Kentucky 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 Kentucky...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.

• What are your protections under Group Health Care Plans in the State of Kentucky?
     Whether your group health plan is being offered by a union organization or an employer, your protections will vary somewhat, depending on whether your plan is a fully insured group health plan or a self-insured group health plan. The plan's benefits information must indicate whether the plan is self-insured.
• You have to be eligible for the group health plan.
     For example, your employer may not give health benefits to all employees. Or, your employer may offer an HMO plan that you cannot join because you live outside of the plan™s service area.
• You cannot be turned away or charged more because of your health status.
     This protection is called nondiscrimination. Employers may refuse or restrict coverage for other reasons (such as part time employment) as long as these are unrelated to health status and applied consistently.
• Discrimination due to health status is not permitted.
     The ABC Company offers two different health plans. Full time employees are offered a high option plan that covers prescription drugs; part time employees are offered a low option plan that does not. This is permitted under the law. By contrast, in a cost-cutting move, ABC restricts its high option plan to those managers who can pass a physical examination. This is not permitted under the law.
• Enrollment Period.
     You must be given a special opportunity to sign up for your group health plan if certain changes happen to your family. In addition to any regular enrollment period your employer or group health plan offers, you must be offered a special, 30-day opportunity to enroll in your group health plan after certain events. You can elect coverage at this time. If your group health plan offers family coverage, your dependents can elect coverage, as well. Enrollment during a special enrollment period is not considered late enrollment.
• Certain changes can trigger a special enrollment opportunity.
  * The birth, adoption, or placement for adoption of a child
  * Marriage
  * Loss of other coverage (for example, that you or your dependents had through yourself or another family member and lost because of death, divorce, legal separation, termination, retirement, or reduction in hours worked)
  
• When you begin a new job, your employer may require a waiting period before you can sign up for health coverage.
     These waiting periods, however, must be applied consistently and cannot vary due to your health status.
• When you begin a new job with health insurance through an HMO, the HMO may require a waiting period before coverage begins.
     This waiting period is called an HMO affiliation period, and you will not have health insurance coverage during this time. An affiliation period cannot exceed 2 months (3 months for late enrollees), and you cannot be charged a premium during it.
• If you have to take leave from your job due to illness, the birth or adoption of a child, or to care for a seriously ill family member, you may be able to keep your group health coverage for a limited time.
     A federal law known as the Family and Medical Leave Act (FMLA) guarantees you up to 12 weeks of job-protected leave in these circumstances. If you qualify for leave under the FMLA, your employer must continue your health benefits. You will have to continue paying your share of the premium.
      The FMLA applies to you if you work at a company with 50 or more employees. If you qualify for leave under the FMLA, your employer must continue your health benefits. You will have to continue paying your share of the premium.
     If you decide not to return to work at the end of the leave period, your employer may require you to pay back the employer's share of the health insurance premium. However, if you don't return to work because of factors outside your control (such as a need to continue caring for a sick family member, or because your spouse is transferred to a job in a distant city), you will not have to repay the premium.
     For more information about your rights under the FMLA, contact the U.S. Department of Labor.

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