Kansas Health Insurance

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Individual & Family
Small Business Group
Medicare

Kansas Health Insurance Companies

Learn more about each insurance carrier here: Cigna, Cigna PDP, Golden Rule, Humana
See an inventory of Kansas Health Insurance Plans.
Compare health insurance quotes from nearby states:   Colorado Health Insurance,  Oklahoma Health Insurance

Kansas Health Insurance

There are multiple health insurance options open to those in the state of Kansas who are uninsured or underinsured, but there are several questions to keep in mind. If your employer does not offer health insurance, are you healthy enough to obtain health insurance on the individual market? If so, Health Plan One can help by quoting plans appropriate for your needs and price range. Do you own your own business? Health Plan One can also assist small business owners in obtaining small group coverage. Do you have any pre-existing conditions, disabilities, or are you below an income level which could qualify you for free or low-cost health care programs offered by the government? You may be eligible in Kansas for Medicaid, HealthWave, or the high risk pool. Information on any of these options is available on this page.

What Every Kansas Resident Should Know About Health Insurance

The type of health insurance familiar to most consumers is group coverage offered by an employer. With group health insurance through your employer the policy is partially paid for by the company on behalf of their employees. The company will contribute a large percentage toward the monthly premium and you (the employee) will be responsible for paying the difference, about 16-27%. With group plans you have little choice in the specific benefits of the plan (these are determined by negotiations between the company and the insurance carrier) but you also cannot be denied coverage under the group plan no matter what prescriptions you may take or preexisting conditions you may have. By insuring a large group of employees together under one plan of the company’s choosing, individual employees are not subject to medical underwriting, rather the entire group is underwritten as a whole to determine the premium level everyone will pay. Therefore, the amount you pay in premiums as well as the quality of the coverage you receive are dependent not on how healthy you are or what benefits you would like to have, but how healthy your group is as a whole and what benefits the company has chosen for you.

Unfortunately, companies frequently have a waiting period before new employees can qualify to receive health insurance benefits. If this is the case with your new job, consider getting a short-term policy from the point where your previous coverage ends to the time when your new company’s insurance kicks in. Such options are available through Health Plan One. Simply visit our Short-Term information page for your free quotes. It is important not to have a lapse in coverage of more than 63 days. If you do, your new insurance carrier may refuse to cover treatment for pre-existing conditions you may have such as asthma or acne for up to a year after your policy goes into effect. For this reason, having continuous health insurance coverage is particularly important.

What If I'm Between Jobs?

As previously mentioned, it is important not to have a break in coverage of more than 63 days. As a result, if you’ve recently lost your job look into extending the coverage you had with your employer through COBRA. With the COBRA program through the federal government you can extend your plan for up to 18 months after losing your job. You will however have to pick up the entire premium cost which your employer had previously been paying. For this reason, it is frequently more economical for people who’ve lost their jobs to invest in an individual/family insurance policy through Health Plan One.
With individual coverage you choose the health insurance carrier and benefits you want with the help of Health Plan One. We will quote plans for you and your family from all the different carriers available in Kansas so that you can choose from a wide price range and spectrum of options to tailor a plan that fits your needs. Even if you are not between jobs a plan on the individual market through Health Plan One could still be the best option for your family. Many companies do not offer benefits to their employees, and often those companies that do offer benefits do so at an exorbitant cost for low quality plans. It is important to note that with individual coverage in Kansas each person who applies is medically underwritten and may be approved, denied, or rated-up by the carrier depending on their health history in recent months.
If you’re healthy and are unhappy with the health insurance offered by your employer, are between jobs, or are not offered benefits by your company, enter your zip code into the Health Plan One quoting engine at the top of this page to view the most competitively priced plans in your area with benefits tailored to your needs. Quotes are absolutely free, and you’re under no obligation to buy. Our licensed insurance specialists are also available via LiveChat (see the button to the right) or toll-free at (877) 567-5267 to answer any questions.

Small Group Plans

If you are self-employed you could qualify for a small group plan in Kansas. You must have 2 or more eligible employees who each work at least 30 hours per week. No minimum amount of time in business is required to apply, but you must be able to provide tax forms and other business documentation requested by the carrier to which you’re applying. All carriers in Kansas do medically underwrite for small group plans. This means that though no one in the group can be denied coverage, the carrier can increase the rates based on the health history of employees enrolling. Health Plan One can help you by quoting plans for small groups. Simply call us at (877) 567-5267.
If you’re not healthy there are still many programs available to you. See below for details on the options which best fit your medical and financial situation.
For more information about group plans in Kansas, visit our Kansas Small Business Group page.

Kansas Medical Assistance Program

KMAP is the Kansas Medicaid program through the Kansas Health Policy Authority. The Medicaid program provides basic health care coverage for children, pregnant women, and those who are elderly, blind, or disabled. In order to be eligible, residents of Kansas must make below a certain income ceiling. You must also provide proof of citizenship for Medicaid. In order to determine your eligibility, visit the KMAP website at https://www.kmap-state-ks.us/Public/homepage.asp For full benefit and eligibility information review the KS Medicaid handbook at https://www.kmap-state-ks.us/documents/content/hcp/medicalpolicy/booklet.pdf
For information on Kansas Medicare, visit MedicareSolutions.com

HealthWave – Kansas SCHIP

Kansas HealthWave is the state’s Children’s Health Insurance Program (SCHIP). This program is meant to cover children whose parents make too much income to qualify for Medicaid but too little to afford private health insurance. Benefits for enrollees include: physical health services (like office visits, regular checkups, immunizations, hospital services, prescription drugs and eye doctor exams), dental health services (like checkups, cleanings, and x-rays), mental health services (like behavioral and substance abuse services) and much more. In order to qualify for HealthWave, one must:
·         Live in Kansas and be able to provide citizenship and identity verification
·         Complete the application, listing all household members, signed and dated
·         Provide all household income verification for 3 months
·         If self-employed, provide your most recent tax return including all schedules and attachments if filed.
·         Have an Authorization for Release of Protected Health Information on file for each person outside your immediate family that you want to be able to access your case information
Complete eligibility requirements are available here: http://www.kansashealthwave.org/hwqual.asp
Explore the HealthWave website here: http://www.kansashealthwave.org/
To view the Kansas Family Medical Assistance Manual which covers the KS health care programs for pregnant women, children, and families click here: http://www.khpa.ks.gov/kfmam/

Kansas Health Insurance Association

The Kansas Health Insurance Association is the state’s high risk pool, the insurer of last resort for residents who are medically uninsurable on the individual market due to some preexisting condition. The eligibility requirements for the Kansas high risk pool are lengthy and can be read in detail here: http://www.khiastatepool.com/qualify.asp Generally, one must be unable to obtain coverage for an existing medical condition, have exhausted their health insurance benefits, or who otherwise qualify under HIPAA guidelines. For a summary of benefits (including pharmacy) offered under the pool’s plan, click here: http://www.khiastatepool.com/benefit_info.asp To learn more about the Kansas Health Insurance Association, explore their website at http://www.khiastatepool.com/
 
The Kansas Department of Insurance website also offers some great information for consumers on the basics of health insurance. See their website here: http://www.ksinsurance.org/consumers/health.htm

Most Popular Plans in Kansas

The most popular plans in Kansas are: Humana PPO Autograph Share, Aetna PPO 5000, Humana PPO Portrait Share, Aetna HAS PPO High DeductibleUnited HealthOne Copay Select, and Aetna PPO First Dollar 30
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Health Insurance Resource Center

Kansas Department of Insurance

Kansas Department of Health Services

Kansas Risk Pool Information

Kansas Consumer Health Guide