Kansas Health Insurance
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Place in State
Health Report Card 26th
- Insured 1,127,828
- Uninsured 100,300
Primary Care Physicians 4910
- Employer-sponsored health insurance 64%
- Private plans 7%
- Medicaid 13%
- Medicare 15%
- Others 1%
The number of Kansas residents who smoke has decreased by 3 percent.
From 640,000, the number of obese adults has increased by 229,000 more in 10 years.
The number of children under the age of 18 who are living in poverty has increased from 18.0 percent to 23.1 percent in the span of one year.
179,000 The number of adults with diabetes has increased from 6.9 percent to 8.4 percent in the past 5 years.
In the past 10 years, the rate of death caused by cardiovascular disease has decreased from 324.3 to 265.2 deaths per 100,000 population.
According to state law, Kansas health insurance plans are guaranteed renewable. This means that insurers cannot deny your application for renewal for your policy. When writing new Kansas health insurance plans, insurers can exclude coverage for a pre-existing condition. This means that if you have been diagnosed with an illness, it will not be covered. The pre-existing condition exclusion periodranges from six months to two years. If you switch to another insurer even after the exclusion period, the new insurer may apply their own exclusion period. Kansas state laws require Kansas health insurance plans that cover dependents to cover unborn (or adopted) children for up to 31 days. Kansas health insurance providers are not allowed to terminate a policy due to health reasons but they can deny your application. Premium rates may be influenced by factors like age, health condition or risk factors. Small businesses may apply for any small business group plans being offered in the state. Kansas health insurance quotes for group coverage can vary according to the risk factors of its members. But there are certain requirements they must meet in order to be eligible to join. Group health policies cannot be cancelled because of medical reasons. Self-employed individuals without any employee cannot apply for group health plans. But they can earn tax credits for purchasing Kansas health insurance plans.
Young adults in Kansas can now stay under their parent’s policy. The new health law mandates Kansas health insurance companies to allow parents to keep their children in their policy until age 26. 21,679 young adults in Kansas have benefited from this plan (as of June 2011).
Because of the new law, Medicare members no longer need to worry about their extra prescription cost. Once they reach the donut hole in 2010, they are sent a check for a $250 rebate. 41,292 seniors in Kansas have received the rebate to offset the cost of their prescription drugs. A 50 percent discount was also given for brand name drugs once they’ve hit the donut hole. This resulted to an average savings of $23,437,243 for Kansas Medicare members. The Affordable Care Act aims to close the donut hole by 2020.
One of the provisions of the health care reform is to provide preventive care services free of charge for Medicare members and those enrolled under private plans. 2011, 313,085 Medicare members and 529,000 private plan members in Kansas have received free preventive care services like colonoscopy and mammograms.
When looking at Kansas health insurance quotes, applicants are assured that at least 80 percent of the price will go directly to health care services and other related improvements. 743,000 Kansas residents are now able to maximize their premium.
Insurers are no longer allowed to impose a lifetime limit on their members’ benefits. 1,021,000 Kansas residents are now free from having lifetime limits on their coverage. Patients with chronic diseases don’t have to worry about maximizing their limit because of their accumulating medical costs.
Through the Pre-Existing Condition Insurance Plan, Kansas residents who have pre-existing condition can now have affordable coverage. As of 2011, 301 residents now have a Kansas health insurance. Without this provision, they would still remain uninsured.
Kansas has received a $6 million grant to develop more health programs and policies. They have also received $8.6 million to create more health centers and to improve existing centers and the quality of health care delivered.
Closing the Medicare Part D donut hole. Last year, roughly 35,500 Medicare beneficiaries in Kansas hit the donut hole, or gap in Medicare Part D drug coverage, and received no extra help to defray the cost of their prescription drugs.2 Medicare beneficiaries in Kansas who hit the gap this year will automatically be mailed a one-time $250 rebate check. These checks will begin to be mailed to beneficiaries in mid-June and will be mailed monthly throughout the year as new beneficiaries hit the donut hole. The new law continues to provide additional discounts for seniors on Medicare in the years ahead and completely closes the donut hole by 2020.
Support for health coverage for early retirees. An estimated 30,300 people from Kansas retired before they were eligible for Medicare and have health coverage through their former employers. Unfortunately, the number of firms that provide health coverage to their retirees has decreased over time.3 Beginning June 1, 2010, a $5 billion temporary early retiree reinsurance program will help stabilize early retiree coverage and help ensure that firms continue to provide health coverage to their early retirees. Companies, unions, and state and local governments are eligible for these benefits.
New consumer protections in the insurance market beginning on or after September 23, 2010.
Insurance companies will no longer be able to place lifetime limits on the coverage they provide, ensuring that the 1.7 million Kansas residents with private insurance coverage never have to worry about their coverage running out and facing catastrophic out-of-pocket costs.
