• Kentucky Health Insurance

    This blog was developed to help you, a normal person, understand the world of health insurance. Health Insurance can be incredibly complicated. We are here to help you navigate the confusion. In addition to our Blog, we are also a full-service Independent Health Insurance Agency. We work with all of the major carriers and provide the best in customer service. Get a free quote at One Source Benefits today!

  • Kentucky Health Insurance Terms

    Here are a few commonly used health insurance terms and their definitions for your reference. Premium: The amount of money you pay on a regular basis-once a month, four times a year, twice a year, or once a year-to the insurance company to keep your health plan active. You decide how often you pay. You can not apply what you pay for your premium toward your deductible. Deductible: The amount of out-of-pocket expenses you have to pay each year before your health plan kicks in and starts paying for services. This does not involve co-pays. Coinsurance: The percentage of money you have to pay out of pocket for covered services. It’s the portion of the bill not paid by your health plan after the deductibles have been reached. Discount: The reduced out-of-pocket cost you enjoy when you obtain health care services from a network provider. Free Look Period: The period the member has to review the contract and cancel the policy back to the effective date and obtain a premium refund. This time period is typically 10 days.

Kentucky Health Insurance Plan – Choosing Right

Posted on December 22, 2010 by kyfreehealthquotes

Choosing the right Kentucky health insurance plans means finding the right balance between the services you are looking for and your budget. To make the right decision, need to be aware about all the changes that are taking place on the healthcare front.

Kentucky Health Insurance Plan – Study Options

Kentucky health plans include indemnity health plans or managed-care health plans. With an indemnity plan, you get the advantage of a wide choice of healthcare service providers. Managed care plans work largely through a network of providers your health insurance company has tied up with. They include Health Maintenance Organization (HMO, Preferred Provider Organization (PPO), and Point of Service (POS) plans.

 

  • With a HMO plan, you see an in-network primary care physician. You would need to get a reference from this physician to see a specialist. HMOs mean a fixed monthly payment and sometimes co payments for services utilized, though the insurance company will not cover out-of-network services.
  • Membership a PPO plan means you get a wide choice of doctors and hospitals. You pay a coinsurance or proportion of the bill for the coverage you get and the plan pays the rest. A referral is not needed if you want to see an out-of-network physician, though the plan pays less when you do so.
  • POS plans combine features of both HMO and PPO plans. A primary healthcare doctor takes care of your health. If you are referred out-of-network, your plan covers most of your expenses. You can also see out-of-network providers without a referral, but at a greater cost.

Kentucky Health Plans – The HSA Advantage

Health Savings Accounts or HSAs lower your health insurance rates, reduce the taxes you pay and help build savings for retirement. To qualify for a HSA, you need to have a high-deductible health insurance plan. When your Kentucky health insurance plan comes into effect, your HSA also becomes operational. The funds in the HSA earn tax-free interest and roll over to the next year.

An established health insurance agent is your best option when it comes to choosing the right Kentucky individual health insurance plan. Look for a website that offers free health insurance quotes and expert guidance to help make the right decision.

 

 

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Kentucky Individual Health Insurance at Affordable Rates

Posted on December 8, 2010 by kyfreehealthquotes

The Patient Protection and Affordable Care Act, 2010 goes a long way in making health insurance affordable for millions of Americans. So it is now easier to find Kentucky individual health insurance at affordable rates. However, it is always an advantage to get professional help as a reliable agent can tell you about your best options.

Affordable Individual Health Insurance Plans

Insurance providers offer indemnity and managed health care plans. Indemnity plans allow you to manage your own healthcare. You can see any doctor you want. You pay upfront for services and your insurance company meets your claims later at a fixed rate. In the case of managed care, you have a choice of Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO) and Point-of-Service (POS) plans. The health insurance provider collaborates with hospitals and doctors to provide members health care services at fixed rates. Managed care is affordable as they mean lower out-of-pocket costs than an indemnity plan.

When choosing a Kentucky health insurance plan, consider factors like services offered, choice of providers and their location besides cost. You have to be certain that your plan will provide you the services you are looking for and how your plan will pay for them.

Some of the ways in which new legislation is working towards making individual health insurance more affordable are:

  • Health insurance companies cannot deny coverage to children with pre-existing conditions or use rescission to cancel policies retroactively
  • Annual and lifetime caps on the amount carriers will pay to cover health care expenses will be phased out
  • Children can stay in their parents’ health plan up to age 26
  • Immediate relief for seniors who reach the “donut hole” (the gap in their Medicare prescription drug benefit coverage)

Rely on Professional Assistance

If you are buying Kentucky health insurance this year or considering a change to a new plan, the most advisable option is to seek professional assistance. Reliable health insurance agents in Kentucky can help you compare different health insurance plans and their costs. The websites are the best place to check out the available options, get free, instant quotes and find Kentucky individual health insurance at affordable rates.

