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  1. <?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:blogger='http://schemas.google.com/blogger/2008' xmlns:georss='http://www.georss.org/georss' xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-2204900764312725505</id><updated>2024-02-18T21:08:28.979-08:00</updated><category term="kentucky health insurance"/><category term="Kentucky Individual Health Insurance"/><category term="kentucky health plans"/><category term="KY health insurance"/><category term="Kentucky medical insurance"/><category term="Ky medical insurance"/><category term="health insurance in Kentucky"/><category term="kentucky family health insurance"/><category term="kentucky health insurance plans"/><category term="kentucky health plan"/><category term="Ky individual health insurance"/><category term="health insurance kentucky"/><category term="kentucky affordable health insurance"/><category term="individual health insurance kentucky"/><category term="affordable health insurance Ky"/><category term="health insurance in Ky"/><category term="individual health insurance ky"/><category term="kentucky insurance"/><category term="medical insurance Kentucky"/><category term="Kentucky health insurance plan"/><category term="Kentucky health quotes"/><category term="Ky family health insurance"/><category term="Ky health plans"/><category term="affordable kentucky insurance plans"/><category term="dental insurance Kentucky"/><category term="kentucky  insurance plan"/><category term="kentucky dental insurance"/><category term="medical insurance ky"/><category term="HealthCare Bill"/><category term="KYindividualhealthinsurance"/><category term="Kentucky health insurance quote"/><category term="Kentucky life insurance"/><category term="Kentuckyhealthinsurance"/><category term="Kentuckyindividualhealthinsurance"/><category term="affordable Kentucky health insurance"/><category term="affordable dental insurance kentucky"/><category term="denatl insurance in kentucky"/><category term="dental insurance in Kentucky"/><category term="health insurance individual Kentucky"/><category term="health insurance ky"/><category term="health plans Kentucky"/><category term="healthinsuranceKentucky"/><category term="individual ky health insurance"/><category term="individualKentuckyhealthinsurance"/><category term="individualhealthinsuranceKentucky"/><category term="kentucky group health insurance"/><category term="kentucky insurance plan"/><category term="ky dental insurance"/><category term="ky health insurance."/><title type='text'>Kentucky Health Plans</title><subtitle type='html'></subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><link rel='next' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default?start-index=26&amp;max-results=25'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>58</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-5496374931646583062</id><published>2011-04-08T19:54:00.000-07:00</published><updated>2011-04-08T20:02:08.331-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="health insurance kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Ky medical insurance"/><title type='text'>How to Choose the Right Kentucky Health Insurance Plan</title><content type='html'>Health insurance providers in Kentucky offer a wide range of plans for individuals and businesses. Most people are covered by an employer-sponsored plan. If you are not, you would have to buy a policy directly from an insurer. This means looking at various options and choosing the right &lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance-plans.htm&quot;&gt;Kentucky health insurance plan&lt;/a&gt;. &lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Compare Kentucky Health Plans&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Health insurance plans comprise managed health care plans and indemnity plans. Managed care comprises HMO, PPO and POS plans. Managed care means fewer out-of-pocket costs, a small co-pay per visit, and no deductibles or insurance claims to file.  &lt;br /&gt;&lt;br /&gt;With HMOs, members must choose a primary care physician. This physician handles all your healthcare and treatment and refers you to a specialist if necessary. Each plan allows a certain number of wellness visits and checkups. A HMO is the least expensive of healthcare plans. &lt;br /&gt;&lt;br /&gt;PPOs are flexible in that they let you see anyone you want, even out-of-network doctors and specialists. The doctor or healthcare provider is under contract with the insurance company to provide services at a discounted rate. However, if you go in for outside network care, you would be reimbursed for only up to a certain percentage of your expenses. &lt;br /&gt;&lt;br /&gt;POS plans combine features of both HMOs and PPOs. Premiums are higher than HMOs, but POS plans offer greater freedom of choice with doctors and hospitals. In-network care involves a small copay and no deductible. If you go outside the network, you have to pay as in a fee-for-service or indemnity plan.   &lt;br /&gt;&lt;br /&gt;Making the choice between plans depends on what your priorities are. Choose a HMO if you are looking at low premiums and preventive care. But this plan would not be right for you or a family member have a pre-existing health condition that needs the attention of a specialist. If the coverage is for you and your spouse, see if having two individual plans is less expensive than having family coverage. A PPO is ideal if you can stay within the network and see the doctor you want.&lt;br /&gt;&lt;br /&gt;One of the most important things to remember when buying medical insurance is that cost should not be the only concern. It is important to consider the needs of your family, range of benefits offered and the quality of the plan.&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Points to Consider when Buying Health Insurance in Kentucky&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;When you compare plans, consider the following:&lt;br /&gt;&lt;br /&gt;• The copay or discount for doctor visits&lt;br /&gt;• Number of doctor visits&lt;br /&gt;• Coverage for children&lt;br /&gt;• Coverage for prescription &lt;br /&gt;• Inpatient care and what the policy covers&lt;br /&gt;• Emergency care&lt;br /&gt;• Lab tests covered&lt;br /&gt;• Annual deductible&lt;br /&gt;• Total amount of co-insurance and deductible&lt;br /&gt;• Premium&lt;br /&gt;• Lifetime max coverage&lt;br /&gt;• Whether the plan is HSA-qualified. A High Deductible Health Insurance Plan combined with a Health Savings Account (HSA) and can save you tax dollars&lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Other relevant considerations&lt;/span&gt;:&lt;br /&gt;• If you are considering a new plan, review your past medical claims to understand how much of your expenses were not reimbursed&lt;br /&gt;• See if your doctor or specialist is enrolled in the plan &lt;br /&gt;• Choose the right doctor by checking out educational qualifications, credentials and experience. Ask friends to recommend a doctor, do online research to find good doctors and hospitals and choose a plan that has them as members &lt;br /&gt;• Read the fine print before you sign&lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Benefits of Expert Guidan&lt;/span&gt;ce&lt;br /&gt; &lt;br /&gt;The first step in choosing the right &lt;a href=&quot;http://www.kyfreehealthquotes.com&quot;&gt;Kentucky health insurance&lt;/a&gt; plan is to get quotes from leading providers. Browse the web to find a reliable insurance agent who can help you. An experienced agent would answer all your queries and offer expert guidance to help you find affordable health insurance to suit your needs</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/5496374931646583062/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/04/how-to-choose-right-kentucky-health.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/5496374931646583062'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/5496374931646583062'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/04/how-to-choose-right-kentucky-health.html' title='How to Choose the Right Kentucky Health Insurance Plan'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-2661040247896763234</id><published>2011-04-01T23:46:00.000-07:00</published><updated>2011-04-01T23:47:21.890-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance plans"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky Individual Health Insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky medical insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="medical insurance Kentucky"/><title type='text'>Kentucky Medical Insurance Within Your Budget</title><content type='html'>&lt;p&gt;The Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act seek to ensure that all Kentucky residents can buy quality affordable health insurance. Finding &lt;b&gt;&lt;a title=&quot;Kentucky medical insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-medical-insurance.htm&quot;&gt;Kentucky medical insurance&lt;/a&gt;&lt;/b&gt; within your budget is all about making the right choice. In other words, you have to consider your health insurance needs, how much you can afford to pay, and then find a health insurance plan that offers comprehensive coverage.&lt;br&gt;&lt;br /&gt;&lt;b&gt;Examine your Health Insurance Options &lt;/b&gt;&lt;br&gt;&lt;br /&gt;Health insurance companies compete to offer individuals, families and businesses a wide spectrum of health insurance options. Before you decide on a plan, consider the options that are open to you. Remember that the cost of &lt;b&gt;&lt;a title=&quot;Kentucky individual health insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-individual-health-insurance.htm&quot;&gt;Kentucky individual health insurance&lt;/a&gt;&lt;/b&gt; depends on the state of the individual’s health – a person with health risks would have to pay more. &lt;br&gt;Every plan involves a monthly cost or premium and also other expenses, such as an annual deductible or payments for office visits. Plans with higher premiums usually mean lower costs for office visits and other services. On the other hand, if you choose a plan with lower monthly costs, you will have to pay more for office visits and other services.&lt;br&gt;Kentucky individual or family health insurance plans include indemnity health plans, and managed-care including HMOs, PPOs and POS plans. HMOs usually cost less than the others.&lt;/p&gt;&lt;br /&gt;&lt;ul&gt;&lt;br /&gt;  &lt;li&gt;Indemnity health insurance plans offer a wider choice of providers than managed care, though you may have to pay first and claim reimbursement later.&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;Health Maintenance Organization (HMO) plans work through a network of doctors, hospitals, and other providers. &lt;/li&gt;&lt;br /&gt;  &lt;li&gt;In Preferred Provider Organization (PPO) plans, a group of preferred providers. They allow you to go in for out-of-network care, though you would have to pay more for such services&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;POS is managed care that offers the low cost of HMO as well as the flexibility of a PPO.&lt;/li&gt;&lt;br /&gt;&lt;/ul&gt;&lt;br /&gt;&lt;p&gt;Leading insurance companies like Humana, Blue Cross Blue Shield, Aetna and United offer several affordable &lt;b&gt;&lt;a title=&quot;Kentucky health insurance plans&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance-plans.htm&quot;&gt;Kentucky health insurance plans&lt;/a&gt;&lt;/b&gt;. It is important to get health insurance quotes from many providers as knowing the costs and benefits of various health insurance plans can help you find a budget-friendly option. &lt;br&gt;&lt;br /&gt;&lt;b&gt;Advantages of Professional Assistance &lt;/b&gt;&lt;br&gt;&lt;br /&gt;To assess the benefits of the various plans and get &lt;b&gt;&lt;a title=&quot;Kentucky medical insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-medical-insurance.htm&quot;&gt;Kentucky medical insurance&lt;/a&gt;&lt;/b&gt; within your budget, it is best to go in for expert advice. There are many professional companies based in Kentucky that can help you get free quotes from various health insurance companies, as well as compare them to choose an affordable plan. Their websites also offer valuable information on the various facets on &lt;b&gt;&lt;a title=&quot;Kentucky health insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance.htm&quot;&gt;Kentucky health insurance&lt;/a&gt;&lt;/b&gt; so as to help you make an informed decision.&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/2661040247896763234/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/04/kentucky-medical-insurance-within-your.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/2661040247896763234'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/2661040247896763234'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/04/kentucky-medical-insurance-within-your.html' title='Kentucky Medical Insurance Within Your Budget'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-8923086019506724089</id><published>2011-03-21T23:17:00.000-07:00</published><updated>2011-03-21T23:18:37.792-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="health insurance in Kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="health plans Kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="individual health insurance kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health plans"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky life insurance"/><title type='text'>Affordable Kentucky Health Insurance to Meet Your Needs</title><content type='html'>&lt;p&gt;As with the residents of other US states, people living in Kentucky have the option to choose from a wide range of individual health insurance plans. In fact, getting affordable &lt;b&gt;&lt;a title=&quot;Kentucky health insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance.htm&quot;&gt;Kentucky health insurance&lt;/a&gt;&lt;/b&gt; to meet your needs is not difficult, as long as you go about it in the right way. This means that you have to be aware of all the options open to you, study them, understand the fine print and choose the right plan. &lt;br&gt;&lt;br /&gt;&lt;b&gt;Overview of KY Medical Insurance Options &lt;/b&gt;&lt;br&gt;&lt;br /&gt;The basic kinds of managed care &lt;b&gt;&lt;a title=&quot;Kentucky health plans&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-plans.htm&quot;&gt;Kentucky health plans&lt;/a&gt;&lt;/b&gt; that you can choose from are HMO, PPO, POS, and HSA plans. &lt;/p&gt;&lt;br /&gt;&lt;ul&gt;&lt;br /&gt;  &lt;li&gt;Health Maintenance Organization (HMO) plans are more affordable than others and a good choice for a family that does not have too many health issues. They allow you to see an in-network primary care physician who can refer you to a specialist if the need arise.&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;Preferred Provider Organization (PPO) plans cost more than a HMO, but offer a wider network of health care providers. These plans are based on fixed arrangements with doctors and other healthcare providers. You can opt for a PPO which offers services from in-network providers or choose one that provides out-of-network care.