We are here to provide you, our customer, with everything you need to make an educated decision relative to your new Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Kentucky and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
We are here to provide you, our customer, with everything you need to make an educated decision relative to your new KY Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Kentucky and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
Kentucky State Health Insurance Laws
It is important to understand the Kentucky health insurance regulations before applying for a new policy. Kentucky does not require insurance companies to accept your application if you have a pre-existing medical condition. In truth, insurance companies are able to deny you for a multitude of reasons when you are applying for a
Kentucky Individual Health Insurance Policy. If they do decide to accept you please realize there might be an elimination rider attached to your medical policy for a specific pre-existing condition. In Kentucky there are no limits on the monthly premiums that health carriers can charge. No Kentucky Insurance Company can cancel you after getting sick. QQM can provide you with a free Kentucky Health Insurance Quote
Since Kentucky is not a guaranteed issue state, the Department of Insurance has
Kentucky Access. This is a high risk pool filled with people that don’t qualify for private health insurance.
If you are interested in getting more information on the health insurance in Kentucky
Like many other residents of Kentucky, you might find yourself on COBRA and not know what to do. COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985. In short this allows Kentucky Residents to continue getting their Kentucky Group Health Insurance even if they are not employed by their employer anymore. Kentucky COBRA Health Insurance is similar to most other states in the fact it only lasts for 18 months, in most instances.
Many students are in college and find themselves paying a lot for their student health insurance. It does not matter if you are going to The University of Kentucky, Union College, Kentucky State or the University of Louisville, but does not have to be the case. There are certain requirements Kentucky has for it’s student health insurance policies, but for the most case KY Student Health Insurance is very affordable. QQM is happy to help you look for Kentucky Student Health Insurance Quotes to fit your budget.
Kentucky Short Term Health Insurance
Short Term Health Insurance can be very useful if you are in-between jobs, just graduated college, or just started a job that has a 3+ month waiting period before you are eligible for benefits. Kentucky Short Term Health Insurance is very affordable and very easy to apply for. For a quote just click here!
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We understand health insurance premiums continue to skyrocket! If you are a relatively healthy individual, or family, we recommend taking a high deductible plan and paying for the smaller medical expenses out of your pocket. In the short term it might seem like not a great idea, but over the long term most people find themselves saving money year after year.
Still have questions? Please fill out our contact form and a licensed Kentucky Health Insurance Professional will contact you.
Not ready to buy but want to stay in contact with us? Input your email address below and we will send you our contact information automatically so you will always be able to come back with questions or to sign up for a policy.
Top Rated Kentucky Health Insurance Companies
Blue Cross Blue Shield of Kentucky – Blue Cross Blue Shield was founded in 1937. Currently Blue Cross Blue Shield of Kentucky insures 1.75 million people through their wide range of products; medical, life, and disability. Every BCBS is an independent corporation and Blue Cross Blue Shield of Kentucky is just one of 48.
Golden Rule – Golden Rule actually underwrites United Health Cares policies. Golden Rule works exclusively on the individual and group medical markets. It is hard to find a stronger rated company. AM Best rated them (A) for "excellent" and Standard and Poor’s gave them a (A+) which represents "strong".
Humana – Is one of the largest publicly traded health insurance companies in the country. Currently Humana insures about 6.7 million members across the country and in Kentucky. Not only does Humana offer Health insurance in Kentucky, they also offer dental, disability and life insurance. But they specialize in large groups as well as for the individual group market.
Coventry – also known as Coventry Health Care of Kentucky, has been in business since 1988. They are a unique health insurance company because they specialize in offering Kentucky residents self employed health insurance as well as short term health insurance. Currently their network includes over 210 hospitals in the area.
Celtic – Celtic originally started out as a Group Health Insurance Provider in early 1978. Slowly they began focusing more and more on the individual health market, and currently today they exclusively provide individuals medical insurance.
Celtic is known as a conservative company, with high ratings, and great customer service. They have had an Excellent (A-) rating from AM Best since 1986. With a conservative outlook, a focus on a specific medical market (individual health) and strong customer service, it is no wonder why Celtic is a strong player in Kentucky!
