If you have health insurance in Kentucky you’ll be glad to know that your coverage cannot be cancelled if you happen to become ill. Kentucky is one state that has laws in place that guarantee renewal for individuals buying health insurance. If you’re currently in the market for a policy, you’ll likely be more interested in which company can offer you the best rates.
The easiest way to find the best rates on any type of insurance product is to do some comparison shopping. To do this you need to contact several of the companies within the state that offer health insurance policies. Be very specific about the type of coverage you seek and ask them about any discounts they may be offering. Ensure that you are very clear on the length of the term being offered by each insurer so you can then compare the pros and cons of each to reach an informed decision.
Although each company will typically offer slightly different discounts you’ll want to also keep in mind that some types of coverage just may not be necessary. If you have a college age child you may be able to remove them from the policy which will ultimately result in lower rates. Only do this if the child is able to secure low cost health insurance through their college though.
Dental care is an optional type of coverage that many people add directly onto their health insurance plan. This isn’t always the best choice as you may be able to find a less expensive dental policy with another company. It’s a good idea to ask for a quote based solely on the health insurance you needs, sans any dental, vision or chiropractic insurance. Any of those extras can be added on after the fact when your budget can allow it.