&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;Point of Service (POS) plans combine features of both HMOs and PPOs and are designed to ensure affordability. You can see any out-of-network physician or specialist you want, though your costs may be higher than with a HMO. &lt;/li&gt;&lt;br /&gt;&lt;/ul&gt;&lt;br /&gt;&lt;p&gt;In any case, when it comes to getting affordable but comprehensive coverage, you would have to consider and compare various factors such as members in your family who need insurance; premiums, additional payments including copays and deductibles; whether preventive screenings are covered; whether inpatient care includes surgery costs, board and incidentals; visits, emergency care and prescription coverage. &lt;br&gt;&lt;br /&gt;&lt;b&gt;Comprehensive Medical Insurance from Various Providers&lt;/b&gt;&lt;br&gt;&lt;br /&gt;Anthem Blue Cross Blue Shield, Aetna, UnitedHealth One and Humana are companies that offer different kinds of health plans for individuals, families, business owners looking to provide employee insurance, short-term plans, and more. They offer Health Savings Accounts (HSAs) that are tax-free when combined with high deductible health plans (HDHP), and allow you to pay for qualified medical expenses. Many &lt;b&gt;&lt;a title=&quot;Kentucky health insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-plans.htm&quot;&gt;Kentucky health insurance&lt;/a&gt;&lt;/b&gt; can be customized.&lt;br /&gt;&lt;br&gt;&lt;br /&gt;&lt;b&gt;The First Step towards Affordable Health Insurance&lt;/b&gt;&lt;br&gt;&lt;br /&gt;Ideally, the first step towards getting affordable medical coverage is to contact a professional company that represents leading providers. An established insurance agent would have all the necessary resources to offer exceptional customer service, and would also provide expert advice and guidance to help you secure affordable &lt;b&gt;&lt;a title=&quot;Kentucky health insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance.htm&quot;&gt;Kentucky health insurance&lt;/a&gt;&lt;/b&gt; to meet your needs.&lt;br&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/8923086019506724089/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/03/affordable-kentucky-health-insurance-to.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/8923086019506724089'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/8923086019506724089'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/03/affordable-kentucky-health-insurance-to.html' title='Affordable Kentucky Health Insurance to Meet Your Needs'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-860376202649799452</id><published>2011-03-06T20:19:00.000-08:00</published><updated>2011-03-06T20:20:14.562-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="dental insurance in Kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="dental insurance Kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky dental insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky medical insurance"/><title type='text'>Kentucky Dental Insurance Plans and Benefits</title><content type='html'>&lt;p&gt;As with Kentucky health insurance plans, &lt;b&gt;&lt;a title=&quot;Kentucky dental insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-dental-insurance.htm&quot;&gt;Kentucky dental insurance&lt;/a&gt;&lt;/b&gt; plans come with a wide range of benefits. Enrolling in a dental insurance plan offered by a leading provider would assure you of dental benefits like yearly checkups, x-rays, cleanings and other kinds of treatment. Health insurance companies such as Anthem Blue Cross Blue Shield, HumanaOne and Assurant offer plans that provide comprehensive and affordable dental care for individuals and families.&lt;br&gt;&lt;br /&gt;&lt;b&gt;&lt;a title=&quot;Dental Insurance in Kentucky&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-dental-insurance.htm&quot;&gt;Dental Insurance in Kentucky&lt;/a&gt; – Overview of Plans &lt;/b&gt;&lt;br&gt;&lt;br /&gt;All dental insurance plans involve the payment of a monthly premium and entitle you to specific dental benefits such as necessary to maintain general dental health. For a higher premium, some plans ever offer coverage for certain kinds of dental surgery. The following is an overview of the dental insurance options offered by Anthem Blue Cross Blue Shield, HumanaOne and Assurant. &lt;/p&gt;&lt;br /&gt;&lt;ul&gt;&lt;br /&gt;  &lt;li&gt;Anthem Blue Cross Blue Shield (BCBS) – All of the Anthem BCBS dental plans allow you see any dentist, though the cost would be lower if you see a dentist in the provider network. You can get full coverage for diagnostic and preventive care as well as a fixed amount for basic and major dental services with providers in the company’s network with an Anthem Blue Cross Blue Shield plan. Dental Blue Basic 100 from Anthem BCBS covers all basic dental care needs such as routine dental check-ups and fillings. Another plan, Dental Blue Essential 100, goes further with coverage for the basics, plus services like crowns, bridges, root canals and dentures. For a higher cost, Dental Blue Essential 200 offers a wider choice of network dentists than Dental Blue Essential 100, though the benefits that both these plans cover are similar.&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;HumanaOne’s Dental Preventive Plus is a PPO (preferred provider organization) plan with low deductibles and no copays. With HumanaOne Dental C550, you have to choose a primary dentist. The Dental Discount plan offered by this insurance company allows you to save 20-50 on dental care services.&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;With an affordable Assurant dental insurance plan, you pay set amounts for each service. You can get three types of services: preventive services that include two dental visits per person per year, basic services that include fillings and extractions, and major services for crowns, periodontics, endontics, dentures and oral surgery. You can choose any dentists and there are no deductible, so coinsurance, and no copays.&lt;/li&gt;&lt;br /&gt;&lt;/ul&gt;&lt;br /&gt;&lt;p&gt;&lt;b&gt;Get Free Quotes for &lt;a title=&quot;Kentucky Dental Insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-dental-insurance.htm&quot;&gt;Kentucky Dental Insurance&lt;/a&gt;&lt;/b&gt;&lt;br&gt;&lt;br /&gt;To choose from the many &lt;b&gt;&lt;a title=&quot;Kentucky dental insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-dental-insurance.htm&quot;&gt;Kentucky dental insurance&lt;/a&gt;&lt;/b&gt; plans, you need to get quotes and compare them. The ideal way to do this is through experienced health insurance agents, who can advise you on various plan benefits. The websites of leading agents provide all the information you need about the plans on offer. You can also benefit from expert guidance and simple online procedures to enroll in a &lt;b&gt;&lt;a title=&quot;Kentucky dental insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-dental-insurance.htm&quot;&gt;Kentucky dental insurance&lt;/a&gt;&lt;/b&gt; plan to suit your needs.&lt;br&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/860376202649799452/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/03/kentucky-dental-insurance-plans-and.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/860376202649799452'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/860376202649799452'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/03/kentucky-dental-insurance-plans-and.html' title='Kentucky Dental Insurance Plans and Benefits'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-4829328228616600593</id><published>2011-02-21T19:34:00.000-08:00</published><updated>2011-02-21T19:35:34.146-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="health insurance kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="individual health insurance kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance plans"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky Individual Health Insurance"/><title type='text'>Kentucky Individual Health Insurance – Evaluate Options</title><content type='html'>&lt;p&gt;The health insurance market offers various kinds of &lt;b&gt;&lt;a title=&quot;Kentucky health insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance.htm&quot;&gt;Kentucky health insurance&lt;/a&gt;&lt;/b&gt; that include individual and family health insurance, group and student insurance, short-term insurance, dental insurance, and more. &lt;b&gt;&lt;a title=&quot;Kentucky individual health insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-individual-health-insurance.htm&quot;&gt;Kentucky individual health insurance&lt;/a&gt;&lt;/b&gt; or family health insurance refers to health insurance that covers you and your family. You would need to consider buying an individual health insurance plan if your employer does not offer you coverage in a group plan. &lt;br&gt;&lt;br /&gt;&lt;b&gt;Factors Governing Issue of Kentucky Individual Health Insurance &lt;/b&gt;&lt;br&gt;&lt;br /&gt;All &lt;b&gt;&lt;a title=&quot;Kentucky health insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance.htm&quot;&gt;Kentucky health insurance&lt;/a&gt;&lt;/b&gt; is state-regulated. Some of the main factors governing the issue of individual health insurance in Kentucky are: &lt;/p&gt;&lt;br /&gt;&lt;ul&gt;&lt;br /&gt;  &lt;li&gt;Kentucky health insurance providers consider factors such as health status, gender, age, and lifestyle when considering an application&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;Premiums vary depending on the above-mentioned factors. Premiums would be quite high if you have a serious health condition. Also, your premium would go up as you get older &lt;/li&gt;&lt;br /&gt;  &lt;li&gt;As in other state, in Kentucky too, individual insurance is not guaranteed issue. However, your existing insurance policy cannot be canceled if you get sick, except in the case of fraud or intentional misrepresentation of material fact&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;In Kentucky, a health insurance company can apply a pre-existing condition exclusion period for a condition like pregnancy for up to 12 months &lt;/li&gt;&lt;br /&gt;  &lt;li&gt;An insurance company will not refuse you issue, charge more or require you to face a pre-existing exclusion period because of a genetic condition that includes your family history of health conditions&lt;/li&gt;&lt;br /&gt;&lt;/ul&gt;&lt;br /&gt;&lt;p&gt;Kentucky private health insurance options available to individuals include HMO, PPO, POS, and HSA plans. Recent health reform legislation has brought many benefits. Children are now allowed to stay on their parents’ health plan till age 26, and cannot be denied coverage due to a pre-existing condition. &lt;br&gt;&lt;br /&gt;&lt;b&gt;Buying a Comprehensive Kentucky Health Insurance Plan - Points to Consider&lt;/b&gt;&lt;br&gt;&lt;br /&gt;It would be to your advantage to consider the following when buying &lt;b&gt;&lt;a title=&quot;Kentucky individual health insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-individual-health-insurance.htm&quot;&gt;Kentucky individual health insurance&lt;/a&gt;&lt;/b&gt;:&lt;/p&gt;&lt;br /&gt;&lt;ul&gt;&lt;br /&gt;  &lt;li&gt;Number of members in you family who need coverage&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;Coverage for children&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;Whether your primary care physician (if your plan has one) is nearby&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;Premium, copayments and deductible&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;Services that the plan pays for &lt;/li&gt;&lt;br /&gt;  &lt;li&gt;Coverage for prescriptions&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;The future health needs of your family&lt;/li&gt;&lt;br /&gt;  &lt;li&gt;Your budget&lt;/li&gt;&lt;br /&gt;&lt;/ul&gt;&lt;br /&gt;&lt;p&gt;A licensed health insurance agent would be able to provide valuable advice on choosing the right health insurance plan. The websites of experienced agents offer all the resources necessary to request quotes from various insurance providers, compare them and select the right plan. &lt;br&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/4829328228616600593/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/02/kentucky-individual-health-insurance.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/4829328228616600593'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/4829328228616600593'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/02/kentucky-individual-health-insurance.html' title='Kentucky Individual Health Insurance – Evaluate Options'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-4728016194028874879</id><published>2011-02-09T22:35:00.000-08:00</published><updated>2011-02-09T22:36:09.042-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="health insurance kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="health insurance ky"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><title type='text'>KY Health Insurance – Many Affordable Options</title><content type='html'>&lt;p align=&quot;justify&quot;&gt;&lt;img width=&quot;305&quot; height=&quot;265&quot; align=&quot;left&quot; src=&quot; http://www.kyfreehealthquotes.com/images/ky-health-insurance.jpg&quot; alt=&quot;&quot; /&gt;Many Kentucky residents get health insurance through their  employer. Such KY health insurance coverage usually covers their families also.  However, if it does not, they have to look for an affordable family health  insurance plan. Kentucky residents can choose from a wide range of insurance  options such as HMO, PPO, POS, and HSA plans. &lt;br /&gt; &lt;b&gt;&lt;br /&gt; KY Health Insurance Options for your Family&lt;/b&gt;&lt;br /&gt; &lt;br /&gt; • HMO: Most people prefer to go in for a HMO as they cost less than other plans.  Your family would see a primary care physician (PCP) in the HMO network, so it  is important that the health facility is close to where you stay. A HMO is a  good choice if your family is in good health. Your PCP would have to provide  reference if you need to see a specialist.&lt;br /&gt; &lt;br /&gt; • PPO: PPOs offer a wider network of preferred health care providers. Your  family can consult doctors, including specialists in the network, though costs  would be higher than with a HMO. Many health insurance companies offer PPO plan  coverage with one set of benefits from in-network providers and another for care  received from providers outside the network. &lt;br /&gt; &lt;br /&gt; • POS: POS family health insurance plans offer a great deal of flexibility. You  can consult out-of-network doctors and providers, though your out-of-pocket  costs and premiums would be higher than in a HMO. &lt;br /&gt; &lt;br /&gt; • HSA: A Health Savings Account combined with a high deductible health plan (HDHP)  allows you to pay for qualified health expenses using the money you put into a  tax-free HSA. You have lower monthly premiums and a high deductible&lt;b&gt;.