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Kansas Health Insurance
Health insurance nowadays is mostly available in two categories:
individual and group.
Individual insurance is primarily for those who are self-employed,
or are working in a company that does not have a health plan, or
who have a family and seek individual insurance for family members.
If you purchase an individual plan, you have to pay an annual premium,
and also a deductible for each insured dependent, up to a base amount.
If you have a group policy instead, you are required to pay an annual
premium, co-payments payable at each medical service, and a deductible
payable before insurance starts paying your eligible medical bills.
In Kansas, private insurers can deny you individual insurance policies
if you have health problems. In case you have a pre-existing condition,
the insurer can apply an exclusion rider or limit coverage for a
period not exceeding 24 months. Pregnancy may be treated as a pre-existing
condition. In individual policies, you are not entitled in Kansas
to any creditable coverage for continuous coverage of your pre-existing
condition. Your policy cost may go up due to a health problem, but
your individual policy cannot be cancelled because of an illness.
In Kansas, you cannot be denied group health insurance due to a
health problem if you are qualified; nor can you be charged more
because of your problem. If you join a new organization, your new
employer may impose a waiting period before offering group health
insurance. If you have a pre-existing condition, different group
plans have different rules as far as the length of time they can
review your prior medical history is concerned. There is a limited
exclusion of a pre-existing condition from coverage and the maximum
length depends on the type of your group plan. If you have had continuous
and unbroken coverage for over 63 days, you qualify for credit which
reduces your pre-existing exclusion period.
Small businesses seeking small group health insurance in Kansas
cannot be rejected, charged more or cancelled because of health
problems of their employees. Kansas allows a small business (staff
strength between two and 50) to buy group health insurance through
a qualified, statewide alliance or trade association. You can contact
the Kansas Insurance Department for necessary regulations. Self-employed
persons cannot buy group health insurance plans in Kansas.
For people with health problems that require costly treatment,
Kansas Health Insurance Association can be of help. Conversion policies
are available for eligible persons. Several government programs
like Medicaid, Healthwave, Early Detection Works Program assist
people with low incomes or costly health problems.
Choosing the right health insurance quotes is not an easy job.
You should do some research before you select one. It is better
to seek the help of professional health insurance agents and brokers,
who understand the market, are familiar with all the regulations
and know the industry.
Health insurance providers in Kansas include American Medical Security,
BlueCross BlueShield of Kansas, BlueCross BlueShield of Kansas City
(Johnson and Wyandotte counties), Celtic, Fortis, Humana and Security