Best Health Insurance Agencies in Lexington, KY

Lexington, KY Health Insurance FAQs

• Are still protected if your health insurance company goes out of business in Lexington?

  As a resident of Lexington, you can still get health insurance protection even if your local insurance company goes out of business. If you are an individual owner of a life, accident, or health insurance policy, including individual certificate owners under group policies, the Kentucky Life & Health Insurance Guaranty Association will continue your coverage as long as you make your premium payments. Note that the obligation to continue health policies and cancelable individual health policies is limited by KLHIGA as prescribed in the Act.

• What are some of the benefits employers in Lexington are required to provide in their health insurance policies?

  Some of the benefits employers in Lexington are required to provide in their health insurance policies are home healthcare and hospice services, diabetes services, colorectal cancer screenings, autism spectrum disorders, and hearing aids and related services. Other state-required benefits include emergency medical conditions and emergency department services, reconstructive surgery, and minimum inpatient post-delivery care for mothers and their newborn children.

• What medical services are required to be covered in health insurance plans in Lexington?

  In Lexington, health insurance plans are required to cover particular medical services, according to Kentucky's health insurance laws. These services include diabetes care, mammograms, hearing aids for children, and medical care for pregnant women. In Kentucky, the standard plan options include Fee-For-Service or indemnity plans, Health Maintenance Organizations, and Point-of-Service plans.

• Who is eligible for the Kentucky Medical Program in Lexington?

  As a resident of Lexington, you are eligible for Kentucky Medicaid if you meet certain conditions such as being a resident of the state of Kentucky, a U.S. national or citizen, a permanent resident, or a legal alien. You should also be in need of healthcare insurance and you are categorized as a low or very low-income resident.

• What medical and health insurance programs are available to low-income residents in Lexington?

  Low-income residents in Lexington have access to different healthcare and insurance coverage programs, which include Kentucky Medicare, Medicaid, Kentucky Children’s Health Insurance Program, and Kentucky Women’s Cancer Screening Program. Other programs include the Kentucky Integrated Health Insurance Premium Payment Program, Qualified Health Plan with or without premium payment assistance, and Child Care Assistance Program.