subject: Kentucky Medical Insurance – Comprehensive and Affordable [print this page] Kentucky Medical Insurance Comprehensive and Affordable
Kentucky medical insurance companies offer a whole range of comprehensive and affordable plans for individuals, families, small business, self-employed, students and people who need temporary coverage. Finding the right plan means comparing the options offered by the various providers. The best way to go about this is to use the online resources offered by reliable insurance agents.
Types of Kentucky Medical Insurance
Kentucky health insurance includes indemnity (fee for service), HMO (Health Maintenance Organization), PPO (Preferred Provider Organization) and POS (Point of Service) plans. With indemnity plans, you have a greater choice of health providers, though you may have to pay your bill upfront and claim reimbursement from your health insurance company later. The features of managed care plans are as follows:
HMO plans are a preferred choice as they have low premiums. They provide service through a network of doctors, medical personnel and facilities that work directly for the HMO. You can select your primary care physician who would refer you to other providers in the network if necessary.
With a PPO plan, your medical bills are fully covered if you see a doctor or hospital in the network. You are provided basic medical care and would have pay fixed monthly premiums.
In the POS plan, you see a doctor in the network and he would refer you to other in-network physicians if needed. However, there could be a deductible for non-network care, and co-payments could be quite high.
A High Deductible Health Plan (HDHP) which features lower premiums but higher deductibles than a traditional plan are useful when combined with a Health Savings Account (HSA). Benefits include catastrophic coverage plus a tax-free savings account to save money for routine medical expenses.
HumanaOne and Anthem Blue Cross Blue Shield offer several affordable and flexible Kentucky medical insurance plans. Offering customized solutions, they allow you to add on supplemental accident benefits and dental benefits at an additional cost.
Professional Help to Choose the Right Plan
Getting in touch with a competent insurance agent would help you in your search for Kentucky medical insurance. Offering expert online guidance and facilities to get and compare free quotes from leading insurance providers, such assistance is indispensable when it comes to reducing costs without compromising quality.
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