kentucky insurance

kentucky insurance

Health Insurance – Is Humana the Best Choice?

Posted on November 28, 2018 in Uncategorized

Kentucky health insurance plans and providers vary in all states in America. Each state has its own separate set of rules and requirements that providers must adhere to. Residents of this state have many medical plans and options to choose from and finding the right insurance company and the right plan can be difficult. If you are a resident of Kentucky who is looking for the right coverage and insurer to fit your specific needs, Humana may be the best option.

Humana, which was founded in 1961, has headquarters located in Louisville, Kentucky. This company provided quality coverage for many years now and is one of the most popular health insurance companies in Kentucky and several of the other states. Humana offers coordinated medical coverage and the health insurance options are ideal for many residents of Kentucky and residents of other states. The Choice Care Network includes over three hundred thousand physicians and care providers all over America, so there should be no worry about quality care. Humana One is the health insurance plan that covers individuals. Humana One individual plans have a number of policies available to residents of Kentucky. Individuals and families can choose from four deductible choices in these Humana One plans and will have various other options as well. These individual health plans are some of the most popular individual health plans in Kentucky and in several other states.

Along with extensive individual Kentucky medical policies, Humana offers types of plans that you can build on your own. Humana offers the Portrait Plan, which will benefit those who are self employed or those who are early retirees from a company that offers no health insurance plan. With this plan type, the customer will pay twenty percent of their medical bills and Humana will cover the other eighty percent. Also, the Portrait Plan offer’s unlimited co-payments as long as you stay within their physician network for your doctor visits. Humana also offers plans that are built for providing medical insurance for families with many options and additional family policies. Humana family insurance plans are of the finest quality and accepted widely among doctors and hospitals in Kentucky. Talk to an experienced independent agent who can clearly explain the many options available and even compare Humana health insurance plans with other Kentucky health insurance plans.

Affordable Individual Health Insurance Plans – Should it Be a Health Savings Account Or a PPO?

Posted on November 20, 2018 in Uncategorized

With the price of healthcare sky high, individual and families looking for affordable Kentucky Individual Health Insurance Plans, a health savings account (HSA) has become an affordable option to pay medical bills. Money put into the account (subject to the IRS guidelines) is not taxed like other income and can be used to pay high deductibles or co-payments and even some over the counter medications. In Kentucky, one of the top insurance companies is now offering a combination coverage plan which can help make obtaining health insurance more affordable.

The plan comes from Anthem Blue Cross and Blue Shield and is known as the Lumenos HSA. Lumenos is one of the newest offerings from Anthem and was designed to give you more control over your health care costs. Anthem says it offers “traditional health coverage benefits that can be paired with a Health Savings Account for more flexibility and potential tax advantages.” The features include complete coverage for preventive care before the deductible. Lumenos takes advantage of the PPO network offered in other Anthem plans to obtain savings for the customer. The plan does carry a high deductible of at least $1500 for an individual plus coinsurance options of 50%, 20% or 0%. Money that you place into your HSA is supposed to cover those out of pocket expenses.

Anthem says the Lumenos plan works with or without setting up a health savings account. U.S. law says only people with high deductible health plans can open a HSA which will earn interest, investment options include a number of mutual funds. In Kentucky, Anthem also offers other options for insurance coverage including their Premier plan and SmartSense plan. The Premier plan offers the highest level of benefits but also carries the highest monthly premiums.

Humana also offers a variety of health insurance plans in Kentucky. All of the plans require members to obtain health care from providers within their large network across the Bluegrass to achieve the best savings. Humana’s top plan is the Portrait which is very similar to the type of coverage provided by most large employers. Deductibles range from $1000 for an individual up to $5000 for families. The plan covers 80% of most in network services and requires you to pay the remaining 20% however office visits in network are covered at 100% of the cost.


Where to Get Cheap Kentucky Automobile Insurance

Posted on November 14, 2018 in Uncategorized

Kentuckians pay on average more than $900 a year for automobile insurance, and most are paying too much. Here’s how to get cheap Kentucky automobile insurance with a reputable company.

Kentucky Automobile Insurance Requirements

Kentucky is a no-fault state, meaning that your insurance company will pay for your injury claims, up to a certain amount, no matter who caused the accident. Kentucky auto insurance laws state that you must carry the following minimum amounts of liability insurance to drive in the state:

1. $25,000 worth of bodily injury liability coverage to pay for the other person’s medical bills when you’re found to be at fault in an accident.

2. $50,000 worth of bodily injury liability coverage to pay for all other persons’ medical bills when you’re found to be at fault in an accident.

3. $10,000 worth of property damage liability coverage to pay for damage to the other person’s car or personal property when you’re found to be at fault in an accident.

The above liability insurance is all the law requires. However, if you want full protection you should include the following coverages in your policy:

Collision– pays for repairs to your car after an accident, regardless of who was at fault. If you’re financing or leasing a new car your dealer will require this insurance.

Comprehensive – pays for repairs to your car after it’s been damaged by anything other than a collision – fire, vandalism, theft, storms, or hitting an animal. This coverage, too, is required by most dealers.

Personal injury protection – pays your medical bills and your passenger’s medical bills after an accident.

Uninsured motorist – pays for damages to your car when the accident was caused by uninsured, underinsured, or hit-and-run drivers.

Cheap Kentucky Automobile Insurance

To insure that you’re getting the cheapest rate with a reputable company, visit an insurance comparison website. There you can get multiple quotes from A-rated companies so you can compare them and choose the best one.

The best of these sites have an articles section where you can get more money-saving tips, and an online chat feature where you can get answers to your questions from an insurance expert (see below).