Kentucky Health Insurance – Plans to Suit Your Needs

Health insurance companies offer various kinds of health insurance plans to suit the needs of individuals, families and employers in Kentucky. These include indemnity plans, HMOs and PPOs. Indemnity plans offer a greater choice of health care providers. You pay up front and the insurer pays its share when it receives the bill. A Health Maintenance Organization (HMO) plan operates through a network of doctors, hospitals, other providers. You can choose one doctor as a primary care physician (PCP), who refers you to a HMO-approved specialist if needed. A Preferred Provider Organization (PPO) plan offers greater freedom to choose from a preferred provider network of health care providers. With a PPO, you do not need a referral from a PCP to see other providers in the network.

Choose from Various Affordable Kentucky Health Insurance Options

Leading health insurance companies offering comprehensive and affordable Kentucky health insurance include Anthem Blue Cross Blue Shield, Humana One, United Health One and Aetna. The following is a brief overview of their options:

• Kentucky Anthem Blue Cross Blue Shield’s popular health insurance plans include Premier Plus, Lumenos HSA, and Smart Sense Plus. Premier Plus offers an unlimited number of doctor office visits with co-payment before the deductible and prescription drug coverage options. Lumenos HSA Plus is a health savings account with a tax advantage plan and offers preventive care services without deductibles or coinsurance. Smart Sense Plus covers essentials like office visits at low monthly rates and offers a choice of prescription drug coverage options.

• Humana one’s HSA is an attractive plan for big families and comes with a high deductible and low premium. It covers doctor office visits and prescription drugs. Autograph Total and Portrait Share are among Humana One’s best-selling plans.

• United Health One offers affordable individual and family HSA plans like Copay Select, HSA 100, Plan 100, Plan 80 and Saver 80. Saver 80 offers great coverage with a low deductible and is suitable for people in the 50-60 age groups who are looking for just hospital coverage.

• Aetna’s Open Choice Plan has a low-priced option that allows you to see any network doctor without a referral. Another option allows you to visit even a specialist without a referral, though your out-of-pocket costs would be higher.

Rely on Professional Assistance

Most plans can be customized to suit your specific needs. To get information on the various health insurance options in Kentucky, contact a reliable insurance agent. You get expert assistance in comparing plan benefits and rates, instant personalized quotes and the facility to apply online.