Health Insurance Carriers in Kentucky (KY) at Health Insurance Carriers
Kentucky Insurance regulations differ from that of other states' regulations. A few of the details below. Check out the links of a few recommended providers, too. When you’re done researching, request your free, personalized health insurance quote.
Kentucky health insurance carriers offer a wide range of health care coverage. Below, we have brought together a summary of our research to help you find the information you need. Review the carriers we recommended, and use the links provided to learn more. You can also review the state regulations for health insurance in Kentucky.
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Health Insurance Providers in Kentucky
Anthem Blue Cross and Blue Shield
Assurant Health (Formerly Fortis)
CHA Health HMO
Clarendon National
Fairmont Specialty Group / TIG
Security Life
Individual Health Insurance in Kentucky
- Providers may deny coverage due to health issues.
- Each plan offered must be a standard health plan.
- Types of plans offered can be indemnity, HMOs and PPOs.
- Providers may also offer customized plans.
- If the case of a pre-existing condition, providers can impose an exclusion period of up to 12 months.
- With continuous health coverage prior to the new policy, creditable coverage applies to the exclusion period.
- No exclusion riders on pre-existing conditions may be attached to policies.
- Coverage cannot be cancelled due to your sickness, but premiums may be increased at the time of renewal with a few limits.
- Conversion policies are available to those who qualify.
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Group Health Insurance in Kentucky
- Eligible applicants may not be denied coverage due to health problems.
- Changes in life situations may create added enrollment opportunities for group health coverage.
- Employers and HMOs may require a wait period for health coverage.
- Providers may review medical records for a pre-existing condition for the prior six months only.
- In the case of a pre-existing condition, providers may exclude related claims from coverage for the first 12 months.
- With no lapse of health coverage for more than 63 days, prior insurance may be credited to the exclusion period.
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Small Business Health Insurance in Kentucky
- Small businesses with up to 50 employees may not denied group health insurance.
- Coverage may not be cancelled because of sickness of members of the group, nor be charged higher premiums.
- Providers must offer a standardized health plan in addition to other insured health plans.
Self-Employed Health Insurance in Kentucky
- The self-employed may not purchase group health insurance.
- For rules governing affiliations with a professional association for the purpose of purchasing group health insurance, contact the Kentucky Department of Insurance.
Kentucky Department of Insurance
215 W. Main Street
Frankfort, KY 40601
(502) 564-3630
doi.ppr.ky.gov/kentucky
Kentucky Health Care Programs
Kentucky Access, Medicaid, Kentucky Children’s Health Insurance Program, Breast and Cervical Cancer Treatment Program are assistance programs available to those who qualify.
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