Affordable Dental Insurance Plans in Kentucky

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.

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

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.

Affordable Kentucky Health Insurance Plan

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.




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

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.

Kentucky Health Insurance Providers

Kentucky health insurance providers focus on delivering affordable health insurance solutions for individuals, families and businesses in the state. Providers vie with each other to offer customers personalized service, competitive rates and a wide range of products and services, though all Kentucky health insurance is regulated by law.. Online sites that represent leading health insurance companies are the best place to look for a Kentucky health insurance plan. They provide quotes for various plans and also the resources necessary to choose the right plan.

In Kentucky, all health insurance companies have to offer the same standard health benefit plan. Individual insurance coverage depends on factors like health, age, postal zip code of residence, and lifestyle specifics. Kentucky health insurance providers can deny the application for an individual policy based on the status of a person’s health, though not if the person comes under a group or employer plan.

Health Insurance Coverage Options

Leading health insurance companies like Humana and Anthem Blue Cross Blue Shield offer a variety of Kentucky health plans, including PPO, HMO, and POS. Normally, HMO policies involve just a copay and are very affordable.

Humana’s multiple coverage ranges from plans covering the basic necessities to those that include specialists and prescriptions, and dental, term life and Medicare Supplement coverage. Anthem Blue Cross and Blue Shield plans offer similar options as well as coverage for preventive care and safeguards against high medical bills.

Choosing a Health Insurance Provider in Kentucky

If you are buying Kentucky health insurance for the first time or wish to switch plans or providers, it is best to seek professional help. Websites representing health insurance companies offer all the guidance you need to choose a health insurance provider and an ideal health plan. Services offered include:

• Free instant online quotes and expert assistance to compare plans
• Professional guidance to choose the right plan by considering summary of benefits, costs, annual deductibles, copays, enrollment periods, and more
• Personalized solutions
• Support through the application process and coverage period.

Most of these representative firms have years of experience and are not paid by commission. They can therefore offer an unbiased opinion about Kentucky health insurance providers and their coverage options.


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