816-400-4477Health Insurance in Kansas
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Health Insurance Broker Services in Kansas
Finding affordable health insurance in Kansas doesn’t have to be a struggle. Apollo Health Insurance is here to help you navigate the complex world of health insurance.
With our outstanding team of insurance experts, we have created a comprehensive guide to help you find the best health insurance coverage for you and your family.
Quick Facts About Health Insurance in Kansas
Kansas uses the federal Marketplace as its ACA Exchange.
Open Enrollment for On-Exchange plans will be from November 1 – December 15.
Off-Exchange plans offer year-round enrollment.
Apollo Insurance Group can help broker plans from multiple different carriers.
Individual Health Insurance in Kansas
Health insurance is an important part of staying healthy and financially secure. It can help you pay for medical expenses, including doctor visits, hospital stays, and prescriptions.
Individual health insurance plans offer you the flexibility to select a plan that precisely caters to your unique needs, financial considerations, and preferred network of healthcare providers.
With a wide range of coverage options and customizable features, you can ensure comprehensive and tailored healthcare solutions, providing you with peace of mind and the assurance of receiving the best possible care whenever you need it.
If you are a resident of Kansas, there are a wide range of private health insurance plans available to you.
Types of Health Insurance in Kansas
There are four types of health insurance plans available in Kansas: Bronze plans, Silver plans, Gold plans, and Platinum plans. Each type of plan has its own set of benefits and costs.
- Bronze plans have the lowest monthly premiums but also have the highest out-of-pocket costs. This means that if you plan on using your health insurance frequently, a Bronze plan may not be the best option for you.
- Silver plans offer lower out-of-pocket expenses compared to Bronze plans. This makes them an ideal option for individuals who anticipate frequent utilization of their health insurance, without wanting to strain their finances in the process.
- Gold plans offer the second-lowest monthly premiums but come with relatively higher out-of-pocket costs. Similar to Silver plans, they are ideal for individuals who anticipate frequent healthcare utilization without wanting to overspend.
- Platinum plans have the highest monthly premiums but also have the lowest out-of-pocket costs. If you can afford the high premium, a Platinum plan may be the best choice for you if you think you will need to use your health insurance often.
When to Enroll in Kansas Health Insurance
Enrolling in health insurance in Kansas is only restricted for On-Exchange/ACA insurance plans. For these plans, most people can only enroll during the Open Enrollment period. Open Enrollment for the federal ACA Marketplace is from November 1, 2024 – December 15, 2024. To enroll outside of Open Enrollment, you will need a qualifying life event.
With some exceptions, there are no restrictions on enrolling in Off-Exchange plans. Generally speaking, plans that are not found on the federal Marketplace allow enrollment year-round.
How to Enroll in Kansas Health Insurance
To enroll in a health insurance plan in Kansas, contact us now. We will work with you to find the best plan for your budget and needs.
Health insurance in the United States is a complicated beast, and Kansas is no exception. Let one of the experts at Apollo Insurance Group guide you.
This is just a brief overview of health insurance in Kansas. For a more in-depth breakdown, read our article on individual health insurance.
Types of Health Insurance in Kansas
There are tiers in the Kansas health insurance market, with each having its own advantages and disadvantages. The lowest tier offers the cheapest premiums, but the highest deductibles. Higher tiers offer lower deductibles and lower out-of-pocket costs. It is important to note that insurance rates may change based on the number of people who need coverage and their age.
- Bronze plans (also known as Catastrophic plans) have the cheapest monthly premiums, but they also have the highest out-of-pocket costs. This means that if you need to use your insurance, you will have to pay more out-of-pocket before your insurance kicks in. Bronze plans primarily cover emergency medical expenses and you cannot use a premium tax credit to reduce your cost.
- Silver plans have higher monthly premiums, but they also have lower out-of-pocket costs in comparison to Bronze plans. Sliver plans help provide more balance between monthly payments and out-of-pocket costs. Sliver plans are best for people who have average medical costs and lower incomes.
- Gold plans offer lower out-of-pocket costs in exchange for higher monthly premiums. They are designed to minimize the financial burden of high deductibles, making them an ideal choice for individuals or families with above average healthcare needs or prescribed expensive medications.
Bronze (Catastrophic) plans are the cheapest health insurance plan
- Bronze health insurance plans have low monthly premiums but high annual deductibles.
- They are ideal for people without chronic health conditions or who cannot afford a traditional health insurance plan.
- Bronze plans provide protection against major illnesses, injuries, and intensive care costs.
- They are available in several states, including Kansas.
Silver plans offer cost-sharing reductions
- Silver plans offer cost-sharing reductions to people who meet certain income requirements.
- The federal government used to reimburse insurers for these reductions, but the Trump Administration stopped doing so. As a result, insurers have raised premiums for silver plans.
- The amount of cost-sharing reduction you receive depends on your income.
- There are different types of silver plans available, with varying premiums and benefits.
- Silver plans are offered through the individual and state marketplaces.
Kancare
Kancare is a program through the State of Kansas that offers affordable, low-cost health insurance for the uninsured children of Kansas. Some low-income parents may also qualify for health coverage. Applicants are screened for Medicaid eligibility to determine the funding source. You may also be eligible for coverage of existing medical bills.
Who is eligible for Kancare?
To be eligible for this benefit program, you must be a resident of Kansas and meet all of the following requirements:
- Must be either under 18 years old or a primary caregiver of a child or children under 18 years old.
- A U.S. Citizen, National, or Non-Citizen legally admitted into the U.S.
- Uninsured and ineligible for Medicaid.
Wichita Health Insurance
When it comes to health insurance in Wichita, Kansas, there are a variety of options available. The city is served by major health insurers such as Blue Cross Blue Shield and UnitedHealthcare, as well as several regional health plans such as Celtic and Medica. Additionally, there are health insurance marketplace options through healthcare.gov for those who may not have access to an employer-sponsored plan or Medicare/Medicaid. It’s important to consider your individual or family needs before selecting a health insurance plan, including coverage of doctors and hospitals within your network and prescription drug coverage. Residents of Wichita can also consider supplemental health insurance plans in order to fill any gaps in their primary health insurance coverage. With careful consideration and research, finding the right health insurance plan for your needs in Wichita can provide peace of mind and ensure access to quality healthcare.
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.
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.
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.
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.
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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