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Medical Insurance in Kansas: An Overview

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Medical Insurance in Kansas

Medical Insurance in Kansas

Introduction: The health insurance situation is quite better in Kansas, than other states of the United States. Between 2001 and 2003, the Center for Disease Control conducted a survey on Kansas health insurance. The report of the survey revealed that 10.9% of the total Kansas population did not get Kansas health insurance for each year.

In this article, we have discussed some significant medical insurance regulations for Kansas health insurance. The article contains a comprehensive list of major Kansas health insurance organizations. Information regarding Kansas state health insurance alternative programs is also included in this article. Hopefully, this article would be useful to the Kansas residents.

Important health insurance regulations for Kansas health insurance

The Kansas state government has introduced some rules and regulations to monitor the health insurance situation in Kansas as well as to control the activities of Kansas health insurance organizations. The regulations are as follows:

  • No Kansas health insurance company can refuse or reject applications for personal Kansas health insurance.
  • Kansas health insurance plans can implement a waiting period for pre-existing medical condition.
  • According to state laws, a pre-existing medical condition is considered as an illness for which the respective applicant has already been diagnosed or otherwise treated before the commencement of new Kansas health insurance policy.
  • Duration of waiting periods for pre-existing health conditions can last for a maximum of 2 years, as per state laws.
  • Kansas health insurance companies can implement a permanent waiting period for a pre-existing condition; if and only if the company adds an elimination rider for the said medical condition.
  • New waiting period for the same pre-existing condition is sometimes implemented; even if an individual is toggling to an insurance plan offered by the same Kansas health insurance provider.
  • Kansas health insurance policies should provide a guaranteed provision for renewal. This guaranteed renewability provision lets the individual renew their existing Kansas health insurance policy. However, they should have disbursed all the premiums, timely and provided no fake information.
  • Kansas health insurance policies that provide coverage to dependants should automatically cover the newborns as well as adopted children, for a minimum of 31 days from the day of birth or adoption, accordingly.
  • Kansas health insurance companies can refuse coverage to an individual; depending on health status and age of the individual. However, this law is only applicable for individual Kansas health insurance. Denial is strictly prohibited to the individual who are seeking for employer Kansas health insurance.
  • Rate of premiums for a Kansas health insurance plan also depends on the applicant's health status and age.
  • Kansas residents, who are between health insurance policies or between jobs, can opt for any of the conversion Kansas health insurance plan or temporary Kansas health insurance plan.

Kansas Health Insurance Alternative Options

In Kansas, there are some active state-aided alternative health insurance programs. Kansas residents, who are otherwise considered as “uninsurable” by Kansas state laws or can't pay for Kansas health insurance, can take advantage of these alternative programs. The programs are discussed below:

  • Kansas Medicaid: This program is available to the Kansas dwellers, who meet all the qualifying criteria including income criteria.
  • HealthWave: This is Kansas State Children Health Insurance Program which is offered to Kansas children and teens. Children, from the families that are not entitled for Kansas Medicaid or unable to afford Kansas health insurance, are only eligible for this state program.
  • Kansas Health Insurance Association: This is a high-risk pool that lets the Kansas residents, who are otherwise considered as “uninsurable”, to have access to group Kansas medical insurance.

Kansas Health Insurance Companies

The top health insurance companies that provide Kansas health insurance are listed below. The list is arranged on the data provided by the Kansas Department of Insurance:

  • American Medical Security Life Insurance Company (P.O. Box 19032 Green Bay, WI 54307-9032)
  • American Family Mutual Ins. Company (P.O. Box 7430 Madison, WI 53783-0001)
  • American National Life Insurance Company of Texas (One Moody Plaza 16th Floor Galveston, TX 77550)
  • Blue Cross and Blue Shield of Kansas City - For JO & WY counties only (P.O. Box 419169 Kansas City, MO 64141-6169)
  • Blue Cross and Blue Shield of Kansas - All counties except JO & WY (P.O. Box 239 Topeka, KS 66629-0001)
  • Coventry Health & Life Ins. Company (8320 Ward Parkway Overland Park, KS 64114)
  • Celtic Ins. Co. (Sears Tower 233 S. Wacker Dr. Suite 700 Chicago, IL 60606-6393)
  • Companion Life Insurance Company (P.O. Box 100102 Columbia, SC 29202-3102)
  • John Alden Life Ins. Co. (501 W. Michigan P.O. Box 3050 Milwaukee, WI 53201-3050)
  • Time Ins. Co. (P.O. Box 3050 Milwaukee, WI 53201-3050)
  • Humana Ins. Co. (7311 West 132nd Street, Suite 200 Overland Park, KS 66213-1134)
  • World Ins. Co. (P.O. Box 3160 Omaha, NE 68103-0160)
  • Mennonite Mutual Aid Association (P.O. Box 483 Goshen, IN 46527)

Kansas Department of Insurance

For more information regarding Kansas health insurance, you can contact at the office of Kansas Department of Insurance at the following address;

420 SW 9th Street
Topeka, KS 66612-1678
Telephone: 785-296-3071
Fax: 785-296-2283


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