&lt;br /&gt; &lt;br /&gt; Choosing the Right Plan &lt;/b&gt;&lt;br /&gt; &lt;br /&gt; Consider the following points when buying family health insurance on your own:  number of members to be insured, premiums, co pays, and deductibles, coverage  for children, whether inpatient care for your family includes costs of surgery,  room, board and incidentals; number of doctor visits; emergency care;  prescription coverage, and so on.&lt;br /&gt; &lt;br /&gt; New reform has brought a lot of welcome relief as far as &lt;b&gt; &lt;a href=&quot;http://www.kyfreehealthquotes.com/ky-health-insurance.htm&quot;&gt;KY health  insurance&lt;/a&gt;&lt;/b&gt; is concerned. Children can remain on their parents’ policy  till age 26, and cannot be denied coverage because of a pre-existing condition.  Insurance companies cannot drop people from coverage when they get sick. Members  in new plans can choose any PCP without prior authorization from the insurer.  This offers greater access to health care in emergencies. &lt;br /&gt; &lt;br /&gt; The best way to buy KY health insurance for your family is to seek professional  guidance from an experienced insurance agent. &lt;br /&gt; &lt;br /&gt;  &lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/4728016194028874879/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/02/ky-health-insurance-many-affordable.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/4728016194028874879'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/4728016194028874879'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/02/ky-health-insurance-many-affordable.html' title='KY Health Insurance – Many Affordable Options'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-3542275138742789399</id><published>2011-01-27T20:28:00.000-08:00</published><updated>2011-01-27T20:30:11.798-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="affordable Kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="health insurance kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky affordable health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><title type='text'>Kentucky Health Insurance – Plans to Suit Your Needs</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;http://www.kyfreehealthquotes.com/images/kentucky-affordable-health-insurance.jpg&quot;&gt;&lt;img style=&quot;float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 395px; height: 263px;&quot; src=&quot;http://www.kyfreehealthquotes.com/images/kentucky-affordable-health-insurance.jpg&quot; border=&quot;0&quot; alt=&quot;&quot; /&gt;&lt;/a&gt;Health insurance companies offer various kinds of health insurance plans to suit  the needs of individuals, families and employers in Kentucky. These include  indemnity plans, HMOs and PPOs. Indemnity plans offer a greater choice of health  care providers. You pay up front and the insurer pays its share when it receives  the bill. A Health Maintenance Organization (HMO) plan operates through a  network of doctors, hospitals, other providers. You can choose one doctor as a  primary care physician (PCP), who refers you to a HMO-approved specialist if  needed. A Preferred Provider Organization (PPO) plan offers greater freedom to  choose from a preferred provider network of health care providers. With a PPO,  you do not need a referral from a PCP to see other providers in the network.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Choose from Various &lt;a title=&quot;affordable kentucky health insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-affordable-health-insurance.htm&quot;&gt; Affordable Kentucky Health Insurance&lt;/a&gt; Options&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;Leading health insurance companies offering comprehensive and affordable &lt;strong&gt; &lt;a title=&quot;kentucky health insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance.htm&quot;&gt; Kentucky health insurance&lt;/a&gt;&lt;/strong&gt; include Anthem Blue Cross Blue Shield, Humana  One, United Health One and Aetna. The following is a brief overview of their  options:&lt;br /&gt;&lt;strong&gt;&lt;br /&gt;• Kentucky Anthem Blue Cross Blue Shield’s &lt;/strong&gt;popular health insurance plans  include Premier Plus, Lumenos HSA, and Smart Sense Plus. Premier Plus offers an  unlimited number of doctor office visits with co-payment before the deductible  and prescription drug coverage options. Lumenos HSA Plus is a health savings  account with a tax advantage plan and offers preventive care services without  deductibles or coinsurance. Smart Sense Plus covers essentials like office  visits at low monthly rates and offers a choice of prescription drug coverage  options.&lt;br /&gt;&lt;br /&gt;• &lt;strong&gt;Humana one’s&lt;/strong&gt; HSA is an attractive plan for big families and comes with  a high deductible and low premium. It covers doctor office visits and  prescription drugs. Autograph Total and Portrait Share are among Humana One’s  best-selling plans.&lt;br /&gt;&lt;br /&gt;•&lt;strong&gt; United Health One&lt;/strong&gt; offers affordable individual and family HSA plans  like Copay Select, HSA 100, Plan 100, Plan 80 and Saver 80. Saver 80 offers  great coverage with a low deductible and is suitable for people in the 50-60 age  groups who are looking for just hospital coverage.&lt;br /&gt;&lt;br /&gt;• &lt;strong&gt;Aetna’s &lt;/strong&gt;Open Choice Plan has a low-priced option that allows you to see  any network doctor without a referral. Another option allows you to visit even a  specialist without a referral, though your out-of-pocket costs would be higher.&lt;br /&gt;&lt;strong&gt;&lt;br /&gt;Rely on Professional Assistance&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;Most plans can be customized to suit your specific needs. To get information on  the various health insurance options in Kentucky, contact a reliable insurance  agent. You get expert assistance in comparing plan benefits and rates, instant  personalized quotes and the facility to apply online.</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/3542275138742789399/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/01/kentucky-health-insurance-plans-to-suit.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/3542275138742789399'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/3542275138742789399'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/01/kentucky-health-insurance-plans-to-suit.html' title='Kentucky Health Insurance – Plans to Suit Your Needs'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-5776354925400180408</id><published>2011-01-15T00:11:00.000-08:00</published><updated>2011-01-15T00:12:12.723-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky Individual Health Insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky medical insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Ky medical insurance"/><title type='text'>Kentucky Medical Insurance – Make an Informed Decision</title><content type='html'>&lt;a href=&quot;http://www.kyfreehealthquotes.com&quot;&gt;&lt;img class=&quot;alignleft&quot; src=&quot;http://www.kyfreehealthquotes.com/images/kentucky-health-insurance-plans.jpg&quot; alt=&quot;&quot; width=&quot;335&quot; height=&quot;261&quot; /&gt;&lt;/a&gt;Leading insurance companies offer various kinds of &lt;strong&gt; &lt;a title=&quot;ky medical insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-medical-insurance.htm&quot;&gt; Kentucky medical insurance&lt;/a&gt;&lt;/strong&gt; plans. All health insurance in the state is  monitored by the Kentucky Department of Insurance. The health insurance offered  include indemnity and managed health care plans. The best way to buy a suitable  plan is to look at the various options available, compare them, get quotes and  apply online.&lt;br /&gt;&lt;br /&gt;There is a greater choice of health care providers with indemnity plans. The  insurance company fixes the amount that it will pay for medical services that  you are provided. You have to pay up front and your health insurance company  will pay their share of the cost on receiving the bill.&lt;br /&gt;&lt;br /&gt;With managed care, the insurance company contracts with a network of doctors and  hospitals to offer you services at fixed rates. You choose a suitable primary  care physician who is responsible for your health care.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Make an Informed Decision &lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;To make an informed decision on Kentucky medical insurance, consider the  following:&lt;br /&gt;&lt;ul&gt;&lt;br /&gt; &lt;li&gt;Your priorities&lt;/li&gt;&lt;br /&gt; &lt;li&gt;Your medical condition&lt;/li&gt;&lt;br /&gt; &lt;li&gt;Future healthcare needs&lt;/li&gt;&lt;br /&gt; &lt;li&gt;Your budget&lt;/li&gt;&lt;br /&gt; &lt;li&gt;Services paid for by the plan&lt;/li&gt;&lt;br /&gt; &lt;li&gt;Your primary care physician and whether he is nearby&lt;/li&gt;&lt;br /&gt; &lt;li&gt;How much you have to pay as premium and other costs&lt;/li&gt;&lt;br /&gt;&lt;/ul&gt;&lt;br /&gt;To make an informed decision on health insurance, it is  important to look at various kinds of plans. You need to select a plan that is  within your budget and offers the maximum benefits for the amount you pay.&lt;br /&gt;&lt;strong&gt;&lt;br /&gt;Seek Professional Assistance &lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;Browsing the Internet takes you to the websites of various insurance companies  offering different kinds of Kentucky medical insurance plans for individuals,  families, businesses, students and much more. Looking at these plans and making  the right choice can be quite confusing with professional help. You have to  understand the various terms, guidelines on premiums, out-of-pocket costs, and  more, compare plans and select a suitable one. An ideal way to go about all this  is to get help from a reliable insurance agent. You can get free instant quotes  from leading insurance companies from the websites of these agents. They can  answer all your queries on &lt;strong&gt; &lt;a title=&quot;kentucky health insurance plans&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance-plans.htm&quot;&gt; Kentucky health insurance plans&lt;/a&gt;&lt;/strong&gt;, help you choose one to suit your needs,  and guide you through the whole application process.</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/5776354925400180408/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/01/kentucky-medical-insurance-make_15.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/5776354925400180408'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/5776354925400180408'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/01/kentucky-medical-insurance-make_15.html' title='Kentucky Medical Insurance – Make an Informed Decision'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-9050455717690833646</id><published>2011-01-11T18:39:00.000-08:00</published><updated>2011-01-11T18:48:54.376-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health plans"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky health quotes"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky Individual Health Insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky medical insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Ky medical insurance"/><title type='text'>Kentucky Medical Insurance – Understand your Options</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot; http://www.kyfreehealthquotes.com/images/kentucky-medical-insurance.jpg&quot;&gt;&lt;img style=&quot;float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 395px; height: 263px;&quot; src=&quot; http://www.kyfreehealthquotes.com/images/kentucky-medical-insurance.jpg&quot; border=&quot;0&quot; alt=&quot;&quot; /&gt;&lt;/a&gt;&lt;b&gt;&lt;a title=&quot;Kentucky medical insurance&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-medical-insurance.htm&quot;&gt;Kentucky medical insurance&lt;/a&gt; &lt;/b&gt;fall under various categories such as family and individual insurance, group, short-term medical insurance, student health insurance, and Medicare. Understanding all these categories and the benefits they offer is the key to getting affordable health insurance.&lt;br&gt;&lt;br&gt;&lt;b&gt;Kentucky Medical Insurance – Various Categories&lt;/b&gt;&lt;br&gt;&lt;br /&gt;&lt;b&gt;Individual:&lt;/b&gt; Individual &lt;b&gt;&lt;a title=&quot;Kentucky health insurance plans&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance-plans.htm&quot;&gt; Kentucky health insurance plans&lt;/a&gt;&lt;/b&gt; are for the self-employed, or those without employer-sponsored health insurance. Individual health insurance is underwritten. Medical insurance underwriting is a process through which medical insurance companies consider factors such as age, health status and history, occupation, hobbies, personal habits, and lifestyle to evaluate their risk in issuing the policy. &lt;br&gt;&lt;br&gt;&lt;b&gt;Group: &lt;/b&gt;With group health plans, the insurance company has to cover all qualified applicants. New employees may have to wait for health coverage. &lt;br /&gt;Medical insurance company can refuse coverage for those with preexisting conditions only the first 12 months. By 2014, most employees will be able to buy individual policies at much lower prices than employer group coverage. &lt;br&gt;&lt;br&gt;&lt;b&gt;COBRA&lt;/b&gt;: If you lose your job, COBRA (The Congressional Omnibus Budget Reconciliation Act of 1985) ensures that you can stay on the employer-sponsored plans for a certain period. &lt;br&gt;&lt;br&gt;&lt;b&gt;Student medical insurance:&lt;/b&gt; Kentucky schools and colleges offer student medical insurance policies that usually cover x-rays, lab work and minor emergencies. School health center visits are free and many other services come &lt;br /&gt;at low cost. Students need to check the extent of plan coverage and conditions. &lt;br /&gt;New law permits children to stay on their parents’ medical insurance plan till &lt;br /&gt;age 26, which could mean that fewer students may opt for student medical insurance. &lt;br&gt;&lt;br&gt;&lt;b&gt;Medicare:&lt;/b&gt; This is government-administered medical care available to &lt;br /&gt;persons aged 65 and over. New reform aims to strengthen Medicare. Check with the Kentucky Department of Medicaid Services to understand eligibility criteria, plans and benefits. &lt;br&gt;&lt;br&gt;&lt;b&gt;High-risk pools:&lt;/b&gt; New reform ensures that Americans denied coverage because of a preexisting medical condition are covered in high-risk pools until 2014. After this, they will have access to coverage through health insurance exchanges. In KY, 45% of the total cost of plans purchased through the high-risk pool is paid by premiums. &lt;br&gt;&lt;b&gt;&lt;br&gt;Rely on Expert Assistance&lt;/b&gt;&lt;br&gt;&lt;b&gt;&lt;a title=&quot;kentucky health insurance company&quot; href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance-companies.htm&quot;&gt;&lt;br /&gt;Kentucky health insurance companies&lt;/a&gt;&lt;/b&gt; offer different kinds of plans covering many categories. Getting a quote and applying for a policy is now a relatively easy process, though it is advisable to rely on professional help to understand your options and choose a suitable health insurance plan. &lt;br&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/9050455717690833646/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/01/kentucky-medical-insurance-understand.