Health Insurance in Kentucky

Info – Updates – And Free Services

From Health Insurance Brokers In Kentucky

Individual Health Insurance

Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the right plan for your budget and needs.

That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.

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Group Health Insurance
Do you want to provide an affordable insurance option for your employees?

Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.

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Life Insurance
Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.

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Dental Insurance

A good smile can be worth a million dollars.

Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.

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Vision Insurance

Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.

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Apollo Insurance Broker

Talk With A Helpful Licensed Sales Agent!

We'll Handle All Your Insurance Needs With No Extra Cost.

Insurance in Kentucky can be confusing and volatile, but it doesn’t have to be. The agents at Apollo Insurance group can help, so call us now at 346-971-4814 for assistance. Read on to learn all about health insurance in Kentucky. 

Quick Facts about Health Insurance in Kentucky

    • Kentucky uses a state-run exchange called Kynect. From 2015-2019, it also utilized for enrollment. 
    • Open Enrollment for On-Exchange health insurance starts on November 1st and lasts into the new year. 
    • Off-Exchange plans can be purchased year-round. 
    • Apollo Insurance Group can help broker plans with 14 different carriers. 

    How Kentucky Health Insurance Works

    Health insurance in Kentucky can be separated into two categories: On-Exchange plans and Off-Exchange plans. 

    On-Exchange plans are ACA/Obamacare plans and go through Kynect. They are eligible for government subsidies based on household income and can’t deny members for preexisting conditions. 

    Off-Exchange plans are private plans that are not sold through Kynect. They aren’t eligible for subsidies and can deny members for preexisting conditions. Because of this, however, they tend to have lower monthly premiums. 

    Click here to read a more in-depth explanation of the different types of individual health insurance. 

    When to Find Health Insurance in Kentucky

    For On-Exchange plans, you typically have to purchase during the Open Enrollment period. This is the time of the year that you can shop around for ACA health plans, no strings attached. Open Enrollment is set by the state government. For 2023, it will start on November 1, 2022, and run into the new year. 

    If you miss the Open Enrollment period, then you need a Qualifying Life Event to shop for switch or sign up for a health insurance plan. These include major life events like moving, getting married, or losing prior coverage. Click here to see a complete list of qualifying life events. 

    For Off-Exchange plans, you can sign up at any time! There are some exceptions, but most Off-Exchange carriers will allow you to sign up for a plan at any time of the year. 

    How to Find Kentucky Health Insurance

    To find health insurance in Kentucky, simply fill out our quote form. We will help you find the right plan for you. Alternatively, you can call us at 346-971-4814. We have years of experience in the Kentucky health insurance system, so call us right away!

    Kentucky Health Insurance – Find a Plan That’s Right For You

    Kentucky Health Insurance

    A Guide to Health Insurance in Kentucky

    Health insurance is a vital part of life in Kentucky. The Commonwealth of Kentucky offers several health insurance options for residents, and it is important to understand the ins and outs of each before making a decision. In this blog post, we will briefly outline some of the most popular health insurance options in Kentucky so that you can make an informed decision about which one is right for you and your family.

    Health Insurance Options in Kentucky

    There are several health insurance options available to residents of Kentucky. The most popular options are private health insurance, Medicaid, and Medicare.

    Private health insurance is a type of health insurance that is provided by private companies. Private health insurance companies in Kentucky include Humana, Anthem Blue Cross Blue Shield, and Cigna. Private health insurance plans typically have higher monthly premiums than Medicaid or Medicare, but they also tend to have lower out-of-pocket costs when you need to use your insurance.

    Medicaid is a government-sponsored health insurance program for low-income adults and children. In order to qualify for Medicaid in Kentucky, your household income must be at or below 138% of the federal poverty level.

    Medicare is a government-sponsored health insurance program for adults 65 and over or for adults with certain disabilities. There are four main parts to Medicare: Part A covers hospitalization, Part B covers outpatient care, Part C covers prescription drugs, and Part D covers long-term care.
    It’s important to note that not all Kentuckians will qualify for all four parts of Medicare.
    You can learn more about whether or not you qualify for Medicare on the official website.

    Choosing the right healthcare plan is a big decision – one that shouldn’t be taken lightly. We hope that this guide has given you a better understanding of the different types of health insurance available to residents of Kentucky so that you can make an informed decision about which one is right for you and your family. As always, our team at Lexington Insurance Agency is here to answer any questions you may have about choosing or enrolling in healthcare coverage in Kentucky. Give us a call today!

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