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KY Individual Health Insurance

Posted on November 29, 2010 by kyfreehealthquotes

Individual health insurance represents coverage for a single individual, a parent and dependent children, or a family. Insurance companies offer a plethora of KY individual health insurance plans and choosing the right one can prove quite daunting if you don’t go about it in a professional manner.

KY Individual Health Insurance – Important Considerations

Kentucky health insurance companies offer HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) plans at competitive rates. While HMOs work through an in-network provider, PPOs work through a group of hospitals, physicians, and other providers who contract with an insurance company to provide health care services to members at a predetermined rate. Though members can see physicians and hospitals out of the insurance company’s network with a PPO, these visits would mean they have higher out-of-pocket costs.

Your health insurance agent will help you get free quotes from leading health insurance providers in Kentucky like Humana, Anthem Blue Cross Blue Shield and more. Important considerations that you have to work out with your agent’s help when choosing an individual health insurance plan include the benefits of the plans, costs including monthly premiums, annual deductibles, and copays, and enrollment periods.

Individual Health Insurance in Kentucky – Reform Benefits

The Patient Protection and Affordable Care Act offer several immediate Kentucky individual health insurance benefits. Important among these are:

  • Medicare beneficiaries in Kentucky who hit the donut hole this year receive a one-time $250 rebate check. Additional discounts for seniors on Medicare will continue in the years ahead and till the donut hole is closed by 2020
  • New consumer protections in the insurance market
  • No lifetime limits on the coverage that insurance companies provide
  • No drop from insurance coverage if an individual gets sick
  • No exclusion of children from coverage because of a pre-existing condition
  • Children remain on their parents’ policy until they turn 26 (unless they have other options)
  • Affordable insurance for uninsured with pre-existing conditions

Contact a Reliable Agent

With so much happening on the KY individual health insurance scene, your best option would be to get in touch with an experienced agent for advice on getting a budget-friendly individual health plan to meet your needs.

 

 

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Kentucky Medical Insurance – Finding Affordable Coverage

Posted on November 24, 2010 by kyfreehealthquotes

Finding a suitable Kentucky medical insurance plan means carefully weighing your options. The best way to do this is to examine quotes from different insurance companies, compare them and then choose the policy that best suits your needs.

Affordable Medical Insurance Coverage – Important Considerations

Things that you need to consider when buying Kentucky medical insurance are: services covered by the plan, deductibles, copayments, provider network, and coverage for pre-existing conditions. You have a choice of HMO, PPO, and POS plans that are part of managed care. As compared to managed care, you get a greater choice of healthcare providers with indemnity plans.

Individual and Family Health Insurance

Family health insurance comes under individual coverage. Individual health insurance is that for which you pay an amount to cover your family. Such plans, if purchased on your own, can be customized to meet your family’s needs. Individual health insurance is affordable if purchased when you are young and healthy. Going in for a High Deductible Health Plan (HDHPs) is a good option as it offers lower premiums and higher deductibles than traditional plans. Combining your HDHP with a Health Savings Account (HSA) makes it very affordable. An HSA is a tax-free account in which funds are set aside to pay for routine healthcare including office visits, prescription drugs and lab tests.

Anthem Blue Cross Blue Shield and Humana offer affordable Kentucky health insurance plans designed specifically for individuals and their families. According to recent legislation, children can stay on their parents’ health insurance plan till the age of 26.Other benefits come in form of providing coverage to children under the age of 19 with pre-existing conditions, and banning insurers from placing annual limits below $750,000 in coverage for emergency services, prescription drugs, and maternity.

Group Health Insurance

Group health insurance is generally employer-sponsored health insurance. A group plan includes coverage for pre-existing conditions. The premium for group health insurance is lower for each individual when a large number of individuals are enrolled in the plan. The health of each individual enrolled in the plan has no effect on the premium. However, such plans are not customizable. Health insurance companies also offer affordable coverage for students in the group health plans in their school or university.

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Posted on November 12, 2010 by kyfreehealthquotes

Most Kentucky residents get health insurance through an employer-sponsored group health plan. If you do not come under such a plan, that’s when you should consider finding affordable Kentucky individual health insurance to cover yourself and your family. Individual and family health insurance plans are available for newborns on up to the seniors at age 65, self-employed and unemployed persons and students.

Selecting an Affordable Health Insurance Plan

Insurance companies offer different kinds of private individual health insurance plans for Kentucky residents. These include indemnity health insurance (fee-for-service), HMO (health maintenance organization) plans, PPO (preferred provider organization) plans, POS (point-of-service) plans, and HSA (health savings account) plans. A greater choice of doctors and hospitals usually means that a plan will cost more.