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/9050455717690833646'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/9050455717690833646'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2011/01/kentucky-medical-insurance-understand.html' title='Kentucky Medical Insurance – Understand your Options'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-5527004898728384370</id><published>2010-12-26T23:47:00.000-08:00</published><updated>2010-12-26T23:53:39.248-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky health insurance quote"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health plans"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky Individual Health Insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky medical insurance"/><title type='text'>Kentucky Health Insurance Quote – Compare Plans</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;http://www.kyfreehealthquotes.com/images/ky-health-insurance.jpg&quot;&gt;&lt;img style=&quot;float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 395px; height: 265px;&quot; src=&quot;http://www.kyfreehealthquotes.com/images/ky-health-insurance.jpg&quot; border=&quot;0&quot; alt=&quot;&quot; /&gt;&lt;/a&gt;Kentucky health insurance providers have made the process of getting a &lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance-quote.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance quote&lt;/span&gt;&lt;/a&gt; simple, quick and free. Before you get a quote, you have to decide on the kind of policy you want to buy. There are many different kinds of health insurance plans. The first step is to apply for a quote. Next, you have to compare quotes to choose the right plan.&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt; &lt;br /&gt;Getting a Kentucky Health Insurance Quote&lt;/span&gt;&lt;br /&gt; &lt;br /&gt;When you choose a plan and apply for a &lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-medical-insurance.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky medical insurance&lt;/span&gt;&lt;/a&gt;quote, you provide personal information on your health status and also several other factors. Insurance companies determine the extent of coverage they will offer and the price of your plan on the basis of a process called underwriting. Underwriting determines the extent of risk that the company faces when offering you coverage. &lt;br /&gt; &lt;br /&gt;If you are buying a plan for your family, the factors that are considered during underwriting are age of the members, their lifestyle, their health condition, medical history and previous ailments. Insurance through your employer or group coverage would not be affected by the health status of the persons in the group. The premium for group insurance is usually determined on the basis of the group as a whole and costs less than for individual health insurance. &lt;br /&gt; &lt;br /&gt;One of the best ways to get a quote is through an experienced health insurance agent. The websites of professional health agents offer facilities to obtain free, instant quotes from the major &lt;a href=&quot; http://www.kyfreehealthquotes.com/kentucky-health-insurance-companies.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance companies&lt;/span&gt;&lt;/a&gt;. They would be able to help you compare plans and advise you on the right kind of insurance policy for your family. If you are an employer looking for a suitable group health insurance plan, professional agents can provide you with customized solutions. &lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt; &lt;br /&gt;Provide Correct Information &lt;/span&gt;&lt;br /&gt; &lt;br /&gt;When you apply for a &lt;a href=&quot; http://www.kyfreehealthquotes.com&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance&lt;/span&gt;&lt;/a&gt; quote, one important point you have to remember is not to withhold any information or to provide the wrong information. This could result in raising insurance cost and even being denied coverage.  </content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/5527004898728384370/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/12/kentucky-health-insurance-quote-compare.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/5527004898728384370'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/5527004898728384370'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/12/kentucky-health-insurance-quote-compare.html' title='Kentucky Health Insurance Quote – Compare Plans'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-5081549134345449704</id><published>2010-12-22T19:55:00.000-08:00</published><updated>2010-12-22T20:09:27.982-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health plans"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky health quotes"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky Individual Health Insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky medical insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><title type='text'>Kentucky Health Insurance Plan – Choosing Right</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;http://www.kyfreehealthquotes.com/images/affordable-kentucky-insurance-plans.jpg&quot;&gt;&lt;img style=&quot;float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 395px; height: 265px;&quot; src=&quot;http://www.kyfreehealthquotes.com/images/affordable-kentucky-insurance-plans.jpg&quot; border=&quot;0&quot; alt=&quot;&quot; /&gt;&lt;/a&gt;&lt;br /&gt;Choosing the right &lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance-plans.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance plans&lt;/span&gt;&lt;/a&gt; means finding the right balance between the services you are looking for and your budget. To make the right decision, need to be aware about all the changes that are taking place on the healthcare front. &lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt; &lt;br /&gt;Kentucky Health Insurance Plan – Study Options  &lt;/span&gt;&lt;br /&gt; &lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-plans.htm&quot;&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health plans&lt;/span&gt; &lt;/a&gt;include indemnity health plans or managed-care health plans. With an indemnity plan, you get the advantage of a wide choice of healthcare service providers. Managed care plans work largely through a network of providers your health insurance company has tied up with. They include Health Maintenance Organization (HMO, Preferred Provider Organization (PPO), and Point of Service (POS) plans.&lt;br /&gt; &lt;br /&gt;&lt;ul&gt;&lt;li&gt;With a HMO plan, you see an in-network primary care physician. You would need to get a reference from this physician to see a specialist. HMOs mean a fixed monthly payment and sometimes co payments for services utilized, though the insurance company will not cover out-of-network services.&lt;/li&gt;&lt;br&gt; &lt;br /&gt;&lt;li&gt;Membership a PPO plan means you get a wide choice of doctors and hospitals. You pay a coinsurance or proportion of the bill for the coverage you get and the plan pays the rest. A referral is not needed if you want to see an out-of-network physician, though the plan pays less when you do so. &lt;/li&gt;&lt;br&gt; &lt;br /&gt;&lt;li&gt;POS plans combine features of both HMO and PPO plans. A primary healthcare doctor takes care of your health. If you are referred out-of-network, your plan covers most of your expenses. You can also see out-of-network providers without a referral, but at a greater cost.&lt;/li&gt;&lt;/ul&gt;&lt;br&gt; &lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt; &lt;br /&gt;Kentucky Health Plans – The HSA Advantage&lt;/span&gt;&lt;br /&gt; &lt;br /&gt;Health Savings Accounts or HSAs lower your health insurance rates, reduce the taxes you pay and help build savings for retirement. To qualify for a HSA, you need to have a high-deductible health insurance plan. When your &lt;a href=&quot;http://www.kyfreehealthquotes.com&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance&lt;/span&gt; &lt;/a&gt;plan comes into effect, your HSA also becomes operational. The funds in the HSA earn tax-free interest and roll over to the next year. &lt;br /&gt; &lt;br /&gt;An established health insurance agent is your best option when it comes to choosing the right &lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-individual-health-insurance.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky individual health insurance&lt;/span&gt;&lt;/a&gt; plan. Look for a website that offers free health insurance quotes and expert guidance to help make the right decision. &lt;br /&gt; &lt;br /&gt; </content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/5081549134345449704/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/12/kentucky-health-insurance-plan-choosing.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/5081549134345449704'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/5081549134345449704'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/12/kentucky-health-insurance-plan-choosing.html' title='Kentucky Health Insurance Plan – Choosing Right'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-7607358949795273731</id><published>2010-12-16T21:57:00.000-08:00</published><updated>2010-12-16T22:07:38.874-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="health insurance individual Kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="individual health insurance kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="individual ky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky Individual Health Insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Ky individual health insurance"/><title type='text'>Kentucky Individual Health Insurance – The HSA Advantage </title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;http://www.kyfreehealthquotes.com/images/ky-health-insurance.jpg&quot;&gt;&lt;img style=&quot;float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 395px; height: 265px;&quot; src=&quot;http://www.kyfreehealthquotes.com/images/ky-health-insurance.jpg&quot; border=&quot;0&quot; alt=&quot;&quot; /&gt;&lt;/a&gt;&lt;p align=&quot;justify&quot;&gt;If you are looking for affordable&lt;b&gt;&lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-individual-health-insurance.htm&quot;&gt;&lt;br /&gt;Kentucky individual health insurance&lt;/a&gt;&lt;/b&gt;, a good option is to go in for a High Deductible Health Plan (HDHP) with a HSA advantage. HSAs or Health Savings Accounts allow you to put money into a tax-free account and use it to pay for qualified medical costs. Leading health insurance providers like Anthem Blue Cross Blue Shield, Humana and Aetna offer Kentucky residents HSA-compatible health plans that ensure comprehensive coverage at affordable cost. &lt;br&gt;&lt;br /&gt;&lt;b&gt;Kentucky HSA-compatible Individual Health Plans&lt;/b&gt;&lt;br&gt;&lt;br /&gt;Anthem BCBS offers Lumenos HSA, a plan that includes the usual benefits coupled with a HSA to pay for expenses that are not covered by the plan. It comes with a program called 360° Health® that helps you to arrive at informed health care choices, discounts for your health care, guidance to achieve your wellness goals and health management support for members with chronic health conditions. This affordably priced HSA plan includes in-network preventative wellness related visits, general physicals, mammograms, immunizations, prostate exams and any other wellness related services, and ensures great out-of-pocket savings. &lt;br&gt;&lt;br /&gt;You could also go in for Aetna’s HSA compatible Advantage Preventive and Hospital Care 3000 Plan if you want to benefit from low monthly payments. This would, of course, mean higher out-of-pocket expenses. You can see any leading healthcare provider, though costs would be higher if the provider is not in Aetna’s network&lt;br&gt;&lt;br /&gt;Humana one’s HSA-Qualified High Deductible Health Plan (HDHP) offer several attractive features and benefits – a choice of deductibles so that you get the insurance you need at an affordable price, large network coverage, portability and discounts on eye care. Coinsurance, preventive care, physician services, facility services, prescription drug, other medical services, lifetime maximum benefit, mental health, chemical and alcohol dependency are covered. Optional benefits such as supplemental accident insurance are available for an additional cost.&lt;br&gt;&lt;br&gt;&lt;br /&gt;&lt;b&gt;Expert Guidance is Important&lt;/b&gt;&lt;br&gt;&lt;br /&gt;When it comes to choosing an individual &lt;b&gt; &lt;a href=&quot;http://www.kyfreehealthquotes.com&quot;&gt;health insurance plan&lt;/a&gt; &lt;/b&gt;with the HSA advantage to meet your needs, it is advisable to seek expert guidance from insurance agents who know all the pros and cons. Their websites offer the opportunity to get free quotes, compare them and also chat live on queries that you may have. &lt;br&gt;&lt;br /&gt;&amp;nbsp;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/7607358949795273731/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/12/kentucky-individual-health-insurance.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/7607358949795273731'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/7607358949795273731'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/12/kentucky-individual-health-insurance.html' title='&lt;p&gt;&lt;b&gt;Kentucky Individual Health Insurance – The HSA Advantage &lt;/b&gt;&lt;/p&gt;'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-1028884644268012142</id><published>2010-12-08T00:17:00.000-08:00</published><updated>2010-12-08T00:22:57.120-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="healthinsuranceKentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="individualhealthinsuranceKentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="individualKentuckyhealthinsurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentuckyhealthinsurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentuckyindividualhealthinsurance"/><category scheme="http://www.blogger.com/atom/ns#" term="KYindividualhealthinsurance"/><title type='text'>Kentucky Individual Health Insurance at Affordable Rates</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxdj3xxzMiO0t0RmoO1nksb2NkHnC3TGKTD94laKriUmkpIleL90G_Xh-LX0ZPSvFVAMO8dLn0lpvEdtzqVW_mk5hnKJ1hUJhdf45djw_cok7RnuPaid8qFYqJZKd7JMhJ7sE0QZO4pew/s1600/kentucky-individual-health-insurance.jpg&quot;&gt;&lt;img style=&quot;float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 320px; height: 191px;&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxdj3xxzMiO0t0RmoO1nksb2NkHnC3TGKTD94laKriUmkpIleL90G_Xh-LX0ZPSvFVAMO8dLn0lpvEdtzqVW_mk5hnKJ1hUJhdf45djw_cok7RnuPaid8qFYqJZKd7JMhJ7sE0QZO4pew/s320/kentucky-individual-health-insurance.jpg&quot; border=&quot;0&quot; alt=&quot;&quot;id=&quot;BLOGGER_PHOTO_ID_5548223304395277010&quot; /&gt;&lt;/a&gt;The Patient Protection and Affordable Care Act, 2010 goes a long way in making health insurance affordable for millions of Americans. So it is now easier to find &lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-individual-health-insurance.