In Kentucky there are four great, affordable health insurance providers including Aetna, Humana, United, and Blue Cross Blue Shield of Kentucky. Kentucky is very affordable for health insurance compared to most other states and their plans are very comprehensive.
The only downside to Kentucky health insurance? Individual carriers can decline applicants based on health conditions. On the other hand, there is a state high risk pool called Kentucky Access (866 405 6145) and eligible individuals are of course HIPPA applicants and those with serious health conditions who have been rejected by a minimum of two insurance companies, or those that get approved but with a higher rate then the Kentucky Access plan.
For Non Hippa eligible individuals there is a 12 month pre-existing clause which is also the length of time that any domiciled health insurance company can impose a rider for.
Kentucky Health Insurance Companies and Sample Quote
Sample Louisville, Kentucky Health Insurance Quote
I ran a sample health insurance quote in Louisville, Kentucky using myself (a 34 year old male) as the victim. Blue Cross Blue Shield came in the most affordable and Aetna the most expensive, and to make the comparison as fair as possible, I used a $2500 deductible with an out of pocket of no more then $5000 per year. All plans also include office visit copays and prescription coverage before the deductible.
Aetna offers quite a few great health insurance plans, unfortunately though due to their easy underwriting their rates have gone up quite a bit in the last year. I still have the utmost confidence in them and would happily take them for my family’s health insurance.
Aetna Kentucky Health Insurance Brochure
Anthem Blue Cross Blue Shield
Anthem Blue Cross and Blue Shield offers residents of Indiana, Kentucky, Ohio, Connecticut, New Hampshire, Colorado, Nevada, Maine and Virginia quality health plans. Today, the Blue Cross and Blue Shield symbols are among the nation’s most familiar and trusted trademarks.
Anthem is by far the most affordable health insurance plan in Kentucky and should be the first place you look when shopping different health insurance quotes.
Kentucky Blue Cross Blue Shield Smart Sense Benefit Summary
Kentucky Blue Cross Blue Shield Premier Plan Benefit Summary
Humana One is quite ordinary in the Kentucky health insurance market and is usually affordable in only very specific demographics. I still believe however that their vanilla health insurance plans ought to at least be in the running.
Humana One Portrait Share 80 plus Rx Kentucky Health Insurance Brochure
United Health One is not domiciled in Kentucky which means they can pretty much offer rate increases without any approval from the state. In any case, they are certainly affordable and have the best prescription plan in the national health insurance market, and at press time they were still very affordable.
United Health One Kentucky Health Insurance Brochure
Compare Plans
| Company | Plan Type | Deductible | Coinsurance | Copay | Premium |
|
PPO | $2,500 | 20% | $30 |
$119.00Monthly Cost |
 |
|
|
|
Estimated Cost
$59.54 monthly |
Estimated Cost
$87.23 monthly |
|
|
Customer Ratings
Not Yet Rated |
Customer Ratings
Not Yet Rated |
|
|
Plan Type
PPO |
Plan Type
PPO |
|
|
Office Visit for Primary Doctor
OFFICE VISIT COPAY: $35 Copay for the first 3 visits per person per calendar year for primary care physician/specialist (deductible waived);then 30% Coinsurance after deductible for 4+ office visit charges. OTHER SERVICES: 30% Coinsurance after deductible |
Office Visit for Primary Doctor
OFFICE VISIT COPAY: $30 copay for primary care physician (deductible waived); $40 copay for specialist (deductible waived).OTHER SERVICES: 0% Coinsurance after deductible |
|
|
Office Visit for Specialist
OFFICE VISIT COPAY: $35 Copay for the first 3 visits per person per calendar year for primary care physician/specialist (deductible waived);then 30% Coinsurance after deductible for 4+ office visit charges. OTHER SERVICES: 30% Coinsurance after deductible |
Office Visit for Specialist
OFFICE VISIT COPAY: $30 copay for primary care physician (deductible waived); $40 copay for specialist (deductible waived).OTHER SERVICES: 0% Coinsurance after deductible |
|
|
Coinsurance
30% after deductible |
Coinsurance
0% after deductible |
|
|
Annual Deductible
Individual:$2,500 |
Annual Deductible
Individual:$2,500 |
|
|
Annual Out-of-Pocket Limit
Individual:$6,000 |
Annual Out-of-Pocket Limit
Individual:$2,500 |
|
|
Lifetime Maximum
$7 Million per person |
Lifetime Maximum
$7 Million per person |
Share this Post
