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Points To Consider When Choosing Kentucky Individual Health Insurance

May 20th, 2013     News

Health insurance providers in Kentucky are offering a wide range of Kentucky individual health insurance plans. Most individuals are covered with employer sponsored health plans. If you do not have this then you must purchase your own health insurance policy directly from a private health insurance plan. This means that you have to look at several plans and choose the best health insurance plan.

Kentucky individual health insurance plans are composed of indemnity plans and managed health care plans. Managed health care plans include PPO, HMO and POS plans. Managed care plans have only small co-payments, low out of pocket costs and most of all it has no deductibles. There is also no need to file insurance claims.

  • HMOs require you to choose a primary care physician. This physician will be the one who will handle your health care and treatment. He will also refer you to a specialist if you need one. HMO plans also include checkups and wellness visits. HMO plans are considered to be the least expensive plans among all health care plans.
  • PPO plans are more flexible because it can allow you to see any doctor that you want. You can even use out of network doctors and specialists. The doctors within the network are under contract with the insurance company so they can give you discounted rates. However, if you use doctors outside the network then you will only be paid by a certain percentage of the expenses.
  • POS plans are actually a combination of HMOs and PPOs. POS plans have higher premiums but it can provide you more freedom of choice for doctors and hospitals. By using in-network care, you will only have small co-pays and no deductible is required.

Preferred Insurance Group has the most comprehensive website on Kentucky health insurance which you can visit at http://www.pinsgroup.net/. You can contact their agents at 877-334-1597, to help you understand Kentucky individual health insurance plans.