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky individual health insurance&lt;/span&gt;&lt;/a&gt; at affordable rates. However, it is always an advantage to get professional help as a reliable agent can tell you about your best options. &lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Affordable Individual Health Insurance Plans&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Insurance providers offer indemnity and managed health care plans. Indemnity plans allow you to manage your own healthcare. You can see any doctor you want. You pay upfront for services and your insurance company meets your claims later at a fixed rate. In the case of managed care, you have a choice of Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO) and Point-of-Service (POS) plans. The health insurance provider collaborates with hospitals and doctors to provide members health care services at fixed rates. Managed care is affordable as they mean lower out-of-pocket costs than an indemnity plan. &lt;br /&gt;&lt;br /&gt;When choosing a &lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance-plans.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance plan&lt;/span&gt;&lt;/a&gt;, consider factors like services offered, choice of providers and their location besides cost. You have to be certain that your plan will provide you the services you are looking for and how your plan will pay for them. &lt;br /&gt;&lt;br /&gt;Some of the ways in which new legislation is working towards making individual health insurance more affordable are:&lt;br /&gt;&lt;br /&gt;• Health insurance companies cannot deny coverage to children with pre-existing conditions or use rescission to cancel policies retroactively&lt;br /&gt;• Annual and lifetime caps on the amount carriers will pay to cover health care expenses will be phased out&lt;br /&gt;• Children can stay in their parents’ health plan up to age 26&lt;br /&gt;• Immediate relief for seniors who reach the &quot;donut hole&quot; (the gap in their Medicare prescription drug benefit coverage)&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Rely on Professional Assistance &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;If you are buying &lt;a href=&quot;http://www.kyfreehealthquotes.com&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance&lt;/span&gt;&lt;/a&gt; this year or considering a change to a new plan, the most advisable option is to seek professional assistance. Reliable health insurance agents in Kentucky can help you compare different health insurance plans and their costs. The websites are the best place to check out the available options, get free, instant quotes and find Kentucky individual health insurance at affordable rates.</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/1028884644268012142/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/12/kentucky-individual-health-insurance-at.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/1028884644268012142'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/1028884644268012142'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/12/kentucky-individual-health-insurance-at.html' title='Kentucky Individual Health Insurance at Affordable Rates'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxdj3xxzMiO0t0RmoO1nksb2NkHnC3TGKTD94laKriUmkpIleL90G_Xh-LX0ZPSvFVAMO8dLn0lpvEdtzqVW_mk5hnKJ1hUJhdf45djw_cok7RnuPaid8qFYqJZKd7JMhJ7sE0QZO4pew/s72-c/kentucky-individual-health-insurance.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-3933625933404849850</id><published>2010-11-28T23:43:00.000-08:00</published><updated>2010-11-28T23:46:29.077-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="individual health insurance kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="individual health insurance ky"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky Individual Health Insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Ky individual health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Ky medical insurance"/><title type='text'>KY Individual Health Insurance</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3_JitVcjrr9vfVldtihMtjuxo4wthxkHKWRfJhN5YY-CLrR7H6jgY8YiSY0V71riSEXTUE-PyQneL5SlumrG78q1CxfB3LvNF9QsdkPnghtAWxJ1q_ZYYxZnJHgM32WYN8G4Bm1XKJNw/s1600/kentucky-individual-health-insurance.jpg&quot;&gt;&lt;img style=&quot;float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 320px; height: 191px;&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3_JitVcjrr9vfVldtihMtjuxo4wthxkHKWRfJhN5YY-CLrR7H6jgY8YiSY0V71riSEXTUE-PyQneL5SlumrG78q1CxfB3LvNF9QsdkPnghtAWxJ1q_ZYYxZnJHgM32WYN8G4Bm1XKJNw/s320/kentucky-individual-health-insurance.jpg&quot; border=&quot;0&quot; alt=&quot;&quot;id=&quot;BLOGGER_PHOTO_ID_5544874773972193282&quot; /&gt;&lt;/a&gt;Individual health insurance represents coverage for a single individual, a parent and dependent children, or a family. Insurance companies offer a plethora of KY individual health insurance plans and choosing the right one can prove quite daunting if you don’t go about it in a professional manner. &lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;KY Individual Health Insurance – Important Considerations &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href=&quot; http://www.kyfreehealthquotes.com&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance&lt;/span&gt;&lt;/a&gt; companies offer HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization) plans at competitive rates. While HMOs work through an in-network provider, PPOs work through a group of hospitals, physicians, and other providers who contract with an insurance company to provide health care services to members at a predetermined rate. Though members can see physicians and hospitals out of the insurance company&#39;s network with a PPO, these visits would mean they have higher out-of-pocket costs.&lt;br /&gt;&lt;br /&gt;Your health insurance agent will help you get free quotes from leading health insurance providers in Kentucky like Humana, Anthem Blue Cross Blue Shield and more. Important considerations that you have to work out with your agent’s help when choosing an individual health insurance plan include the benefits of the plans, costs including monthly premiums, annual deductibles, and copays, and enrollment periods. &lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Individual Health Insurance in Kentucky - Reform Benefits &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;The Patient Protection and Affordable Care Act offer several immediate Kentucky individual health insurance benefits. Important among these are:&lt;br /&gt;&lt;br /&gt;• Medicare beneficiaries in Kentucky who hit the donut hole this year receive a one-time $250 rebate check. Additional discounts for seniors on Medicare will continue in the years ahead and till the donut hole is closed by 2020&lt;br /&gt;• New consumer protections in the insurance market&lt;br /&gt;• No lifetime limits on the coverage that insurance companies provide&lt;br /&gt;• No drop from insurance coverage if an individual gets sick&lt;br /&gt;• No exclusion of children from coverage because of a pre-existing condition&lt;br /&gt;• Children remain on their parents’ policy until they turn 26 (unless they have other options) &lt;br /&gt;• Affordable insurance for uninsured with pre-existing conditions&lt;br /&gt;  &lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;  &lt;br /&gt;Contact a Reliable Agent&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;With so much happening on the &lt;a href=&quot; http://www.kyfreehealthquotes.com/kentucky-individual-health-insurance.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;KY individual health insurance&lt;/span&gt;&lt;/a&gt; scene, your best option would be to get in touch with an experienced agent for advice on getting a budget-friendly individual health plan to meet your needs.</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/3933625933404849850/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/11/ky-individual-health-insurance.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/3933625933404849850'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/3933625933404849850'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/11/ky-individual-health-insurance.html' title='KY Individual Health Insurance'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3_JitVcjrr9vfVldtihMtjuxo4wthxkHKWRfJhN5YY-CLrR7H6jgY8YiSY0V71riSEXTUE-PyQneL5SlumrG78q1CxfB3LvNF9QsdkPnghtAWxJ1q_ZYYxZnJHgM32WYN8G4Bm1XKJNw/s72-c/kentucky-individual-health-insurance.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-634316186408214207</id><published>2010-11-24T18:18:00.000-08:00</published><updated>2010-11-24T18:24:03.958-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="individual health insurance ky"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky medical insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Ky medical insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="medical insurance Kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="medical insurance ky"/><title type='text'>Kentucky Medical Insurance – Finding Affordable Coverage</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBZ_oNrtHXlHrSjuIe33CrwhMyAhMQnLPIjpP5CGrnnzakgP6Y7leLngwJWNWX1JvnSUoUBJzozFO7xkaz78YnT93hvG38cXMm3qCbHbP44PYtW1tMdOIrkFku71w0gnCumQYEXKlcffE/s1600/kentucky-medical-insurance.jpg&quot;&gt;&lt;img style=&quot;float:left; margin:0 10px 10px 0;cursor:pointer; cursor:hand;width: 320px; height: 213px;&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBZ_oNrtHXlHrSjuIe33CrwhMyAhMQnLPIjpP5CGrnnzakgP6Y7leLngwJWNWX1JvnSUoUBJzozFO7xkaz78YnT93hvG38cXMm3qCbHbP44PYtW1tMdOIrkFku71w0gnCumQYEXKlcffE/s320/kentucky-medical-insurance.jpg&quot; border=&quot;0&quot; alt=&quot;&quot;id=&quot;BLOGGER_PHOTO_ID_5543307014074139266&quot; /&gt;&lt;/a&gt;&lt;br /&gt;Finding a suitable Kentucky medical insurance plan means carefully weighing your options. The best way to do this is to examine quotes from different insurance companies, compare them and then choose the policy that best suits your needs. &lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Affordable Medical Insurance Coverage - Important Considerations&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Things that you need to consider when buying &lt;a href=&quot; http://www.kyfreehealthquotes.com/kentucky-medical-insurance.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky medical insurance&lt;/span&gt;&lt;/a&gt; are: services covered by the plan, deductibles, copayments, provider network, and coverage for pre-existing conditions. You have a choice of HMO, PPO, and POS plans that are part of managed care. As compared to managed care, you get a greater choice of healthcare providers with indemnity plans. &lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Individual and Family Health Insurance&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Family health insurance comes under individual coverage. &lt;a href=&quot; http://www.kyfreehealthquotes.com&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Individual health insurance&lt;/span&gt;&lt;/a&gt; is that for which you pay an amount to cover your family. Such plans, if purchased on your own, can be customized to meet your family’s needs. Individual health insurance is affordable if purchased when you are young and healthy. Going in for a High Deductible Health Plan (HDHPs) is a good option as it offers lower premiums and higher deductibles than traditional plans. Combining your HDHP with a Health Savings Account (HSA) makes it very affordable. An HSA is a tax-free account in which funds are set aside to pay for routine healthcare including office visits, prescription drugs and lab tests.&lt;br /&gt;&lt;br /&gt;Anthem Blue Cross Blue Shield and Humana offer affordable Kentucky health insurance plans designed specifically for individuals and their families. According to recent legislation, children can stay on their parents’ health insurance plan till the age of 26. Other benefits come in form of providing coverage to children under the age of 19 with pre-existing conditions, and banning insurers from placing annual limits below $750,000 in coverage for emergency services, prescription drugs, and maternity.&lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Group Health Insurance&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Group health insurance is generally employer-sponsored health insurance. A group plan includes coverage for pre-existing conditions. The premium for group health insurance is lower for each individual when a large number of individuals are enrolled in the plan. The health of each individual enrolled in the plan has no effect on the premium. However, such plans are not customizable. Health insurance companies also offer affordable coverage for students in the group health plans in their school or university.</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/634316186408214207/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/11/kentucky-medical-insurance-finding.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/634316186408214207'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/634316186408214207'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/11/kentucky-medical-insurance-finding.html' title='Kentucky Medical Insurance – Finding Affordable Coverage'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBZ_oNrtHXlHrSjuIe33CrwhMyAhMQnLPIjpP5CGrnnzakgP6Y7leLngwJWNWX1JvnSUoUBJzozFO7xkaz78YnT93hvG38cXMm3qCbHbP44PYtW1tMdOIrkFku71w0gnCumQYEXKlcffE/s72-c/kentucky-medical-insurance.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-6274310544136357587</id><published>2010-11-12T17:31:00.000-08:00</published><updated>2010-11-12T17:36:23.890-08:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="individual health insurance kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="individual health insurance ky"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky Individual Health Insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="ky health insurance."/><category scheme="http://www.blogger.com/atom/ns#" term="Ky individual health insurance"/><title type='text'>Affordable Kentucky Individual Health Insurance</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi01hxbn4iHhoLBhKnB64AHr6BC8hyphenhyphen5HwJZvPYw7H9xzQcyzOD2TfC2G60lSA5jaeulaAfI8pcQD2ufzsYeJGB8kxF5Z9-CEKd95frfEjmQLPPcdqZMN92FNBqBiF-n-3JBhVpZLWYA9Ek/s1600/kentucky-individual-health-insurance.jpg&quot;&gt;&lt;img style=&quot;float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 320px; height: 191px;&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi01hxbn4iHhoLBhKnB64AHr6BC8hyphenhyphen5HwJZvPYw7H9xzQcyzOD2TfC2G60lSA5jaeulaAfI8pcQD2ufzsYeJGB8kxF5Z9-CEKd95frfEjmQLPPcdqZMN92FNBqBiF-n-3JBhVpZLWYA9Ek/s320/kentucky-individual-health-insurance.jpg&quot; border=&quot;0&quot; alt=&quot;&quot;id=&quot;BLOGGER_PHOTO_ID_5538842008370067234&quot; /&gt;&lt;/a&gt;Most Kentucky residents get health insurance through an employer-sponsored group health plan. If you do not come under such a plan, that’s when you should consider finding affordable Kentucky individual health insurance to cover yourself and your family. Individual and family health insurance plans are available for newborns on up to the seniors at age 65, self-employed and unemployed persons and students. &lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Selecting an Affordable Health Insurance Plan &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Insurance companies offer different kinds of private &lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-individual-health-insurance.