Kansas Health Insurance (KS)
Choose from the list below to learn more about specific health insurance providers in Kansas. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote.
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Health Insurance Providers in Kansas (KS)
American Medical Security
Assurant Health (formerly Fortis)
BlueCross BlueShield of Kansas
BlueCross BlueShield of Kansas City (Johnson and Wyandotte counties)
Celtic
Security Life
Individual Health Insurance in Kansas (KS)
Private companies who issue individual insurance policies can deny coverage to applicants with health problems. If you have a pre-existing condition, the insurance company can apply an exclusion rider or limit coverage for a length of time no longer than 24 months. In Kansas, pregnancy may be considered a pre-existing condition. Also, in individual policies, you do not get a creditable coverage for continuous coverage of your pre-existing condition. Because of a health problem, your premiums may be costly, with no set limitations. However, your individual policy cannot be cancelled due to an illness.
Group Health Insurance in Kansas (KS)
Group health insurance regulations in Kansas provide that when you are qualified, you cannot be denied insurance because of a health problem nor can you be charged more. When starting a new job, your employer may impose a waiting period before offering group health insurance. Changes in life situations can sometimes allow you added enrollment opportunities for group health coverages. If you have a pre-existing condition, different group plans have varied rules regarding the length of time they can review your prior medical history. Exclusion of a pre-existing condition from coverage is limited and the maximum length is also dependent on the type of your group plan. If you have had continuous health coverage, with no break for more than 63 days, the new insurance must give you credit which will shorten your pre-existing exclusion period.
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Small Business Health Insurance in Kansas (KS)
Small businesses who apply for small group health insurance cannot be turned down, charged more or cancelled due to health issues of members in their employ. The state allows a small business (two to 50 employees) to purchase group health insurance through a qualified, statewide alliance or trade association. However, it is recommended you contact the Kansas Insurance Department for regulations which govern professional associations with group health insurance availability.
Kansas Insurance Department
420 South West Ninth St.
Topeka, KS 66612
(785) 296-2283
www.ksinsurance.org
Self-Employed Health Insurance in Kansas (KS)
The self-employed are not allowed to buy group health insurance plans.
Kansas Programs (KS)
Kansas Health Insurance Association exists for those with costly health problems. Conversion policies are also available, provided you are eligible. There are several government programs to help those with low incomes or expensive health problems: Medicaid, Healthwave, Early Detection Works Program.
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