Best Health Insurance Plans Kansas
In Kansas state health insurance is provided through healthcare.gov, a state run health insurance exchange. 15 December is the last day for the open enrollment for 2019 coverage. However, for people with qualifying events, enrollments can be done even after.
In the state, short term health insurance plans are available with initial plan terms up to 12 months. As of now, three reputed insurance carriers are providing 2019 coverage through the Kansas exchange. In 2018, about 98,000 Kansas residents opted for the coverage through the state exchange. Kansas is yet to opt for Medicaid expansions, and short term short-term health insurance plans in the state are limited to 12 months with one renewal.
The Kansas health insurance marketplace:
Unfortunately, Kansas is one among those states in the US that haven’t yet expanded Medicaid facilities under the Affordable Care Act. Unlike many states in the country, Kansas uses the marketplace plan management model. Open enrollment for 2019 coverage is going to end on December 15. Once the enrollment reaches its deadline, Kansans will not be able to select a new plan.
As per the federal approvals given, following average rate increases have been approved for Kansas exchange carriers for 2019:
- Blue Cross Blue Shield of Kansas: 8.28 percent
- Sunflower/Ambetter: 2.68 percent
- Medica: 4.3 percent
Kansas and Medicaid Expansion:
Medicaid expansion was one of primary mechanisms in the ACA aimed at reducing the uninsured rate. But Kansas is among the states that have not yet expanded Medicaid under the ACA.
The Medicaid doesn’t available to the non-disabled adults without dependent children. Similarly, adults with dependent children are eligible only if their total accumulated household income is under 33 percent of the federal poverty level. In Kansas, Medicaid is also known as KanCare.
Medicare Coverage in Kansas:
As per the records available in August 2018, approx. 520,736 Medicare beneficiaries covered in Kansas. The number was amounted to almost 18 percent of the state’s population. Among those enrolled for Medicare, 83% opted for original Medicare, while just 17 percent subscribed Medicare Advantage plans. As of 2015, the amount spent per enrollee for Medicare is amounted to $9,162 in Kansas.
Kansas Health Insurance Plans:
In Kansas, a broad range of health plans are available from leading insurance carriers. You should however choose a plan only after comparing the plans and reading customer reviews. Here is a brief reckoner of various health insurance plans available to buy in Kansas.
Short Term Health Insurance
In Kansas, short term health insurance is also called Term health insurance or Temporary health insurance. The coverage is offered to help beneficiary bridge gaps in his / her health care coverage during times of transition. A short term health insurance plan is handy in many ways. You can apply for the plan within minutes and can apply for another term of coverage if needed.
You can yourself select the length of coverage and may drop your coverage without penalty. In Kansas, short term health insurance is underwritten and provided by Golden Rule Insurance Company. These short term health insurance products have access to a large provider network to serve you with better health.
These plans are a perfect solution for college students or for those waiting for benefits to begin at a new job. If you’re losing coverage following a divorce, you can go for a short term health plan.
Dental Insurance Plans
Dental services in Kansas are meant to help you with your expenses on dental care services and manage a good dental care routine. In the state, dental insurance plans are underwritten by Golden Rule Insurance Company. These plans offer right kind of filling and other dental health coverage.
Dental insurance plans in Kansas are offered by some of the top notch insurance providers in the state. These plans best fit for you and your family’s dental care needs.
Dental Insurance in Kansas is similar to other insurance plans. Here you a certain amount dubbed ‘premium’ to receive dental benefits. These benefits include regular checkups, cleanings, x-rays, and certain services required for your dental care.
Vision Insurance Plans
In Kansas, vision insurance plans are underwritten by Golden Rule Insurance Company. Some renowned insurance providers offer the coverage either as a standalone plan or as a rider to a dental plan since vision insurance plans are not available in the all states as standalone plans.
Standard vision insurance plans in the state offer coverage choices for both glasses and contacts. While subscribing the plan, you have freedom to choose non-network provider.
You have no waiting period at all with the plan. To note, a vision health insurance plan is generally supplemental to other types of medical insurance policies available in the state. The major benefits and coverage that vision insurance includes are annual routine eye exam, eyeglass frames/lenses and contacts and pre-determined discounts on all vision-related expenses etc.