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Information on Kentucky Individual Health Benefit Plans

Health Benefit Plans: What you need to know when applying for an individual health benefit plan

Filling out an application for an individual health benefit plan can be confusing and difficult. Insurance companies closely review the information you provide on these applications. That's why it's very important that you educate yourself about individual health benefit plans and your rights as a consumer.

To make the application process easier, the Kentucky Department of Insurance suggests that you keep the following information in mind when securing an individual health benefit plan for yourself and your family.

What is an Individual Health Benefit Plan?

An individual health benefit plan is a major medical health plan that can be purchased for yourself and/or your family. It is not health coverage that is supplied by an employer, and does not include plans such as cancer, dental or disability.

Overview of a Health Benefit Plan Application

In Kentucky when applying for an individual health benefit plan, the insurance company may request:

• Common information such as name, age, gender, address, Social Security number, marital status, dependents, occupation and whether any of the applicants have other health insurance coverage in force or are covered under Medicaid/Medicare programs.
• The date you would like coverage to be effective.
• Health information about yourself and other family members desiring coverage. Extensive medical and health information will be expected for the applicant and any other family member listed on the application. The information requested can vary, so pay close attention to the number of years of medical history required and the exact health information requested.
• Whether anyone listed on the application has previously been declined health, disability or life insurance, or had their health, disability or life insurance canceled.
• If you answer "yes" to any of the background health questions on the application, provide the name of the family member, their physician's information and the exact details regarding the dates and nature of their condition.