Everyone should feel comfortable getting medical help, but it’s not always budget-friendly. You might have lost insurance from a previous job and can’t afford checkups or prescriptions without it. The good news is that it’s easy to find affordable health insurance in Kentucky with a little research.
Check out these insurance providers to discover a plan that meets your needs. You’ll find coverage for everything you and your loved ones need without breaking your budget.
1. Kentucky Department of Medicaid Services (DMS)
Low-income families, pregnant women, disabled individuals, and the elderly may qualify for Medicaid. The Kentucky Department of Medicaid Services (DMS) offers eligibility based on numerous factors, like your income and family size. If you qualify, your medical coverage includes preventive services, tests, and hospital visits.
2. Blue Cross Blue Shield (BCBS)
Getting health insurance from a national company guarantees extensive coverage and a range of options. Blue Cross Blue Shield (BCBS) has tiered plans that fit even the tightest budgets. Even if what you need costs a little more than your previous insurance, BCBS offers exclusive member discounts that might save money elsewhere. Reducing what you pay for gym memberships and healthy food could improve your current budget.
3. CareSource
The experts at CareSource strive to expand access to health insurance for Kentucky and Louisiana residents. You’ll find an extensive network of preferred providers and receive $0 generic drug copays, plus vision and dental coverage. It all comes wrapped in one package for people at any income level. Investigate what each tiered plan includes so you know what you’re signing up for when you discover CareSource’s affordable monthly premiums.
4. UnitedHealthcare
UnitedHealthcare is another national company that serves Kentucky residents with tight budgets. Low- and no-cost coverage is available in addition to Dual Special Needs Plans (DSNP). You can also find tiered plans for your employees so your small business stays competitive with other employers. Everyone can improve their health and well-being with affordable health insurance from providers like UnitedHealthcare.
5. SureBridge
Your existing health insurance might fit your budget, but maybe it doesn’t cover everything you need. Getting a more expansive plan would cost more money, which is where SureBridge can help. SureBridge insurance complements existing health plans without the significant fees from other companies. Keep the current plan you can afford and add dental, vision, or sudden illness insurance without redirecting funds from other parts of your budget.
6. Children’s Health Insurance Program (CHIP)
Children need medical attention just like adults, but parents don’t need to worry about paying higher fees for additional health insurance dependents. The Children’s Health Insurance Program (CHIP) currently enrolls over 9.6 million children from low-income families.
The federal funding makes complete coverage possible, but state governments administer the program. Check with the Kentucky state guidelines to see if your family is eligible and how much it would cost to enroll. Pregnant women can also qualify in some states, and their plan would continue to cover their newborn after birth.
7. Independence American Insurance Company (IAIC)
People who want a customizable health plan should consider Independence American Insurance Company (IAIC). They’re licensed in all 50 states and provide short-term plans at flexible prices. Their short-term plans start at much more affordable costs than long-term plans, allowing you to opt out every 30 to 36 days as your budget allows.
Look into their gap medical coverage and explore hospital indemnity plans. Even pets don’t have to miss out on life-saving insurance with IAIC.
8. Kentucky Health Solutions
Local insurance companies may include preferred providers and specialists overlooked by larger companies. Kentucky Health Solutions is a one-stop shop for all things Kentucky health care. They have health insurance for people of all ages and explain the many Medicare plans that might be confusing to navigate.
Clients can also combine their life insurance with Kentucky Health Solutions plans. You could reduce your monthly bills by consolidating fees, all while enjoying the many benefits of any tiered plan.
Enjoy Affordable Health Insurance in Kentucky
Finding affordable health insurance in Kentucky might feel overwhelming, but this guide can help. Investigate these companies and compare their plans. You’ll find the coverage you need for a price that doesn’t ruin your budget, so none of your loved ones have to skip medical attention when they need it.
