Health Insurance Carriers in Kansas (KS)
The Health Insurance Carriers available in Kansas offer several types of coverage to choose from. Using the links below, you can learn about the carriers we recommend. We have also summarized several Kansas Health Insurance regulations so that you can make an informed decision about the coverage that is available.
Health Insurance Providers in Kansas
American Medical Security
Assurant Health (Formerly Fortis)
BlueCross BlueShield of Kansas
BlueCross BlueShield of Kansas City
Celtic
Humana
Security Life
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Individual Health Insurance in Kansas (including Self-Employed)
- Private providers can deny coverage to applicants with health issues.
- If there is a pre-existing condition, the provider may apply an exclusion rider or limit coverage for up to 24 months.
- Pregnancy may be classified as a pre-existing condition.
- There is no creditable coverage available.
- Health problems may create costly premiums with no set limitations.
- Coverage cannot be cancelled because of sickness.
Self-Employed Health Insurance in Kansas
- The self-employed may not purchase group health insurance plans.
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Group Health Insurance in Kansas
- Qualified individuals may not be denied coverage or be charged more because of a health problem.
- Employers may require a waiting period before offering group health insurance.
- Life changes may create added enrollment opportunities for group health coverage.
- If there is a pre-existing condition, different group plans have different rules regarding how far back into medical history providers may look.
- Exclusion of a pre-existing condition from coverage is limited and the maximum length is dependent on the type of plan.
- If continuous health coverage is maintained with no break for more than 63 days, new insurance must offer creditable coverage.
Small Business Health Insurance in Kansas
- Small businesses may not be turned down, charged more, or cancelled due to health issues of members in their employ.
- The state allows small businesses with up to 50 employees to buy group health insurance through a statewide alliance or trade association.
- Contact the Kansas Insurance Department for regulations that govern professional associations which offer group health insurance.
Kansas Insurance Department
420 South West Ninth St.
Topeka, KS 66612
(785) 296-2283
www.ksinsurance.org
Kansas Health Care Programs
- Conversion policies are available to eligible applicants.
- Kansas Health Insurance Association, Medicaid, Healthwave, Early Detection Works Program are government programs designed to help those with low incomes or expensive health problems.
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