Kentucky Health Insurance - 5 Myths

Kentucky Health Insurance - 5 Myths

MYTH #1:  I DON’T HAVE A LOT OF CHOICES

The Truth: There are four companies that offer individual health insurance and each one has, on average, six different plans. That’s over 42 plans to choose from.

MYTH #2: IT’S IMPOSSIBLE TO LOWER MY RATE WITHOUT A DOWNSIDE

The Truth: Most people think that in order to lower their rate they have to give up benefits or choose a higher deductible. This is not true. You can choose a new plan on the market with the same benefits and save a significant amount of money

MYTH #3:  I CAN’T GET COVERAGE DUE TO A HEALTH CONDITION

The Truth: You would be surprised at the options available if you have certain health conditions. Of course, there are always going to be conditions that are automatically uninsurable. It is best to check with your agent and they can guide you toward the company that is most likely to offer you coverage.

MYTH #4:  IF I CHANGE PLANS I’LL HAVE TO CHANGE DOCTORS

The Truth: This is not correct. Most major carriers use two or three networks and most doctors participate in all major networks.

MYTH #5:  CHANGING PLANS IS JUST TOO TIME-CONSUMING

The Truth: This used to be the case but now we’re in the internet age. You can review plans in minutes and applications can be filled out online in five to ten minutes. There are no physicals needed to apply. Approvals used to take weeks and now take between 1 to 3 days. The truth is you could choose a new plan, lower your rate and be saving money within days.

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