Kansas Health Insurance

An average of 10.9% of Kansas residents were uninsured for Kansas health insurance every year between 2001 and 2003 according to data from the Center for Disease Control.

Kansas Health Insurance Regulations

Kansas health insurance laws instate regulations restricting the ability of Kansas health insurance companies to deny access to individual Kansas health insurance. Exclusion periods for pre-existing conditions can last no more than 2 years under new Kansas health insurance plans. Pre-existing conditions are medical conditions diagnosed or treated prior to the beginning of a new Kansas health insurance plan.

Pre-existing exclusion periods can be permanent if the Kansas health insurance provider attaches an elimination rider for the condition. New pre-existing exclusion periods are sometimes required even if the individual is switching policies within a Kansas health insurance company.

All Kansas health insurance plans must have a guaranteed renewability provision that guarantees the right of an individual to renew an existing Kansas health insurance plan. Provided premiums have been paid and no false information has been provided, the individual Kansas health insurance plan is guaranteed renewable. Also, and Kansas health insurance plan covering dependants must also cover newborns and adopted children for at least 31 days after birth or adoption.

Kansas health insurance companies can deny access to coverage to any individual based on age or health. Kansas health insurance rates also vary depending on the individual’s health and age. Under Kansas health insurance laws employer health insurance cannot be denied or limited for an individual. If the individual is between employer or between plans then he or she may opt to purchase a conversion Kansas medical insurance plan or a temporary Kansas medical insurance plan. Continuous coverage under Kansas health insurance may result in old Kansas health insurance policies crediting new ones for the pre-existing exclusion period.

Alternative Kansas Health Insurance Options

For individuals who do not qualify for Kansas health insurance or may not otherwise be able to afford individual Kansas medical insurance there are other state-run alternatives and programs:

• Kansas Medicaid is available to any individual who qualifies and meets the eligibility criteria.
• Kansas Health Insurance Association is the high-risk pool for the state in which individuals who may otherwise be considered “uninsurable” can qualify to gain access to group Kansas health insurance. Pre-existing condition periods may apply.
• HealthWave is the Kansas health insurance for children under 19 years of age whose families do not qualify for Medicaid and who may also be unable to pay for Kansas health insurance.

Kansas Department of Insurance

420 SW 9th Street
Topeka, KS 66612-1678
Telephone: 785-296-3071
Fax: 785-296-2283

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For other Kansas Insurance Resources, See:

• Kansas Auto Insurance
• Kansas Home Insurance
• Kansas Health Insurance

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