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;individual health insurance plans&lt;/span&gt;&lt;/a&gt; for Kentucky residents. These include indemnity health insurance (fee-for-service), HMO (health maintenance organization) plans, PPO (preferred provider organization) plans, POS (point-of-service) plans, and HSA (health savings account) plans. A greater choice of doctors and hospitals usually means that a plan will cost more. &lt;br /&gt;&lt;br /&gt;Leading insurance companies offering affordable health insurance in Kentucky include Humana, Blue Cross Blue Shield, Aetna and United. They offer various kinds of policies depending on the kind of coverage you need and the state of your health. A health plan would cost more for a person with health issues. However, according to recent legislation, individuals cannot be denied health insurance because of a pre-existing condition.&lt;br /&gt;&lt;br /&gt;The best way to find an affordable Kentucky health plan is first see how much premium you can afford to pay and then look for a plan that meets your budget as well as the health needs of your family. You need to compare the quotes for the plans from various health insurance companies. Premiums differ for different kinds of individual health plans. Besides traditional health coverage and HSA-qualified High Deductible Health Plans, it would be helpful if there is a provision to add on optional benefits such as dental, life and supplemental accident coverage for an additional cost.&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Get Professional Advice&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Professional companies that represent leading insurance providers in Kentucky offer expert guidance on selecting the right kind of health insurance plan. They can help you get quotes and compare them to get affordable individual &lt;a href=&quot;http://www.kyfreehealthquotes.com&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance&lt;/span&gt;&lt;/a&gt;.</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/6274310544136357587/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/11/affordable-kentucky-individual-health.html#comment-form' title='1 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/6274310544136357587'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/6274310544136357587'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/11/affordable-kentucky-individual-health.html' title='Affordable Kentucky Individual Health Insurance'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi01hxbn4iHhoLBhKnB64AHr6BC8hyphenhyphen5HwJZvPYw7H9xzQcyzOD2TfC2G60lSA5jaeulaAfI8pcQD2ufzsYeJGB8kxF5Z9-CEKd95frfEjmQLPPcdqZMN92FNBqBiF-n-3JBhVpZLWYA9Ek/s72-c/kentucky-individual-health-insurance.jpg" height="72" width="72"/><thr:total>1</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-3376171341860074720</id><published>2010-11-01T00:46:00.000-07:00</published><updated>2010-11-01T00:54:24.778-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky medical insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Ky medical insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="medical insurance Kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="medical insurance ky"/><title type='text'>Kentucky Medical Insurance – Comprehensive and Affordable</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9QSdPtP5rJRiOmlQSeMunJ1McJ_7hYKq6-W6c1y-UCqmaL3GARSDZL_pa7oHk8-ss7x9IOZ7EhJpF_3hqkpdj7haNKoa3nS2RUcXioq5USBaFK_hB5ccoFDIrcrjcCE1GRnU4MAJ6a5I/s1600/kentucky-medical-insurance.jpg&quot;&gt;&lt;img style=&quot;float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 320px; height: 213px;&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9QSdPtP5rJRiOmlQSeMunJ1McJ_7hYKq6-W6c1y-UCqmaL3GARSDZL_pa7oHk8-ss7x9IOZ7EhJpF_3hqkpdj7haNKoa3nS2RUcXioq5USBaFK_hB5ccoFDIrcrjcCE1GRnU4MAJ6a5I/s320/kentucky-medical-insurance.jpg&quot; border=&quot;0&quot; alt=&quot;&quot;id=&quot;BLOGGER_PHOTO_ID_5534485592022379954&quot; /&gt;&lt;/a&gt;Kentucky medical insurance companies offer a whole range of comprehensive and affordable plans for individuals, families, small business, self-employed, students and people who need temporary coverage. Finding the right plan means comparing the options offered by the various providers. The best way to go about this is to use the online resources offered by reliable insurance agents. &lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Types of Kentucky Medical Insurance&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href=&quot; http://www.kyfreehealthquotes.com&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance&lt;/span&gt;&lt;/a&gt; includes indemnity (fee for service), HMO (Health Maintenance Organization), PPO (Preferred Provider Organization) and POS (Point of Service) plans. With indemnity plans, you have a greater choice of health providers, though you may have to pay your bill upfront and claim reimbursement from your health insurance company later. The features of managed care plans are as follows:&lt;br /&gt;&lt;br /&gt;• HMO plans are a preferred choice as they have low premiums. They provide service through a network of doctors, medical personnel and facilities that work directly for the HMO. You can select your primary care physician who would refer you to other providers in the network if necessary. &lt;br /&gt;&lt;br /&gt;• With a PPO plan, your medical bills are fully covered if you see a doctor or hospital in the network. You are provided basic medical care and would have pay fixed monthly premiums.&lt;br /&gt;&lt;br /&gt;• In the POS plan, you see a doctor in the network and he would refer you to other in-network physicians if needed.  However, there could be a deductible for non-network care, and co-payments could be quite high.  &lt;br /&gt;&lt;br /&gt;A High Deductible Health Plan (HDHP) which features lower premiums but higher deductibles than a traditional plan are useful when combined with a Health Savings Account (HSA). Benefits include catastrophic coverage plus a tax-free savings account to save money for routine medical expenses.&lt;br /&gt;&lt;br /&gt;HumanaOne and Anthem Blue Cross Blue Shield offer several affordable and flexible Kentucky medical insurance plans. Offering customized solutions, they allow you to add on supplemental accident benefits and dental benefits at an additional cost.&lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Professional Help to Choose the Right Plan&lt;/span&gt; &lt;br /&gt;&lt;br /&gt;Getting in touch with a competent insurance agent would help you in your search for &lt;a href=&quot; http://www.kyfreehealthquotes.com/kentucky-medical-insurance.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky medical insurance&lt;/span&gt;&lt;/a&gt;. Offering expert online guidance and facilities to get and compare free quotes from leading insurance providers, such assistance is indispensable when it comes to reducing costs without compromising quality.</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/3376171341860074720/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/11/kentucky-medical-insurance.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/3376171341860074720'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/3376171341860074720'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/11/kentucky-medical-insurance.html' title='Kentucky Medical Insurance – Comprehensive and Affordable'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9QSdPtP5rJRiOmlQSeMunJ1McJ_7hYKq6-W6c1y-UCqmaL3GARSDZL_pa7oHk8-ss7x9IOZ7EhJpF_3hqkpdj7haNKoa3nS2RUcXioq5USBaFK_hB5ccoFDIrcrjcCE1GRnU4MAJ6a5I/s72-c/kentucky-medical-insurance.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-6776573076107444011</id><published>2010-10-25T21:55:00.000-07:00</published><updated>2010-10-25T22:22:17.782-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="affordable dental insurance kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="denatl insurance in kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="dental insurance Kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky dental insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="ky dental insurance"/><title type='text'>Affordable Dental Insurance Plans in Kentucky</title><content type='html'>Dental insurance works the same way as health insurance does. In other words, as in the case of general health insurance, you can choose from indemnity and managed care plans for your dental needs. While many employers now offer their staff dental coverage, individuals who are not covered at the workplace can also get affordable dental insurance. &lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Affordable Dental Insurance Options for Kentucky Residents&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Keeping you smile healthy is not as simple as it sounds. Professional dental care and treatment is expensive. So whether you are looking for individual or group dental insurance coverage you need to find an affordable dental insurance plan. Kentucky residents can choose from indemnity and managed care plans.&lt;br /&gt;• Indemnity plans offer a broader selection of dental care providers than managed-care plans, but mean higher out-of-pocket costs. &lt;br /&gt;• In managed-care plans, dentists participating in provider networks provide treatment at pre-negotiated rates. &lt;br /&gt;&lt;br /&gt;When you buy a dental insurance plan, you pay a monthly premium that entitles you to care that includes basic dental treatment, x-rays, cleanings, regular checkups, and certain services that promote general dental health. Some plans cover even dental surgery, denture work, orthodontia, and other expensive dental procedures.&lt;br /&gt;&lt;br /&gt;&lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-dental-insurance.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Affordable dental insurance plans&lt;/span&gt;&lt;/a&gt; for Kentucky residents include the following benefits:&lt;br /&gt;• Choice of dentist with discounts for in-network dentists&lt;br /&gt;• Coverage with dentists both in and outside the network&lt;br /&gt;• Coverage for most-used services plus choice of dentist&lt;br /&gt;• Coverage of in-network services only, with stress on preventive care&lt;br /&gt;• Cost-effective plans with emphasis on prevention&lt;br /&gt;&lt;br /&gt;Some insurance companies like Humana One have &lt;a href=&quot;http://www.kyfreehealthquotes.com&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;health insurance plans&lt;/span&gt; &lt;/a&gt;that include dental insurance, but also offer independent individual dental plans. Anthem Blue Cross Blue Shield offers plans offering full coverage for diagnostic and preventive care as well as a fixed amount for basic and major dental services with providers in the company’s network. Many compnaies offer the option to add dental to your general health insurance plan. &lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Buying Dental Insurance&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;When you buy a dental insurance plan, make sure that you know what benefits you are getting. The best way to understand the fine print is to contact a reliable insurance agent representing insurance companies that offer affordable dental insurance plans in Kentucky. Visit the agent website to get free quotes and expert guidance on all your dental insurance needs.</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/6776573076107444011/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/10/affordable-dental-insurance-plans-in.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/6776573076107444011'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/6776573076107444011'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/10/affordable-dental-insurance-plans-in.html' title='Affordable Dental Insurance Plans in Kentucky'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-4437975589861327001</id><published>2010-10-20T22:44:00.000-07:00</published><updated>2010-10-20T22:45:31.521-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="health insurance kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky health insurance plan"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky medical insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><title type='text'>Anthem Blue Cross and Blue Shield in Kentucky ranked as top private insurer in state, according to National Committee for Quality Assurance</title><content type='html'>The National Committee for Quality Assurance Health Insurance Plan Rankings 2010-2011-Private ranked Anthem Blue Cross and Blue Shield in Kentucky as the top private health plan in the state.&lt;br /&gt;&lt;br /&gt;NCQA&#39;s Health Insurance Plan Rankings analyzed consumer satisfaction, prevention and treatment in 227 health plans nationally, including eight health plans in Kentucky.&lt;br /&gt;&lt;br /&gt;This year, more than one-third of the plan&#39;s clinical scores, or HEDIS scores, improved, including an increase in breast cancer screening. Last year, automated phone call reminders were sent to women 40-69 years of age who were not up do date with their breast, cervical or colorectal cancer screening.&lt;br /&gt;&lt;br /&gt;To be eligible for rankings, health plans must authorize public release of their performance information and submit enough data for statistically valid analysis. NCQA&#39;s Health Insurance Plan Rankings 2010-2011-Private used NCQA&#39;s established rankings methodology, which has been used and widely recognized since 2005. Among the national rankings, Anthem Blue Cross and Blue Shield earned an 88 rating.&lt;br /&gt;&lt;br /&gt;&quot;The rankings provide customers with an important tool in evaluating health plans,&quot; said Deb Moessner, president, Anthem Blue Cross and Blue Shield in Kentucky.  &quot;If there was ever truly a &#39;team honor&#39;, this is it.  Anthem&#39;s 1,200 associates come to work each day with the sole intent of supporting the health needs of our members. This recognition belongs to all of them.&quot;  &lt;br /&gt;&lt;br /&gt;Anthem Blue Cross and Blue Shield in Kentucky currently holds Excellent Accreditation for its HMO/POS plan and has earned Quality Plus Distinction in Care Management and Health Improvement.</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/4437975589861327001/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/10/anthem-blue-cross-and-blue-shield-in.