• Aetna
• Anthem Blue Cross and Blue Shield
• Assurant

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• Humana
• United HealthOne

• Supplemental Medigap Insurance
• Medicare Advantage Insurance
• Humana

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• SecureHorizons by UnitedHealthcare
• Universal American
• WellCare

Kentucky Individual Health Insurance Policies, Health Plans and More

Questions to consider when buying an individual health policy:

• Does the company have a toll-free customer service number?
• Has the company had an unusually high number of consumer complaints?
• Is this company licensed to do business in Kentucky?
• How does the premium compare to other insurer's cost for the same coverage?

Be aware that Kentucky is not a guaranteed issue state with regard to health insurance. If you submit an application to a health insurer, that insurer can decline to write you health coverage if you do not fall within its underwriting criteria.

Kentucky Access

Kentucky Access is a statewide health plan that offers medical coverage to Kentuckians who ind it difficult to obtain health insurance in the individual insurance market. You may be eligible to enroll in an individual medical plan through Kentucky Access if you qualify under any one of the following eligibility categories: HIPAA eligible; GAP eligible; high cost condition; rejection by one insurer; higher premium quote from another insurance company; or a spouse or child who are eligible dependents of a Kentucky Access enrollee. For complete details on eligibility, rates and benefits, visit www.kentuckyaccess.com or call toll free 866-405-6145 or TTY 1-800-313-4750.

Group Health Plans

Some employers or employee groups purchase health insurance from an insurance company. Others may purchase health coverage from a health maintenance organization (HMO). Both are called fully-insured health benefit plans and are regulated by state insurance departments. However, some employers or employee groups provide what are called self-funded health benefit plans. This means the employer or group sets aside funds and employee premiums each month to pay health claims submitted to the plan.

Self-funded plans are under the authority of the U.S. Department of Labor's Pension and Welfare Benefits Administration. Some state laws do not apply to these plans and the Kentucky Department of Insurance does not have authority to investigate complaints regarding these plans. To contact the U.S. Department of Labor's Pension and Welfare Benefits Administration, call toll free 866-444-3272 or visit http://www.dol.gov.

Questions or Complaints Regarding Your Insurance Policy

If you've tried unsuccessfully to resolve a claim problem or been unable to get questions answered by your insurance company or agent, you can contact the Consumer Protection and Education Division of the Kentucky Department of Insurance. You may be asked to file a written complaint. If you do so, please include the following information: your name, address and daytime telephone number; a description of the problem from your point of view; the name of any insurance companies involved, policy numbers, what type of insurance, etc.; any documentation you have to support your case; and if the complaint involves health insurance, please include a copy of both sides of your insurance card.