Leading insurance companies offering affordable health insurance in Kentucky include Humana, Blue Cross Blue Shield, Aetna and United. They offer various kinds of policies depending on the kind of coverage you need and the state of your health. A health plan would cost more for a person with health issues. However, according to recent legislation, individuals cannot be denied health insurance because of a pre-existing condition.

The best way to find an affordable Kentucky health plan is first see how much premium you can afford to pay and then look for a plan that meets your budget as well as the health needs of your family. You need to compare the quotes for the plans from various health insurance companies. Premiums differ for different kinds of individual health plans. Besides traditional health coverage and HSA-qualified High Deductible Health Plans, it would be helpful if there is a provision to add on optional benefits such as dental, life and supplemental accident coverage for an additional cost.

Get Professional Advice

Professional companies that represent leading insurance providers in Kentucky offer expert guidance on selecting the right kind of health insurance plan. They can help you get quotes and compare them to get affordable individual Kentucky health insurance.

 

 

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Kentucky Medical Insurance – Comprehensive and Affordable

Posted on November 1, 2010 by kyfreehealthquotes

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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Affordable Dental Insurance Plans in Kentucky

Posted on October 25, 2010 by kyfreehealthquotes

Dental insurance works the same way as health insurance does. In other words, as in the case of general health insurance, you can choose from indemnity and managed care plans for your dental needs. While many employers now offer their staff dental coverage, individuals who are not covered at the workplace can also get affordable dental insurance.

Affordable Dental Insurance Options for Kentucky Residents

Keeping you smile healthy is not as simple as it sounds. Professional dental care and treatment is expensive. So whether you are looking for individual or group dental insurance coverage you need to find an affordable dental insurance plan. Kentucky residents can choose from indemnity and managed care plans.

  • Indemnity plans offer a broader selection of dental care providers than managed-care plans, but mean higher out-of-pocket costs.
  • In managed-care plans, dentists participating in provider networks provide treatment at pre-negotiated rates.

When you buy a dental insurance plan, you pay a monthly premium that entitles you to care that includes basic dental treatment, x-rays, cleanings, regular checkups, and certain services that promote general dental health. Some plans cover even dental surgery, denture work, orthodontia, and other expensive dental procedures.

Affordable dental insurance plans for Kentucky residents include the following benefits:

  • Choice of dentist with discounts for in-network dentists
  • Coverage with dentists both in and outside the network
  • Coverage for most-used services plus choice of dentist
  • Coverage of in-network services only, with stress on preventive care
  • Cost-effective plans with emphasis on prevention

Some insurance companies like Humana One have health insurance plans that include dental insurance, but also offer independent individual dental plans. Anthem Blue Cross Blue Shield offers plans offering full coverage for diagnostic and preventive care as well as a fixed amount for basic and major dental services with providers in the company’s network. Many compnaies offer the option to add dental to your general health insurance plan.

Buying Dental Insurance

When you buy a dental insurance plan, make sure that you know what benefits you are getting. The best way to understand the fine print is to contact a reliable insurance agent representing insurance companies that offer affordable dental insurance plans in Kentucky. Visit the agent website to get free quotes and expert guidance on all your dental insurance needs.

 

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Anthem Blue Cross and Blue Shield in Kentucky ranked as top private insurer in state, according to National Committee for Quality Assurance

Posted on October 21, 2010 by kyfreehealthquotes

The National Committee for Quality Assurance Health Insurance Plan Rankings 2010-2011-Private ranked Anthem Blue Cross and Blue Shield in Kentucky as the top private health plan in the state.

NCQA’s Health Insurance Plan Rankings analyzed consumer satisfaction, prevention and treatment in 227 health plans nationally, including eight health plans in Kentucky.

This year, more than one-third of the plan’s clinical scores, or HEDIS scores, improved, including an increase in breast cancer screening. Last year, automated phone call reminders were sent to women 40-69 years of age who were not up do date with their breast, cervical or colorectal cancer screening.

To be eligible for rankings, health plans must authorize public release of their performance information and submit enough data for statistically valid analysis. NCQA’s Health Insurance Plan Rankings 2010-2011-Private used NCQA’s established rankings methodology, which has been used and widely recognized since 2005. Among the national rankings, Anthem Blue Cross and Blue Shield earned an 88 rating.

“The rankings provide customers with an important tool in evaluating health plans,” said Deb Moessner, president, Anthem Blue Cross and Blue Shield in Kentucky.  “If there was ever truly a ‘team honor’, this is it.  Anthem’s 1,200 associates come to work each day with the sole intent of supporting the health needs of our members. This recognition belongs to all of them.”