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/4437975589861327001'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/4437975589861327001'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/10/anthem-blue-cross-and-blue-shield-in.html' title='Anthem Blue Cross and Blue Shield in Kentucky ranked as top private insurer in state, according to National Committee for Quality Assurance'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-5851274320739528183</id><published>2010-10-18T21:22:00.000-07:00</published><updated>2010-10-21T19:38:50.819-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="health insurance kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky health insurance plan"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky medical insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><title type='text'>Affordable Kentucky Health Insurance Plan</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3Go8_SA2ZEIlS_kSgzaUUIKOTrsumFugtkCmDdIG7jebO5QaQUrzYncgBhIKIXk0mipi9jvgNIrvXD2W6Rw-udCovDP2DteqWYPqc1VEqk31CwnBvMVsSzmh_3ykBF4O93OpKNEFApyg/s1600/kentucky-health-insurance-plans.jpg&quot;&gt;&lt;img style=&quot;float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 320px; height: 240px;&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3Go8_SA2ZEIlS_kSgzaUUIKOTrsumFugtkCmDdIG7jebO5QaQUrzYncgBhIKIXk0mipi9jvgNIrvXD2W6Rw-udCovDP2DteqWYPqc1VEqk31CwnBvMVsSzmh_3ykBF4O93OpKNEFApyg/s320/kentucky-health-insurance-plans.jpg&quot; border=&quot;0&quot; alt=&quot;&quot;id=&quot;BLOGGER_PHOTO_ID_5529608344522244770&quot; /&gt;&lt;/a&gt;&lt;br /&gt;If you are looking for an affordable &lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-plans.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance plan&lt;/span&gt;&lt;/a&gt;, you need to carefully consider the various options available before you decide on which one is right for you. Whether you are looking for individual or family coverage or a short-term affordable plan, leading insurance providers have various options to suit your needs. Your aim should be to find a plan that serves your needs and at the same time, is within your budget. &lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky Health Insurance – Compare Options&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;To decide on the health plan that is best suited to your needs and budget, it is advisable to compare the various affordable options offered by health insurance companies like Anthem Blue Cross Blue Shield and Humana. &lt;br /&gt;&lt;br /&gt;Anthem’s SmartSense is a plan with affordable premiums covering medical services as well as wellness visits, but not maternity benefits or brand drugs. Lumenos HSA, another affordable option from Anthem, includes a Health Savings Account apart from the traditional benefits. A HSA or health savings account has two components: a health insurance portion that covers medical and prescription costs, and a tax-exempt savings account in which you can set aside funds to pay for future health costs. &lt;br /&gt;&lt;br /&gt;Humana’s HumanaOne Monogram is another affordable option. This low premium, high deductible plan covers unforeseen medical emergencies.  HumanaOne Autograph offers options to balance the cost of the premium and coverage, and includes up to six covered in-network annual office visits. Benefits like dental, life and supplemental accident coverage can be included in these plans for an additional cost&lt;br /&gt;&lt;br /&gt;Whichever plan you choose, remember that a healthy lifestyle is important for a low premium. &lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Online Help to Find an Affordable Plan&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;One of the best ways to compare options and find a suitable health insurance plan is to search online. The search engine results for &lt;a href=&quot;http://www.kyfreehealthquotes.com/&quot;&gt;‘&lt;span style=&quot;font-weight:bold;&quot;&gt;Affordable Kentucky Health Insurance Plan&lt;/span&gt;’&lt;/a&gt; would help you find, examine and compare various policies from different companies. The websites of independent agents are also ideal places to look for affordable health plans in Kentucky. Just call a reliable agent for valuable advice on finding a suitable health plan for you and your family.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;9CRTMXTKQ39E</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/5851274320739528183/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/10/affordable-kentucky-health-insurance.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/5851274320739528183'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/5851274320739528183'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/10/affordable-kentucky-health-insurance.html' title='Affordable Kentucky Health Insurance Plan'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh3Go8_SA2ZEIlS_kSgzaUUIKOTrsumFugtkCmDdIG7jebO5QaQUrzYncgBhIKIXk0mipi9jvgNIrvXD2W6Rw-udCovDP2DteqWYPqc1VEqk31CwnBvMVsSzmh_3ykBF4O93OpKNEFApyg/s72-c/kentucky-health-insurance-plans.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-2441363429190664814</id><published>2010-10-10T23:37:00.000-07:00</published><updated>2010-10-10T23:42:40.987-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="kentucky affordable health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health plan"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky insurance plan"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><title type='text'>U.S. Healthcare Reform – Revamping for the Future of Healthcare in the US</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;http://www.kyfreehealthquotes.com/images/medicare.jpg&quot;&gt;&lt;img style=&quot;float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 395px; height: 180px;&quot; src=&quot;http://www.kyfreehealthquotes.com/images/medicare.jpg&quot; border=&quot;0&quot; alt=&quot;&quot; /&gt;&lt;/a&gt;&lt;br /&gt;The healthcare system in America is going through a process of massive reform which aims to restructure state-sponsored and non-government programs and offer competitive health insurance in the open-market. Achieving these goals mean bringing about changes in healthcare delivery, programs, administration and the responsibilities of providers, physicians and patients as well as Malpractice Insurance Reform.&lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Changes We Will See&lt;/span&gt;&lt;br /&gt;Starting September 23, 2010, the first year of healthcare reform addresses some of the most widely prevalent coverage issues:&lt;br /&gt;• Lifetime coverage limits have ceased to exist and annual limits are restricted.&lt;br /&gt;• Insurance companies cannot cancel your coverage because you get sick.&lt;br /&gt;• Insurance plans have to grant coverage to children with pre-existing conditions.&lt;br /&gt;• Young adults up to age 26 ( and even higher in some states)can remain on their parents’ health insurance plan, married or not.&lt;br /&gt;• Medicare prescription drug beneficiaries get a rebate to cover gaps in payment.&lt;br /&gt;• Medicare enrollees will get free annual wellness visits and personalized prevention services.&lt;br /&gt;• Small businesses get a tax credit to help provide coverage for workers.&lt;br /&gt;• States will get assistance to expand the Children’s Health Insurance Program, establish treatment effectiveness and review health workforce needs.&lt;br /&gt;• Community health centers will provide low-cost health care.&lt;br /&gt;• Starting 2011, overpayments to insurance companies will be frozen and phased down in the years to come. Most of the payments that people make to insurance companies through Medicare Advantage will go towards their care rather than insurance company profits.&lt;br /&gt;&lt;br /&gt;Starting 2012, models for healthcare litigation reform and to establish best practices will be set in motion. A national pilot program for Medicare will effect payment bundling so that doctors, hospitals and other care providers can better coordinate patient care. 2013 will see greater transparency in financial relationships among health entities like hospitals, physicians, pharmacists and providers of pharmaceuticals, devices, medical supplies.&lt;br /&gt;&lt;br /&gt;In 2014, all American citizens and legal residents will be required to have insurance and to pay a fine if they do not. States will set up &lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;a href=&quot;http://www.kyfreehealthquotes.com&quot;&gt;health insurance&lt;/a&gt;&lt;/span&gt; exchanges for small businesses and individuals, although more competitive plans will probably be more complete and affordable in the open-market. Companies with more than 200 workers will be required to have an employee health plan. Employers will get tax benefits for providing insurance. Businesses with 100 employees or fewer can offer them insurance through the state’s exchange or a health insurance pool or in the open-market.&lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Insurance Providers – Focus on Compliance&lt;/span&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;a href=&quot;http://kyfreehealthquotes.com&quot;&gt;Insurance companies in the U.S.&lt;/a&gt;&lt;/span&gt; are focusing on achieving compliance with the new legislation. They are busy working on updating plans to meet the new requirements and to offer people the healthcare benefits that the state intends them to have. Insurance companies are doing their bit to educate their customers and healthcare providers in their network on the new scenario so that they can find the way forward.</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/2441363429190664814/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/10/us-healthcare-reform-revamping-for.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/2441363429190664814'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/2441363429190664814'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/10/us-healthcare-reform-revamping-for.html' title='U.S. Healthcare Reform – Revamping for the Future of Healthcare in the US'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-7139358474276564059</id><published>2010-10-04T23:03:00.000-07:00</published><updated>2010-10-04T23:06:38.873-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="health insurance in Kentucky"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky affordable health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance plans"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky medical insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><title type='text'>Kentucky Health Insurance Providers</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLVEhhtk4qTB4BXIeVI0WAMGTqa_xl7V0umYiDfOxOyRWnmtchy-wQ-F0Cg5onQbNEB422OsfmkGGkkMh3kRoGT_OXpzqack-AYsxvsMp1frh2Npo_tmtGE7IQ6dTm87jCVZ4Vboz-2bY/s1600/health-insurance-in-kentucky.jpg&quot;&gt;&lt;img style=&quot;float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 320px; height: 215px;&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLVEhhtk4qTB4BXIeVI0WAMGTqa_xl7V0umYiDfOxOyRWnmtchy-wQ-F0Cg5onQbNEB422OsfmkGGkkMh3kRoGT_OXpzqack-AYsxvsMp1frh2Npo_tmtGE7IQ6dTm87jCVZ4Vboz-2bY/s320/health-insurance-in-kentucky.jpg&quot; border=&quot;0&quot; alt=&quot;&quot;id=&quot;BLOGGER_PHOTO_ID_5524439288994643202&quot; /&gt;&lt;/a&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance providers&lt;/span&gt; focus on delivering affordable health insurance solutions for individuals, families and businesses in the state. Providers vie with each other to offer customers personalized service, competitive rates and a wide range of products and services, though all &lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance-providers.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance&lt;/span&gt;&lt;/a&gt; is regulated by law.. Online sites that represent leading health insurance companies are the best place to look for a Kentucky health insurance plan. They provide quotes for various plans and also the resources necessary to choose the right plan. &lt;br /&gt;&lt;br /&gt;In Kentucky, all health insurance companies have to offer the same standard health benefit plan. Individual insurance coverage depends on factors like health, age, postal zip code of residence, and lifestyle specifics. Kentucky health insurance providers can deny the application for an individual policy based on the status of a person’s health, though not if the person comes under a group or employer plan.&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Health Insurance Coverage Options &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Leading health insurance companies like Humana and Anthem Blue Cross Blue Shield offer a variety of Kentucky health plans, including PPO, HMO, and POS. Normally, HMO policies involve just a copay and are very affordable.&lt;br /&gt;&lt;br /&gt;Humana’s multiple coverage ranges from plans covering the basic necessities to those that include specialists and prescriptions, and dental, term life and Medicare Supplement coverage. Anthem Blue Cross and Blue Shield plans offer similar options as well as coverage for preventive care and safeguards against high medical bills. &lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Choosing a Health Insurance Provider in Kentucky &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;If you are buying &lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;a href=&quot; http://kyfreehealthquotes.com/&quot;&gt;Kentucky health insurance &lt;/a&gt;&lt;/span&gt;for the first time or wish to switch plans or providers, it is best to seek professional help. Websites representing health insurance companies offer all the guidance you need to choose a health insurance provider and an ideal health plan. Services offered include: &lt;br /&gt;&lt;br /&gt;• Free instant online quotes and expert assistance to compare plans&lt;br /&gt;• Professional guidance to choose the right plan by considering summary of benefits, costs, annual deductibles, copays, enrollment periods, and more&lt;br /&gt;• Personalized solutions &lt;br /&gt;• Support through the application process and coverage period.&lt;br /&gt;&lt;br /&gt;Most of these representative firms have years of experience and are not paid by commission. They can therefore offer an unbiased opinion about Kentucky health insurance providers and their coverage options.&lt;br /&gt;&lt;br /&gt;&lt;a href=&quot; http://www.kyfreehealthquotes.com/kentucky-health-insurance-providers.htm&quot;&gt;&lt;br /&gt;http://www.kyfreehealthquotes.com/kentucky-health-insurance-providers.htm&lt;/a&gt;</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/7139358474276564059/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/10/kentucky-health-insurance-providers.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/7139358474276564059'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/7139358474276564059'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/10/kentucky-health-insurance-providers.html' title='Kentucky Health Insurance Providers'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLVEhhtk4qTB4BXIeVI0WAMGTqa_xl7V0umYiDfOxOyRWnmtchy-wQ-F0Cg5onQbNEB422OsfmkGGkkMh3kRoGT_OXpzqack-AYsxvsMp1frh2Npo_tmtGE7IQ6dTm87jCVZ4Vboz-2bY/s72-c/health-insurance-in-kentucky.