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Population: 4,206,074
(Source: U.S. Census Bureau)
Uninsured: 564,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for Kentucky health insurance policies. Click here to view our registration with the Kentucky Office of Insurance (We're listed as HBDC). |
Kentucky has the 26th highest number of uninsured in the U.S.
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Health Insurance News in Kentucky
Buying Individual Insurance Policies in Kentucky
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in Kentucky:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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- Alcoholism
- Ambulatory Surgery
- Autism
- Bone Marrow Transplants
- Bone Mass Measurements
- Breast Reconstruction
- Contraceptives
- Dental Anesthesia
- Diabetes Self Management
- Diabetic Supplies
- Emergency Services
- Hearing Aid
- Home Health Care
- Hospice Care
- Mammogram
- Mastectomy
- Maternity Stay
- Mental Health General
- Mental Health Parity
- PKU/Formula
- TMJ Disorders
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- Alzheimer's
- Ambulance Services
- Anti-Psychotic Drugs
- Birthing Centers/Midwives
- Blood Lead Poisoning
- Blood Products
- Cancer Medications
- Cervical cancer/HPV Screening
- Chemotherapy
- Chlamydia
- Cleft Palate
- Clinical Trials
- Colorectal Cancer Screening
- Congenital Bleeding Disorders
- Drug Abuse Treatment
- Early Intervention Services
- Habilitative Services
- Hair Prostheses
- HPV Vaccine
- In Vitro Fertilization
- Kidney Disease
- Long Term Care
- Lyme Disease
- Mastectomy Stay
- Maternity
- Minimum Hysterectomy Stay
- Minimum Testicular Cancer Stays
- Morbid Obesity Treatment
- Neurodevelopment Therapy
- Newborn Hearing Screening
- Newborn Sickle-Cell Testing
- Off-Label Drug Use
- Orthotics/Prosthetics
- Ostomy Related Supplies
- Other Infertility Services
- Ovarian Cancer Screening
- Port-wine Stain Elimination
- Prescription Drugs
- Prostate Cancer Screening
- Psychotic Drugs
- Rehabilitation Services
- Second Surgical Opinion
- Smoking Cessation
- Well-Child Care
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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- Continuation/Dependents
- Continuation/Employees
- Conversion to Non-Group
- Handicapped Dependents
- Newborns
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- Adopted Children
- Dependent Students
- Grandchildren
- Non-Custodial Children
- Domestic Partners
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| Mandated (Included) Providers |
Non-Mandated Providers |
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- Chiropractors
- First Nurse Assistant
- Optometrists
- Physician Assistants
- Podiatrists
- Psychologists
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- Acupuncturists
- Chiropodist
- Dentists
- Denturists
- Dieticians
- Lay Midwives
- Licensed Health Professional
- Marriage Therapists
- Massage Therapists
- Naturopaths
- Nurse Anesthetists
- Nurse Midwives
- Nurse Practitioners
- Nurses
- Occupational Therapists
- Opticians
- Oral Surgeons
- Osteopaths
- Pain Management Specialist
- Pastoral Counselor
- Pharmacists
- Physical Therapists
- Professional Counselors
- Psychiatric Nurse
- Public or Other Facilities
- Social Workers
- Speech or Hearing Therapists
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in Kentucky.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for Kentucky residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across Kentucky.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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