Anthem Blue Cross and Blue Shield in Kentucky currently holds Excellent Accreditation for its HMO/POS plan and has earned Quality Plus Distinction in Care Management and Health Improvement.

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Affordable Kentucky Health Insurance Plan

Posted on October 18, 2010 by kyfreehealthquotes

If you are looking for an affordable Kentucky health insurance plan, you need to carefully consider the various options available before you decide on which one is right for you. Whether you are looking for individual or family coverage or a short-term affordable plan, leading insurance providers have various options to suit your needs. Your aim should be to find a plan that serves your needs and at the same time, is within your budget.

Kentucky Health Insurance – Compare Options

To decide on the health plan that is best suited to your needs and budget, it is advisable to compare the various affordable options offered by health insurance companies like Anthem Blue Cross Blue Shield and Humana.

Anthem’s SmartSense is a plan with affordable premiums covering medical services as well as wellness visits, but not maternity benefits or brand drugs. Lumenos HSA, another affordable option from Anthem, includes a Health Savings Account apart from the traditional benefits. A HSA or health savings account has two components: a health insurance portion that covers medical and prescription costs, and a tax-exempt savings account in which you can set aside funds to pay for future health costs.

Humana’s HumanaOne Monogram is another affordable option. This low premium, high deductible plan covers unforeseen medical emergencies.  HumanaOne Autograph offers options to balance the cost of the premium and coverage, and includes up to six covered in-network annual office visits. Benefits like dental, life and supplemental accident coverage can be included in these plans for an additional cost

Whichever plan you choose, remember that a healthy lifestyle is important for a low premium.

Online Help to Find an Affordable Plan

One of the best ways to compare options and find a suitable health insurance plan is to search online. The search engine results for ‘Affordable Kentucky Health Insurance Plan’ would help you find, examine and compare various policies from different companies. The websites of independent agents are also ideal places to look for affordable health plans in Kentucky. Just call a reliable agent for valuable advice on finding a suitable health plan for you and your family. 9CRTMXTKQ39E

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U.S. Healthcare Reform – Revamping for the Future of Healthcare in the US

Posted on October 7, 2010 by kyfreehealthquotes

The healthcare system in America is going through a process of massive reform which aims to restructure state-sponsored and non-government programs and offer competitive health insurance in the open-market. Achieving these goals mean bringing about changes in healthcare delivery, programs, administration and the responsibilities of providers, physicians and patients as well as Malpractice Insurance Reform.

Changes We Will See

Starting September 23, 2010, the first year of healthcare reform addresses some of the most widely prevalent coverage issues:

  • Lifetime coverage limits have ceased to exist and annual limits are restricted.
  • Insurance companies cannot cancel your coverage because you get sick.
  • Insurance plans have to grant coverage to children with pre-existing conditions.
  • Young adults up to age 26 ( and even higher in some states)can remain on their parents’ health insurance plan, married or not.
  • Medicare prescription drug beneficiaries get a rebate to cover gaps in payment.
  • Medicare enrollees will get free annual wellness visits and personalized prevention services.
  • Small businesses get a tax credit to help provide coverage for workers.
  • States will get assistance to expand the Children’s Health Insurance Program, establish treatment effectiveness and review health workforce needs.
  • Community health centers will provide low-cost health care.
  • Starting 2011, overpayments to insurance companies will be frozen and phased down in the years to come. Most of the payments that people make to insurance companies through Medicare Advantage will go towards their care rather than insurance company profits.

Starting 2012, models for healthcare litigation reform and to establish best practices will be set in motion. A national pilot program for Medicare will effect payment bundling so that doctors, hospitals and other care providers can better coordinate patient care. 2013 will see greater transparency in financial relationships among health entities like hospitals, physicians, pharmacists and providers of pharmaceuticals, devices, medical supplies.

 

In 2014, all American citizens and legal residents will be required to have insurance and to pay a fine if they do not. States will set up health insurance exchanges for small businesses and individuals, although more competitive plans will probably be more complete and affordable in the open-market. Companies with more than 200 workers will be required to have an employee health plan. Employers will get tax benefits for providing insurance. Businesses with 100 employees or fewer can offer them insurance through the state’s exchange or a health insurance pool or in the open-market.

Insurance Providers – Focus on Compliance

Insurance companies in the U.S. are focusing on achieving compliance with the new legislation. They are busy working on updating plans to meet the new requirements and to offer people the healthcare benefits that the state intends them to have. Insurance companies are doing their bit to educate their customers and healthcare providers in their network on the new scenario so that they can find the way forward.

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