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Kentucky Health Insurance

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Updated January 04, 2009

Kentucky Department of Insurance

The Kentucky Department of Insurance is responsible for regulating all types of insurance sold in the state of Kentucky - including health insurance policies.

If you are looking for health insurance coverage, the Department of Insurance can help you find an insurance agent or insurance company that is licensed to do business in Kentucky. You can contact them at the phone number listed below, or conduct your own search online.

If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Department of Insurance. Contact the Department of Insurance at the phone number listed below, or fill out the online complaint form.

Kentucky Department of Insurance
215 W. Main St.
Frankfort, KY 40601
Phone: 800.595.6053
http://doi.ppr.ky.gov/kentucky/

U.S. Department of Labor

If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees - for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.

If you have concerns about your employer's practices in administering your job-based health coverage - for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan - contact your regional EBSA office.

U.S. Department of Labor Employee Benefits Security Administration
Cincinnati Regional Office
1885 Dixie Highway, Suite 210
Ft. Wright, KY 41011-2664
Joseph Menez - Director
Phone: 859.578.4680
Fax: 859.578.4688
http://www.dol.gov/ebsa/

Buying Individual Policies in Kentucky

As a general rule, insurers in Kentucky are allowed to reject your application for coverage based on your health status. However, you may qualify for coverage as a "HIPAA-eligible" individual if you:

  • had at least 18 months of continuous creditable coverage, the last day of which was under a group plan AND
  • you have exhausted all COBRA continuation coverage which was available to you.

People who are HIPAA-eligible are guaranteed the right to buy insurance through Kentucky Access (described below). If you are not sure whether you are a HIPAA-eligible individual, your insurance agent or the Department of Insurance can help you find out.

Kentucky Access - The State High Risk Pool

Kentucky Access offers coverage to individuals who are unable to purchase an individual health insurance policy because they have pre-existing health conditions. It also covers "HIPAA-eligible" individuals as described above. The Kentucky Access website details the eligibility requirements for their program here.

You can also learn more about Kentucky Access's benefits and premium rates by visiting their site or contacting them at the phone number listed below.

Kentucky Access
P.O. Box 33707
Indianapolis, IN 46203-0707
Phone: 866.405.6145

Kentucky Children's Health Insurance Program (KCHIP)

KCHIP provides health insurance coverage for children under age 19 whose families earn 200% of the federal poverty level or less.

Kentucky Children's Health Insurance Program
Phone: 877.KCHIP.18 (877.524.4718)
Email: chfs.kchip@ky.gov
http://chfs.ky.gov/dms/KCHIP.htm

Kentucky State Health Insurance Assistance Program(SHIP)

SHIP provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the new Part D prescription drug benefit, or Medigap coverage.

Kentucky State Health Insurance Assistance Program
Phone: 877.293.7447
http://chfs.ky.gov/agencies/os/dail/ship.htm

KyHealth Choices - The State Medicaid Program

Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals. For more information about KyHealth Choices, including eligibility requirements, contact KyHealth Choices at the number listed below.

KyHealth Choices
Phone: 800.635.2570
http://chfs.ky.gov/dms/kyhealthchoices.htm

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