have the option to get tax advantages with a HSA and even reduce the deductible amount you pay. Supplemental products that can be added on include dental, accident, and term life insurance
Humana allows Kentucky residents to select a Copay plan, a 100% After Deductible plan, a HSA-qualified High Deductible Health Plan (HDHP), or a Short Term Medical plan. Choose the Copay plan if you have more predictable doctors office visits. The 100% After Deductible plan may be a good fit for you if you want to know your deductible amount. Once you meet the deductible, the plan pays the full amount for most covered in-network services. The HSA-HDHP has a low premium and saves tax dollars to pay for your deductible and other qualified medical expenses. The Kentucky Short Term health insurance plan is ideal if you need coverage immediately and for less than a year.
How to Decide Which Health Plan is Right for You
Most of the Kentucky health insurance plans outlined above are comprehensive, flexible and can be customized to suit your needs. In other words, you can choose your deductible, lower premiums, use your health savings account the way you choose, and add on many supplemental options like dental and vision care. The tricky part is choosing the right plan. Some questions you could ask yourself are:
Does the plan have the doctors and hospitals I want or need?
Does it provide the benefits I need?
Does it provide the services where and when I need them?
Does it meet my budget?
Making the right decision is always easier with the right advice. So contact an experienced Kentucky health insurance broker before you take the plunge.
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