With the almost daily increase in medical costs, having Louisville health insurance is extremely important. Minor injuries or health problems can even result in very expensive medical bills. The increase in costs are forcing many employers to drop their company's group health plan, leaving up to the individual to find their own health insurance coverage.
Kentucky residents have many options to choose from when it comes to health insurance. There are multiple health insurance companies that offer a wide range of policies for a variety of health needs. When reviewing rates and policies for health insurance, there are several things to consider including deductibles, co-pays, premiums, and prescription medication coverage.
Online Health Insurance Quotes
Getting an online health insurance quote from Braden Insurance is simple, fast, and free. Just give us some basic information and we can provide you with quotes from companies like Anthem (Blue Cross Blue Shield), Humana, United Healthcare, and more. Our agents can provide all the information you need like the network of doctors and specialists offered and accessibility, coverage of pre-existing health conditions, health screenings, prescription drugs, additional services, exclusions, and cost.
If you want to save time, find the best rates, and get the best coverage for you and your family, we can help. An agent will work with you to find a plan that provides just the right amount of coverage for your situation.
Choosing a Suitable Health Insurance Plan
When considering which plan to choose, you need to be aware of and understand the services offered, your choice of providers, and costs. It's important to make sure your plan covers any services you may need or that you understand additional costs for these services. You'll definitely want your primary care physician to be included in the choice of providers.
It's also important that you fully understand what your premium will be and any co-pays or deductibles. Talking with one of our agents can give you the assistance and expertise you'll need to ensure you cover all these points in your policy.
Kentucky Health Insurance Laws and Regulations for Individual Plans
There are a few laws and regulations you should be aware of when looking for individual health insurance. Kentucky health insurance laws mandate the coverage of certain medical services such as diabetes care, mammograms, hearing aids for children, and medical care for pregnant women. Setting coverage limits and maximums for mental health conditions equal to physical conditions is also required by health insurance companies in KY.
There is a standard plan that must be provided by all KY health insurance companies and although the benefits are the same, prices may vary, so it's important to compare rates and options.
The standard health insurance plan options include:
- HMOs (Health Maintenance Organization)
- Fee-For-Service (FFS) indemnity plans
- PPO (Preferred Provider Organization) plans
- Point-of-Service (POS) plans
In addition, Kentucky health insurance plans are guaranteed renewable, meaning an insurer cannot cancel coverage if a policyholder gets injured or sick. If you are leaving a group health plan, an insurer can not require coverage exclusion or waiting periods if they are HIPAA-eligible.
How Can a Health Insurance Agent Help
Deciding on the right plan can be a daunting task if you try to do it alone. Our reliable agents can help you find affordable coverage and save you money on your Louisville health insurance plan. Be sure to ask any questions you may have about coverage, co-pays, and deductibles and we'll make sure you get the answers you're looking for. Together we can customize a health insurance plan to suit your needs.