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Kentucky offers a variety of health insurance options through its state-based exchange, Kynect, which provides individuals and families access to ACA-compliant plans. The state has expanded Medicaid under the ACA, ensuring more low-income residents can obtain coverage through programs like Kentucky Medicaid. Private insurers also offer short-term health plans and supplemental coverage, giving residents flexible options to suit their healthcare needs. Rising healthcare costs and rural healthcare access remain ongoing concerns for many Kentuckians.
Employer-sponsored health insurance plays a significant role in providing coverage for Kentucky residents, offering comprehensive benefits for employees and their families. KCHIP (Kentucky Children’s Health Insurance Program) provides low-cost coverage for children in qualifying families. For seniors, various Medicare Advantage and Medigap plans are available to cover expenses not included in original Medicare. Kentucky residents should carefully evaluate their insurance options to ensure they have the coverage that best meets their needs and budget.
Individuals and families should consider three main types of health insurance: the Affordable Care Act (ACA), short-term plans, and medical indemnity plans. Each option meets different needs based on budget, coverage requirements, and health conditions. ACA plans, for example, offer comprehensive benefits and are ideal for long-term coverage with essential health benefits. Short-term plans provide temporary coverage, while medical indemnity plans offer flexible, fee-for-service benefits that can complement existing coverage.
At iHealth, we understand that choosing the right plan can be overwhelming. That’s why we’re here to help you compare the benefits and costs of each option to find the perfect fit for your situation. Whether you’re seeking comprehensive coverage for your family, a short-term solution between jobs, or a plan that helps cover unexpected medical expenses, we can guide you through the process. We aim to ensure you have access to healthcare at a price that works within your budget.
Navigating Medicare options can be complex, but iHealth makes it easier by helping you explore and compare the three primary types of Medicare coverage: Medicare Advantage, Medicare Supplement, and Prescription Drug plans. Medicare Advantage plans combine hospital and medical coverage with additional dental and vision care benefits. Medicare Supplement (Medigap) plans help cover out-of-pocket costs that original Medicare doesn’t, offering financial peace of mind. Prescription Drug plans (Part D) ensure you have affordable access to the medications you need to maintain your health.
Finding the right Medicare plan means considering your preferred healthcare providers, prescription drug needs, and budget. iHealth provides the tools and resources to compare plans so you can make an informed decision. Whether you’re looking to lower your out-of-pocket expenses or ensure continued access to your favorite doctors and medications, we can help you find a plan that enhances your coverage without exceeding your financial limits.
Mortgage life insurance is an excellent way to protect your loved ones financially in the event of an unexpected tragedy. Unlike traditional health insurance, mortgage life insurance provides coverage that pays explicitly off your mortgage in case of death, ensuring your family can stay in their home without financial stress. With no medical exams required and level premiums that remain consistent throughout the policy term, it offers a straightforward and predictable way to secure your financial future.
In addition to its simplicity, mortgage life insurance can often be customized with riders or additional coverage options to suit your family’s needs better. Whether you want to add critical illness protection or disability benefits, these plans provide flexibility and peace of mind. At iHealth, we make exploring and comparing mortgage life insurance options easy, helping you choose a plan that aligns with your financial goals and long-term security.
Short-term health insurance offers a cost-effective solution for temporary coverage during life transitions. These plans provide essential coverage for unexpected medical needs, whether between jobs, waiting for employer benefits to begin, or simply seeking a more affordable alternative to traditional insurance. These plans typically offer benefits for doctor visits, emergency care, and hospital stays, making them ideal for individuals seeking immediate, no-commitment coverage.
With iHealth, getting short-term health coverage is quick and hassle-free. You can enroll online and get coverage within a few days, avoiding long waiting periods and extensive paperwork. Our short-term plans are designed to provide financial protection without the long-term commitment of traditional plans, giving you the flexibility you need to stay covered during uncertain times.
Maintaining good oral health is essential to overall well-being, and iHealth offers a range of affordable dental plans to fit your needs. Our plans cover routine preventive care such as cleanings, exams, and X-rays, ensuring you stay on top of your oral health without breaking the bank. Some plans also cover fillings, root canals, and even significant procedures like crowns and dentures for those needing more extensive dental work.
Choosing the right dental plan can save significant out-of-pocket costs and provide peace of mind for unexpected dental issues. Whether you’re looking for individual coverage or a family plan, iHealth helps you compare options to find a plan that offers the right balance of affordability and coverage. Regular dental care is vital for a healthy smile, and with our dental plans, you can access quality care at an affordable price.
