Kansas Health Insurance

One of the best things you can do for your health and your finances is to always carry medical insurance for you and your family. The results of serious injury or illness can be financially devastating to anyone. Take the time to review your family's medical insurance needs and your finances before making a decision on your health insurance plan of choice.

In the State of Kansas, as in most parts of the US, there are multiple medical insurance options available to individuals and families. Insurers doing business in the state are regulated by the Kansas Insurance Department.

Individual Kansas Health Insurance

If you are looking for individual Kansas medical insurance it is important to know that individual policies are not guarantee issue but are medically underwritten. This means you must apply for coverage and the insurer will decide whether or not to offer you a policy based on your present or past health. You can also get a policy that has restrictions and limitations on it, in regards to pre-existing conditions. In fact, exclusions can be in effect for up to 24 months. There is no limit in place concerning how far back into your medical history an insurance company in Kansas can go looking for pre-existing conditions.

Small Group Kansas Medical Insurance

A company that has 2 to 50 employees in the State of Kansas is considered to be a small group in terms of medical insurance. Small group Kansas insurance policies are guarantee issue. New employees face a waiting period before becoming eligible for the plan. The only way exclusions can be put in place is for new applicants who are without creditable prior insurance coverage. Such exclusions are only for 3 months. As long as there is no break of 63 days or more in insurance coverage, Kansas law states that prior health insurance coverage must be creditable. Small group Kansas medical insurance is medically underwritten and therefore prices differ from company to company by 25% over or below the indexed rate.

Continuation Health Insurance Coverage in Kansas

Federally mandated COBRA benefits apply to anyone who leaves employment with a company having more than 20 employees. This means the former employee can extend his Kansas health insurance coverage for up to 18 months and in certain cases 36 months, following the end of his employment. He will however, need to pay his portion of the premium, the employer's and a 2% administration fee.

Kansas is also one of the states that offers a mini-COBRA plan for companies having less than 20 employees. It must also be paid for the former employee and can be extended for 18 months.

When COBRA benefits run out, you can apply to a conversion plan within 31 days of the end of coverage. If you are considered HIPAA eligible, you can also get health insurance in Kansas through the state risk pool, which has guarantee issue coverage.

In Kansas, over 87% of the 2.7 million residents carry medical insurance. The state still has some work to do in order to make medical insurance more accessible for all.

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More Information on Kansas Health Insurance:

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