Kentucky Family Health Insurance

Are you looking for Kentucky family health insurance?  If so, there are several things you should know.

Always deal with a local independant agent who specializes in Kentucky Health Plans and who represents all major health insurance companies – out-of-state agents may not know the details of the Kentucky plans and could very well (and many times indeed do) recommend the wrong plan
Avoid giving anyone your billing information over the phone until you have had a chance to review the plans on your own. Most carriers will bill you even for the initial premium payment.
Do not feel pressured. Take your time and understand the plan that you are about to purchase to insure your family.
The plans need to be explained in detail or you may end up getting stuck with hundreds or thousands in hospital or doctor bills after you come to find that your plan “doesn’t cover this or that…”

In Kentucky, there are many providers that cater to a family searching for health insurance that will sell you a “mini-med” plan.  You should know that this is NOT a comprehensive health insurance plan.  These plans are considerably cheaper, but when push comes to shove, they do not provide good benefits to you or your family.  Here, the golden rule applies, you will get what you pay for.

Do not be misled by an agent who assures you he or she can get you the best or lower rates.  ALL insurance rates are set by the government and there are no deals or discounts that can be offered.  Many times an agent will quote you a lower rate without taking your age or medications into account and then once the plan is issued you will receive a much higher monthly premium. Don’t be caught off guard!

For more information click here: Kentucky Family Health Insurance