Insurance companies will be banned from dropping people from coverage when they get sick, protecting the 183,000 individuals who purchase insurance in the individual market from dishonest insurance practices.
Insurance companies will not be able to exclude children from coverage because of a pre-existing condition, giving parents across Kansas peace of mind.
Insurance plans’ use of annual limits will be tightly regulated to ensure access to needed care. This will protect the 1.5 million residents of Kansas with health insurance from their employer, along with anyone who signs up with a new insurance plan in Kansas.
Health insurers offering new plans will have to develop an appeals process to make it easy for enrollees to dispute the denial of a medical claim.
Patients’ choice of doctors will be protected by allowing plan members in new plans to pick any participating primary care provider, prohibiting insurers from requiring prior authorization before a woman sees an ob-gyn, and ensuring access to emergency care.
Extending coverage to young adults. Beginning on or after September 23, 2010, plans and issuers that offer coverage to children on their parents’ policy must allow children to remain on their parents’ policy until they turn 26, unless the adult child has another offer of job-based coverage in some cases. This provision will bring relief to roughly 16,800 individuals in Kansas who could now have quality affordable coverage through their parents.4 Some employers and the vast majority of insurers have agreed to cover adult children immediately.
Affordable insurance for uninsured with pre-existing conditions. $36.5 million federal dollars are available to Kansas starting July 1 to provide coverage for uninsured residents with pre-existing medical conditions through a new transitional high-risk pool program, funded entirely by the Federal government. The program is a bridge to 2014 when Americans will have access to affordable coverage options in the new health insurance exchanges and insurance companies will be prohibited from denying coverage to Americans with pre-existing conditions. If states choose not to run the program, the Federal government will administer the program for those residents.
Strengthening community health centers. Beginning October 1, 2010, increased funding for Community Health Centers will help nearly double the number of patients seen by the centers over the next five years. The funding could not only help the 36 Community Health Centers in Kansas but also support the construction of new centers.
More doctors where people need them. Beginning October 1, 2010, the Act will provide funding for the National Health Service Corps ($1.5 billion over five years) for scholarships and loan repayments for doctors, nurses and other health care providers who work in areas with a shortage of health professionals. This will help the 12% of Kansas’s population who live in an underserved area.
New Medicaid options for states. For the first time, Kansas has the option of Federal Medicaid funding for coverage for all low-income populations, irrespective of age, disability, or family status.
Kansas Health Insurance Association (KHIA)
KHIA provides coverage for residents who are unable to acquire a Kansas health insurance coverage because: you have a pre-existing condition, you are HIPAA eligible, or if you have exhausted your health insurance benefits. Benefits: Prevention services, Inpatient hospital care, Therapies (physical, speech, occupational), oral surgery, Spinal manipulation, Maternity, Emergency room and ambulatory services, Durable medical equipment, Mental health and substance abuse, Nursing, Home health, and Prescription drugs. If prior health coverage had a lapse of 31 days or more, there will be a 90-day pre-existing condition exclusion in KHIA coverage
Medicaid is a federal program designed to provide health insurance coverage to low-income individuals, families and disabled citizens. Kansas Medicaid provides coverage to pregnant women, a parent or guarduian of a minor, disabled or 65 years old or older.
Healthwave is Kansas’ health insurance program for children below age 19 belonging to low-income families. This program is also open to children who are not eligible to apply for Medicaid. In order to qualify for this program, you must be a US citizen or a legal resident. This program is also open to pregnant women. Benefits: Office visits, Checkups, Immunizations, Inpatient and outpatient hospital services, Lab and x-ray, Prescription drugs, Eye doctor exams and glasses, Hearing services and speech, Physical and occupational therapy, Dental services for children (checkups, cleanings, sealants, x-rays and fillings), Inpatient and outpatient mental health and substance abuse services, and Medical transportation.
Children and Youth with Special Health Care Needs (CYSHCN)
This is a joint program by the federal government and the state that aims to promote the health care of those who are at risk for chronic disease or disability. To be able to qualify, the applicant must be a resident of Kansas; family income must be within the guideline; must be under the age of 22; applicants who have a metabolic condition may apply regardless of age.
Medicare is a National program administered by the federal government designed to provide coverage for America’s seniors.About 15% of Kansas residents are Medicare enrollees. Medicare has four parts: Part A covers inpatient hospital care; Part B covers outpatient care; Part C or Medicare Advantage covers both Parts A and B. Members have the option to get coverage through private insurers;Part D covers prescription drugs through private insurers.
Limited benefits to adults whose applications for federal disability are being reviewed by the Social Security Administration. Average monthly benefit from General Assistance is $100. The program is time-limited to 24 months per person; however, assistance is continued for those who have an ongoing pending application for Social Security benefits (including the appeal process). The scope of MediKan’s services is similar to that of Medicaid’s, but some restrictions and limitations apply. Health benefits include medical care in acute situations and during catastrophic illness.