The Kansas health insurance market is quite consumer friendly as it offers many different health insurance plans from five main companies. These companies include Aetna, Blue Cross Blue Shield of Kansas, Humana, United Health Care, and Coventry One.
The other great health insurance benefit in Kansas is the risk pool known as the Kansas Health Insurance Association (800 290 1368) which offers individual health insurance to any resident that has been declined coverage by at least two different Kansas health insurance companies. This coverage is also extended to residents that receive rates that are higher then the KHIA plans and to HIPAA eligible individuals.
Now to the plans!
Kansas Health Insurance Companies
Aetna
Aetna ‘s individual plans in the Kansas health insurance market are quite expensive in comparison to the other companies at least in the zip codes and demographics that I ran.
This is because they have consistently accepted individual’s with health conditions at the best rates. I advise anyone that takes a medication or with a health condition to shop and consider Aetna in Kansas. Additionally, they are very affordable for children and young adults.
Aetna Kansas Health Insurance Brochure
Blue Cross and Blue Shield of Kansas City
Blue Cross Blue Shield of Kansas City is the best choice in the Kansas health insurance market only in the cities that they offer coverage which mainly consists of Kansas City. Their plans are very affordable and usually are the cheapest in any demographic where they offer plans. Though their underwriting can be a little tough, I think that they are the best health insurance company in Kansas dollar for dollar.
Blue Cross and Blue Shield of Kansas City, the largest not-for-profit health insurer in Missouri and the only not-for-profit health insurer in Kansas City, has been part of the Kansas City community since 1938. BCBSKC provides health coverage to more than 900,000 residents in the greater Kansas City area and Northwest Missouri.
Blue Cross and Blue Shield of Kansas City is an independent licensee of the Blue Cross and Blue Shield Association.
Blue Cross Blue Shield Kansas Brochure
Coventry Health Care, Inc.
Coventry One offers health coverage throughout Kansas and is my favorite company personally due to their magnificent team based in Maryland and offering health coverage nationwide.
Their plans are usually very affordable in the markets where they offer products and additionally their plans are the most benefit rich. They cover the emergency room with a simply copayment instead of a deductible which can save thousands of dollars per year for the accident prone. Always consider Coventry when shopping health insurance in Kansas.
Coventry One Kansas Benefit Summary
Humana One
Humana offers very vanilla coverage in Kansas and though their plans are very traditional they are not at all the leaders in any category i.e. price or benefits.
I usually offer Humana One as a fallback company if Blue Cross or Coventry declines you as they come in more affordable then Aetna and United.
Humana One Portrait Kansas Benefit Summary
United Health One is just not affordable in Kansas and even though their prescription plan is my favorite, I usually advise clients to avoid this company in Kansas as they are not domiciled in Kansas either which gives them a license to give premium increases at their own discretion.
