Kansas Health Insurance
Because the insurance industry is a complicated one, consumers are often baffled by the processes of acquiring and retaining insurance, especially health insurance. In fact, certain aspects of health care and insurance vary from state to state. This can make researching information a daunting task for anyone. For residents of Kansas, the Kansas Insurance Department exists for the purpose of regulating and reviewing companies, licensing agents who sell insurance, and advising and assisting consumers who live in Kansas. In Kansas health insurance is regulated and certain limited rights protect residents.
In most cases, a licensed health insurance agent in Kansas can answer your questions regarding rights, responsibility, and eligibility in either open market plan participation or in the state of Kansas health insurance programs. Typically, if an agent cannot find you affordable health insurance in the open market, they should refer you to additional resources and inform you of possible rights you might have for obtaining coverage.
While it would be ideal if all employers were required to offer health insurance, that is not the case. Just because you live and work in Kansas health insurance is not guaranteed. An employer is not required to provide insurance, only to refrain from discriminating against health status if they do offer health insurance. If you find yourself employed by a company who does not offer health insurance, you will need to explore your options.
Begin by comparing quotes and coverage available to you in the open market. The open market refers to any privately held company that provides health insurance policies in the state of Kansas. You can contact the Kansas Department of Insurance (KID) or visit their website at www.ksinsurance.org to get consumer information about specific agents or companies. Be sure to compare quotes and coverage options carefully before you purchase a policy. When comparing coverage, it is equally important to understand the benefits and coverage as it is the exclusions. Because each individual’s circumstances are different, there are no one-size-fits-all policies.
If you find that you are ineligible for both employer sponsored health care and cannot get coverage in the open market, either because of affordability or health status, don’t despair. Kansas health insurance is offered to those residents who qualify on a free or reduced cost basis. There are certain eligibility requirements that apply, but previous health conditions cannot be a factor. Typically, participation in health insurance programs that are subsidized by the state and federal governments require income verification as well as proof of ineligibility under other plans.
It is your responsibility to understand what rights and what exclusion of rights apply to your individual situation. Between your insurance agent and the staff at KID, you should be able to gain enough knowledge to find adequate health insurance coverage for your situation. Remember that coverage for children, families, and seniors will all have varying requirements and costs. Visit KID’s website to determine if your agent is licensed by the state of Kansas, find a new agent, or to request more information.
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