As with the residents of other US states, people living in Kentucky have the option to choose from a wide range of individual health insurance plans. In fact, getting affordable Kentucky health insurance to meet your needs is not difficult, as long as you go about it in the right way. This means that you have to be aware of all the options open to you, study them, understand the fine print and choose the right plan.
Overview of KY Medical Insurance Options
The basic kinds of managed care Kentucky health plans that you can choose from are HMO, PPO, POS, and HSA plans.
- Health Maintenance Organization (HMO) plans are more affordable than others and a good choice for a family that does not have too many health issues. They allow you to see an in-network primary care physician who can refer you to a specialist if the need arise.
- Preferred Provider Organization (PPO) plans cost more than a HMO, but offer a wider network of health care providers. These plans are based on fixed arrangements with doctors and other healthcare providers. You can opt for a PPO which offers services from in-network providers or choose one that provides out-of-network care.
- Point of Service (POS) plans combine features of both HMOs and PPOs and are designed to ensure affordability. You can see any out-of-network physician or specialist you want, though your costs may be higher than with a HMO.
In any case, when it comes to getting affordable but comprehensive coverage, you would have to consider and compare various factors such as members in your family who need insurance; premiums, additional payments including copays and deductibles; whether preventive screenings are covered; whether inpatient care includes surgery costs, board and incidentals; visits, emergency care and prescription coverage.
Comprehensive Medical Insurance from Various Providers
Anthem Blue Cross Blue Shield, Aetna, UnitedHealth One and Humana are companies that offer different kinds of health plans for individuals, families, business owners looking to provide employee insurance, short-term plans, and more. They offer Health Savings Accounts (HSAs) that are tax-free when combined with high deductible health plans (HDHP), and allow you to pay for qualified medical expenses. Many Kentucky health insurance can be customized.
The First Step towards Affordable Health Insurance
Ideally, the first step towards getting affordable medical coverage is to contact a professional company that represents leading providers. An established insurance agent would have all the necessary resources to offer exceptional customer service, and would also provide expert advice and guidance to help you secure affordable Kentucky health insurance to meet your needs.
