Kansas Health Insurance Coverage...
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If you are searching for ways to lower your health insurance costs and you live in the State of Kansas...We, here at HealthInsureCoverage.com, work hard to supply you with the information you need to make an informed decision regarding your health insurance needs and requirements.

• Your Protections when Buying Individual Health Insurance in the State of Kansas.
     If you do not have access to employer-sponsored group insurance, you may want to buy an individual health plan from a private health insurance company. However, in Kansas - as in most other states - you have limited guaranteed access to individual health insurance. Whether you can buy an individual health plan may depend on your health status, the kind of coverage you want to buy, and other circumstances. Also, there are some alternatives to individual health insurance coverage such as COBRA, conversion policies, and the Kansas Health Insurance Association (KHIA). This chapter summarizes your protections under different kinds of health plan coverage.
• When do individual Health Insurers have to sell you coverage?
     In Kansas, your ability to buy individual health coverage may depend on your health status. There are certain circumstances, however, when you must be allowed to buy individual health coverage.
• In general, companies that sell individual health insurance in Kansas are free to turn you down because of your health status and other factors.
     When applying for individual coverage, you may be asked questions about health conditions you have now or had in the past. Depending on your health status, insurers might refuse to sell you coverage or offer to sell you a policy that has special limitations on what it covers.
• In Kansas, newborns are automatically covered under the parents' individual health plan for the first 31 days if the individual health coverage was issued on a family basis, which means that it covers some other dependent, such as a spouse or a child.
     The insurer may require that the parent enroll the baby within the 31 days in order to continue coverage beyond the 31 days.
• What will your individual health plan cover?
     It depends on what you buy. Kansas does not require health insurers in the individual market to sell standardized policies. Health plans can design different policies and you will have to read and compare them carefully. However, Kansas does require all health plans to cover certain benefits - such as post-delivery hospital stays and breast cancer screening. Check with the Kansas Department of Insurance for more information about mandated benefits.
• There are few limits on pre-existing condition exclusion periods under individual health plans in Kansas.
     Individual plans can impose pre-existing condition exclusion periods of up to 2 years. However, they also can use elimination riders to permanently exclude coverage for pre-existing conditions. Individual plans can exclude conditions for which you ever got care or for which the insurer thought you should have sought care. This is called the prudent person rule. Pregnancy can be considered a pre-existing condition by individual health plans. Finally, individual health plans are not required to credit your prior health coverage toward pre-existing condition exclusion periods.
• What can you be charged for you individual health insurance coverage in Kansas?
     If you have an expensive health condition, your individual health insurance premiums may be very high. The law does not prohibit Kansas health insurers from charging you more because of your health status. In addition, when you renew your individual coverage, your premiums can increase substantially as you age or if your health declines.
• Can your individual health insurance policy be cancelled?
     If you have an individual plan, your coverage cannot be canceled because you get sick. This is called guaranteed renewability. You have this protection provided that you pay the premiums, do not defraud the company, and, in the case of managed care plans, continue to live in the plan service area.
• Some insurance companies sell temporary health insurance policies.
     Temporary policies are not guaranteed renewable. They will only cover you for a limited time, such as six months. If you want to renew coverage under a temporary policy after it expires you will have to reapply and there is no guarantee that coverage will be re-issued at all or at the same price.
• What is KHIA?
     Kansas maintains a high risk pool, called the Kansas Health Insurance Association, (KHIA) to provide insurance for people with expensive health conditions. Coverage is available for individuals, one adult and one dependent, and families.
• In general, you can buy coverage from KHIA if you have lived in Kansas for at least 6 months and can demonstrate proof of uninsurability.
     You are considered uninsurable in Kansas if you have been turned down for coverage by 2 different insurance companies, offered health insurance that permanently excludes coverage for your pre-existing condition, or are unable to find private health insurance coverage that is cheaper than KHIA health insurance.
• What does KHIA cover?
     You can choose from 5 plan options under KHIA. Covered benefits are the same under all plans, but the annual deductible varies. You have a choice of an annual deductible of $500, $1,000, $1,500, $2,250, or $5,000. Covered benefits include hospital and physician care, prescription drugs, home health care, and other services. Preventive services (such as childhood immunizations, mammograms, and screening for prostate cancer) are covered up to $250 per calendar year. A $25 copayment is required for each covered preventive service. There is a lifetime maximum of $1 million per person on covered benefits.

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