Kentucky Access

→ Click here for a Kentucky Access premiums

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee, you will be able to buy an individual health insurance policy from the state’s high risk pool, Kentucky Access. Note:

• KentuckyAccess prohibits pre-existing condition exclusion periods
• Kentucky Access is your only guaranteed access to individual health insurance

HIPAA Eligibility

To be HIPAA eligible in Kentucky, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does Kentucky Access cost?

Kentucky Access charges different rates based on the plan chosen, age and gender. Kentucky law caps premiums at 175% of the standard rate for comparable coverage.

Kentucky Access Coverage Highlights

1. KentuckyAccess offers three plans: one fee for service (FFS) and two PPO plans. Various deductible options are available
2. Covered expenses include hospitalization, surgical expenses, doctor visits, preventative care, maternity, etc.
3. Prescription drug benefits and mental health/substance abuse coverage can be added for an additional premium
4. For more information, see the KentuckyAccess brochure

How can I be insured with Kentucky Access?

For enrollment information, visit Kentucky Access online at www.kentuckyaccess.com or call (866) 405-6145.

Special insurance for children: Kchip

A family of four making up to $41,300 a year may be eligible for Kchip.

• Do you qualify? Visit Eligibility
• How much does it cost? Visit Rates
• Questions? Visit their FAQs or call (877) 524-4718)