Posted on May 27, 2018
Everyone is aware these days of the rising cost of healthcare. One night in the hospital could cost thousands of dollars and that is why it is foolish to try and go without reviewing some of the quality and affordable Kentucky Individual Health Insurance Plans now available. There are a wide variety of coverage plans available to meet just about any budget. Premiums can be kept down through high deductibles and coinsurance rates; this will give you some peace of mind and protect your family from a financial disaster.
The price of health insurance coverage in Kentucky is going to depend on the benefit options you choose. A very basic insurance plan with a high deductible and coinsurance rate can be very affordable. HumanaOne Monogram is one of the most affordable of all plans providing you with basic coverage without breaking your budget. To get the low cost premiums you will have to carry a deductible of $7500 for single coverage and $15,000 for a family plan. Once you reach your deductible, HumanaOne Monogram covers 100% of most in-network medical costs.
Anthem offers a similar low cost plan to help customers afford to carry health insurance in Kentucky. Anthem’s SmartSense plan offers affordable price options with essential benefits. The cost of the premium will depend on the deductible that you choose and the amount of coinsurance. Deductibles will range from $500 for individuals up to $10,000 and $1,000 for families up to $20,000. The plan includes a copayment for office visits of $35 with the deductible waived for the first three visits of the year. Coinsurance rates are either 30% or 50% if you stay within the provider network in Kentucky and jump to 50% or 70% if you go outside the network. This plan does include prescription drug coverage of either a $15 copayment or 40% coinsurance. The plan also includes benefits for other medical services like home health care, hospice care, mental health care and substance abuse.
Shopping for the best health insurance plan in Kentucky at the best possible price can be very confusing. Many people have found that it is helpful to work with an experienced independent insurance agent to evaluate all the different plans available in the state.
Posted on May 20, 2018
Are you searching for an affordable health insurance plan? There is one plan that can save you a lot of money on health insurance in Kentucky. This plan is an HSA Health Savings Account paired with an HDHP High Deductible Health Plan.
Kentucky Health Insurance Plans
There are a multitude of companies selling health insurance these days. These companies offer plans in all shapes and sizes from traditional, to HMO, PPO, and POS, to the new HSA tax-exempt health savings accounts.
What is an HSA health plan? An HSA is a special tax-exempt savings account that allows you to save money for future medical expenses and deductibles. You can use the money in your health savings account to pay for expenses related to healthcare including doctor visits, bandages, and prescriptions.
In order to qualify for an HSA, you must first purchase a high deductible health plan. High deductible health plans are now offered by most major insurance companies. So if you’re looking for a low premium, low out-of-pocket health insurance plan, an HSA paired with a high deductible health plan may well be the answer you’ve been looking for.
Kentucky Free Instant Health Insurance Quotes
One of the best ways to learn more about Kentucky health insurance is to go to an insurance quote website and request free quotes. Immediately after you complete their short form, you’ll get several low cost HSA, HMO, PPO, and POS quotes while still online. After you have your quotes, you can compare plans and visit their websites for more detailed information.
Posted on May 14, 2018
Many of us have taken to the Internet when we feel an ache or pain coming on. Self-diagnosis has become all the rage as many websites are now devoted to providing information related to all types of medical conditions. Although it’s not a great idea to try and determine what’s wrong with your health by looking online, the Internet can be a terrific resource when it comes to your health. Finding cheap health insurance online in Kentucky is a breeze if you have a computer with an Internet connection and a general idea of what type of health insurance policy is right for you.
If you are a parent who is expecting a baby, it’s a great idea to secure health insurance before the birth. You’ll want this in place not only to cover the costs associated with the labor and delivery but also to ensure that the baby receives whatever health care they need. Newborns in Kentucky are automatically covered under their parents’ health insurance plan for the first month after their birth.
Many people are discovering the promise of natural medicinal approaches. Procedures such as acupuncture and massage can now be added to a standard health insurance policy. If this is something that you consider to be a fundamental part of your health care regimen it’s important to weigh the cost of the treatments against the added cost to your premiums. This is also true of many of the traditional optional types of coverage including massage, dental and vision care.
Once you do find a policy that you are considering purchasing, you may want to do that online. Many health insurance companies have secure websites which enable consumers the chance to seek out coverage, choose a policy and then pay for it all online. If you’re comfortable doing this it can be a great time saver and can also guarantee that your coverage is in place sooner.