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-3224092405281024262</id><published>2010-09-28T23:10:00.000-07:00</published><updated>2010-09-28T23:17:06.114-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="kentucky affordable health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance plans"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health plan"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health plans"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><title type='text'>Kentucky Health Plans within your Budget</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgrsZiNChdOrSL-QQwsLPvNfCD0N2WXe4d5sIuxLEYqsxtTq_Dy3mQtg4RVEK62XGO_mB5XoTWqyzNdLSyldKc2RkdgMhCG31NdobztrrP3bnDSbH4kgyv_u8Nde20E3WsZmtZrwv-y7U/s1600/kentucky-health-plan.jpg&quot;&gt;&lt;img style=&quot;float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 320px; height: 213px;&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgrsZiNChdOrSL-QQwsLPvNfCD0N2WXe4d5sIuxLEYqsxtTq_Dy3mQtg4RVEK62XGO_mB5XoTWqyzNdLSyldKc2RkdgMhCG31NdobztrrP3bnDSbH4kgyv_u8Nde20E3WsZmtZrwv-y7U/s320/kentucky-health-plan.jpg&quot; border=&quot;0&quot; alt=&quot;&quot;id=&quot;BLOGGER_PHOTO_ID_5522214592895051106&quot; /&gt;&lt;/a&gt;&lt;br /&gt;Health insurance companies in Kentucky offer several affordable and flexible plans to suit the needs of individuals, families, groups, self-employed persons, early retirees and students. If you want to find Kentucky health plans within your budget, you need to consider various factors including coverage, premiums, and out-of-pocket expenses like deductibles, copays, coinsurance and discounts.  The best way to understand &lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-plan.htm&quot;&gt;Kentucky health plans&lt;/a&gt;&lt;/span&gt; and choose an affordable one is to seek the help of a professional company that represents the major health insurance companies in Kentucky.&lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Affordable Kentucky Health Plans - Features&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Some of the main features of the affordable health coverage that Kentucky health insurance companies offer include:&lt;br /&gt;&lt;br /&gt;• Managed Care: These include HMO or PPO plans that use as many providers as possible in the network for a negotiated rate. With a HMO, copays are low and you only see the group of providers specified in the plan. In a PPO, contracted healthcare providers offer services to members at a discounted rate, and you can pick your Primary Care Manager or see anyone in the network.&lt;br /&gt;&lt;br /&gt;• HSAs: These are bank accounts with special tax benefits that can be clubbed with specifically designed health insurance plans like High Deductible Health Plans (HDHPs). They have lower overall premiums and annual costs, and help you save over the copay to pay for qualified medical expenses.  Services often included under HSA-qualified HDHPs include physician office services, consultations and preventive care, prescription drugs, hospital treatment and inpatient/outpatient surgery, laboratory and X-ray services, urgent and emergency care, behavioral health care and chiropractic care.&lt;br /&gt;&lt;br /&gt;• Health plan customization options: These help customize plans by adding on extras like supplemental accident benefits and dental benefits to prescription drug coverage and term life insurance at an additional cost.&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Compare Plans and Save&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;To get a &lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-plan.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health plan&lt;/span&gt;&lt;/a&gt; within your budget, you need to get quotes from various health insurance providers and compare them. This is best done with the help of an established company representing leading providers and would provide information on possible coverage, deductibles and co-payments. Reputable online companies get you free quotes and help select an affordable option that meets your needs without compromising on quality. &lt;br /&gt;http://www.kyfreehealthquotes.com/kentucky-health-plan.htm</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/3224092405281024262/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/09/kentucky-health-plans-within-your.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/3224092405281024262'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/3224092405281024262'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/09/kentucky-health-plans-within-your.html' title='Kentucky Health Plans within your Budget'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgrsZiNChdOrSL-QQwsLPvNfCD0N2WXe4d5sIuxLEYqsxtTq_Dy3mQtg4RVEK62XGO_mB5XoTWqyzNdLSyldKc2RkdgMhCG31NdobztrrP3bnDSbH4kgyv_u8Nde20E3WsZmtZrwv-y7U/s72-c/kentucky-health-plan.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-997604378426495148</id><published>2010-09-20T22:57:00.000-07:00</published><updated>2010-09-20T23:09:04.688-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="affordable kentucky insurance plans"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky affordable health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance plans"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health plan"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health plans"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><title type='text'>Kentucky Health Insurance - Choosing the Right Plan</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAl1did78fTqa2FKdH8vSLqVduFDJGHTdlDVc7lK65fRSSClG-fgnZdGZ96dj_VRraE20b3FzQHcA5ynAgmUDUFHl3T8SaVnHT7_80BEBWSi12os6UghOd1i8KB07Xs3mQa8jY0x5dQu4/s1600/coverage-options.jpg&quot;&gt;&lt;img style=&quot;float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 320px; height: 164px;&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAl1did78fTqa2FKdH8vSLqVduFDJGHTdlDVc7lK65fRSSClG-fgnZdGZ96dj_VRraE20b3FzQHcA5ynAgmUDUFHl3T8SaVnHT7_80BEBWSi12os6UghOd1i8KB07Xs3mQa8jY0x5dQu4/s320/coverage-options.jpg&quot; border=&quot;0&quot; alt=&quot;&quot;id=&quot;BLOGGER_PHOTO_ID_5519244767809835058&quot; /&gt;&lt;/a&gt;&lt;br /&gt;With &lt;a href=&quot;  http://www.kyfreehealthquotes.com/kentucky-health-insurance.htm&quot;&gt;Kentucky health insurance&lt;/a&gt; companies offering a wide variety of health insurance options, it is very important to choose the right plan.  There are &lt;a href=&quot;http://kyfreehealthquotes.com/&quot;&gt;Kentucky medical insurance&lt;/a&gt; plans available to suit the needs of individuals, families, employers, self-employed, students and persons between jobs. An ideal health insurance plan is one that offers comprehensive coverage at an affordable price.&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Kentucky Health Insurance – Coverage Options&lt;/span&gt; &lt;br /&gt;&lt;br /&gt;&lt;a href=&quot;  http://www.kyfreehealthquotes.com/kentucky-health-insurance.htm&quot;&gt;&lt;br /&gt;Kentucky insurance&lt;/a&gt; companies offer indemnity, HMO and PPO plans. Some plans are extensive and cover everything from preventive to emergency medicine, and even specialist prescriptions. Other plans cover a limited number of emergency room visits without a deductible, while some cover all hospital visits depending on the deductible.&lt;br /&gt;&lt;br /&gt;Though all Kentucky insurance is regulated by the state, individual health insurance policies are not guaranteed issue and applications can be declined based upon a pre-existing medical condition or past health history. An insurance company may also charge a higher premium for persons with health risk concerns. Further, the benefits of individual health insurance policies differ between health insurance carriers. &lt;br /&gt;&lt;br /&gt;Every individual has different insurance needs. For instance, the right health plan for a young woman would be one that covers preventive medicine, maternity and regular exams. &lt;br /&gt;&lt;br /&gt;All of these factors points to the importance of seeking professional help to choose the right insurance plan. &lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;How a Reliable Agent can Help&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Looking for the right plan can be quite daunting if done individually. The best option would be to seek the help of a reliable agent to find an affordable coverage option.  In fact, studies show that using an agent has helped Kentucky residents to save up to 24% on their annual health insurance premiums.&lt;br /&gt;&lt;br /&gt;Once you have contacted your agent, be sure to ask questions about possible coverage, deductibles and co-payments. The agent, in turn, will want to know about the type of health concerns you have, number of people that need coverage and other related factors. This helps them find you the right plan. Once you have decided on your plan, your agent can even help customize it to suit your needs. &lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-insurance.htm&quot;&gt;http://www.kyfreehealthquotes.com/kentucky-health-insurance.htm&lt;/a&gt;</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/997604378426495148/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/09/kentucky-health-insurance-choosing.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/997604378426495148'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/997604378426495148'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/09/kentucky-health-insurance-choosing.html' title='Kentucky Health Insurance - Choosing the Right Plan'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAl1did78fTqa2FKdH8vSLqVduFDJGHTdlDVc7lK65fRSSClG-fgnZdGZ96dj_VRraE20b3FzQHcA5ynAgmUDUFHl3T8SaVnHT7_80BEBWSi12os6UghOd1i8KB07Xs3mQa8jY0x5dQu4/s72-c/coverage-options.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2204900764312725505.post-6985086697348110324</id><published>2010-09-14T01:06:00.000-07:00</published><updated>2010-09-21T22:28:21.705-07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="kentucky  insurance plan"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health insurance plans"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky health plan"/><category scheme="http://www.blogger.com/atom/ns#" term="kentucky insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="Kentucky medical insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="KY health insurance"/><title type='text'>Kentucky Health Plans for Individuals</title><content type='html'>&lt;a onblur=&quot;try {parent.deselectBloggerImageGracefully();} catch(e) {}&quot; href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZgFc-NENE49X45GoJ0UeCEuGRvbC51RvjyQsxB-IKhjOvMAlFhTLy6pYEWnPh4edtagtNqea2mglzGHDhLScWRm8PU1XLipFPqLV8A193nW2Pawmn85ai9_GbDvArjPig3L7wmmwz-R0/s1600/health-insurance-in-kentucky.jpg&quot;&gt;&lt;img style=&quot;float:right; margin:0 0 10px 10px;cursor:pointer; cursor:hand;width: 320px; height: 215px;&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZgFc-NENE49X45GoJ0UeCEuGRvbC51RvjyQsxB-IKhjOvMAlFhTLy6pYEWnPh4edtagtNqea2mglzGHDhLScWRm8PU1XLipFPqLV8A193nW2Pawmn85ai9_GbDvArjPig3L7wmmwz-R0/s320/health-insurance-in-kentucky.jpg&quot; border=&quot;0&quot; alt=&quot;&quot;id=&quot;BLOGGER_PHOTO_ID_5519605420896397698&quot; /&gt;&lt;/a&gt;&lt;br /&gt;To get the best out of &lt;a href=&quot;http://kyfreehealthquotes.com/&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health plans&lt;/span&gt;&lt;/a&gt; for individuals, you need to compare the various options available in the market. Online resources can help you make the right decision about Kentucky health insurance. Browsing the website of a reputable insurance agent would provide you all the information you need on &lt;a href=&quot;http://www.kyfreehealthquotes.com/kentucky-health-plans.htm&quot;&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health insurance&lt;/span&gt;&lt;/a&gt; companies and their affordable plans for individuals and families.&lt;br /&gt;&lt;br /&gt;Price is one of the most important factors governing the individual health insurance market. With the cost of health care showing an upward trend, you need to find the right balance between the rates and coverage offered by various companies. Websites representing major insurance companies help you to understand your health insurance options and guide you in the selection of your insurance plan. &lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky Individual Health Insurance Options&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href=&quot;http://kyfreehealthquotes.com/&quot;&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health plans&lt;/span&gt;&lt;/a&gt; for individuals or family health insurance plans can be either indemnity health plans or managed-care health plans. Compared to managed care plans, indemnity health insurance plans offer a wider choice of providers, though you may have to pay first and claim reimbursement from your health insurance company later.&lt;br /&gt;&lt;br /&gt;Managed-care health insurance plans include Health Maintenance Organizations (HMO, Preferred Provider Organization (PPO), and Point of Service (POS) plans. They work as follows:&lt;br /&gt;• With HMO plans, you need a primary care physician who can refer to see any other doctor like a specialist.&lt;br /&gt;• When you enroll in a PPO plan, you can enjoy the services of a list of doctors and hospitals that your insurance company provides.&lt;br /&gt;• POS plans offer its members the highest benefits when using providers who are part of the insurer&#39;s network. You can also use the services of out-of-network providers, but at a greater cost.&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;&lt;br /&gt;Affordable Kentucky Health Insurance Plans&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Anthem and Humana are two leading health insurance companies offering a range of affordable &lt;span style=&quot;font-weight:bold;&quot;&gt;Kentucky health plans &lt;/span&gt;for individuals. Anthem Blue Cross and Blue Shield of Kentucky have plans like Blue Access Saver, Blue Access Economy, Blue Short-term, Anthem Senior Advantage and Medicare Supplement Plans. HumanaOne is a one-stop shop for individual health insurance, life insurance, and dental insurance. Licensed representatives of these companies offer instant and free quotes. All you have to do is to request their guidance to make the right choice. &lt;br /&gt;&lt;a href=&quot; http://kyfreehealthquotes.com/&quot;&gt;&lt;br /&gt;http://kyfreehealthquotes.com/&lt;/a&gt;</content><link rel='replies' type='application/atom+xml' href='http://kyfreehealthquotes.blogspot.com/feeds/6985086697348110324/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/09/kentucky-health-plans-for-individuals.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/6985086697348110324'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2204900764312725505/posts/default/6985086697348110324'/><link rel='alternate' type='text/html' href='http://kyfreehealthquotes.blogspot.com/2010/09/kentucky-health-plans-for-individuals.html' title='Kentucky Health Plans for Individuals'/><author><name>Kentucky Health Insurance</name><uri>http://www.blogger.com/profile/00225685012788634406</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='32' height='30' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwGFPhXhlhgCcVP_BdZfRLVFmLjpBdmPofOrm9YHB1aNu6KmAYxFXN_b7tNVJKHD1UNe9yVWWKxCh-9h6VELsO58GrEEiAGW7cGrxDkG5rC0oZLUUusKyC93siCyIhHQ/s220/kyfreesmall.jpg'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZgFc-NENE49X45GoJ0UeCEuGRvbC51RvjyQsxB-IKhjOvMAlFhTLy6pYEWnPh4edtagtNqea2mglzGHDhLScWRm8PU1XLipFPqLV8A193nW2Pawmn85ai9_GbDvArjPig3L7wmmwz-R0/s72-c/health-insurance-in-kentucky.jpg" height="72" width="72"/><thr:total>0</thr:total></entry></feed>

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