Good vision is essential for daily life, and iHealth offers vision plans that help you maintain eye health while saving on costs. Our vision plans cover regular eye exams to detect changes in your vision and catch potential eye health issues early. Whether you wear glasses or contact lenses, our plans provide significant savings on prescription eyewear, ensuring you can always see clearly without straining your budget.
In addition to basic vision coverage, some plans include benefits for advanced procedures such as LASIK or treatment for chronic eye conditions. With flexible options to fit different needs and budgets, iHealth makes it easy to find the right vision plan for you and your family. By investing in vision insurance, you can prioritize your eye health and avoid costly out-of-pocket expenses for essential care.
Whether you’re seeking health insurance for yourself or your family, we know that many people have questions. Here are some of the most common inquiries we receive about individual and family health insurance:
Individual health insurance costs vary depending on your state. On average, you can expect to pay between $225 and $327 per month* for a single person. Browse health insurance options by state to find plans available in your area.*
This is based on average pricing for plans from iHealth, but the actual prices available depend on zip code, age, gender, and other factors. Get a personalized quote to see what may be available for you.
The cost of individual health insurance varies depending on your household income, as you may be eligible for a subsidized plan. Without subsidies, plans can start as low as $139 per month* for a single person.*
These prices reflect the lowest available plans from iHealth, but actual rates depend on factors like your zip code, age, gender, and more. To find out what’s available to you, get a personalized quote.
While about 49% of Americans get health insurance through their employer, you don’t have to be employed to get coverage. The Affordable Care Act (ACA) was designed to make health insurance more accessible to everyone, and you can qualify for an ACA plan even if you’re not working. If you meet certain income criteria, you may also qualify for a subsidy to help lower the cost of your coverage.
With many options available, it can be overwhelming to navigate the process on your own. That’s where a licensed agent at iHealth can assist you. Our agents, along with tools like our plan comparison tool, can help you find a health insurance plan that fits your budget and provides the coverage you need. They can also help determine if you’re eligible for an ACA subsidy.
Choosing the right health insurance plan involves considering several important factors. First, think about whether you’re purchasing insurance for just yourself or your entire family. Family plans may offer discounts, so it’s a good idea to decide upfront whether to go with an individual or family plan.
Next, consider whether you’ll be getting health insurance through your employer or purchasing it independently. Employer-sponsored plans can often save you money, but your choices may be limited. Be clear about how you plan to obtain your coverage.
Then, take into account key elements like your deductible, premium, co-pays, and coinsurance. These factors will affect both your overall coverage and the amount you’ll pay. If you’re unsure about how these aspects should influence your decision, we’re here to help. Our team can guide you through your options, or you can visit iHealth’s resource center for more detailed information on these topics.
After you’ve enrolled and made your initial payment for a major medical plan, it usually takes about three weeks for your application to be processed. However, the exact timeline can depend on when you apply. For alternative plans, like short-term coverage, the process can be quicker, as these plans are designed to provide faster coverage.
For more details, please check out our article on the health insurance application process.
Last Updated: [01/14/25)
At iHealth One Insurance, we protect and respect your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information when you access our website, use our services, or interact with us in any other way. We encourage you to read this Privacy Policy carefully to understand our views and practices regarding your personal data and how we will treat it.
By using our services, you agree to this Privacy Policy’s collection and use of information.
We collect information from you in the following ways:
a) Personal Information
When you apply for or use our insurance products, we may collect the following personal information:
b) Technical Data
When you visit our website or use our online services, we may collect technical information automatically through cookies and other tracking technologies, including:
c) Third-Party Information
We may collect information from third-party sources, such as credit bureaus, government entities, and other organizations that provide data relevant to your application or claim.
We use your personal information for the following purposes:
We do not sell your personal information to third parties. However, we may share your information in the following situations:
We take the security of your personal information seriously. We implement industry-standard physical, electronic, and procedural safeguards to protect your information from unauthorized access, disclosure, alteration, or destruction. Despite our best efforts, no data transmission or storage system can be guaranteed 100% secure. Therefore, we cannot guarantee the absolute security of your information.
You have the following rights regarding your personal information:
To exercise any of these rights, please contact us using the details provided below.
We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files placed on your device that help us analyze website usage, remember preferences, and personalize your experience. You can manage your cookie preferences through your browser settings, but please note that disabling certain cookies may affect the functionality of our website.
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, as required by law, or for business purposes (e.g., to comply with regulatory requirements or resolve disputes). Once the data is no longer needed, it will be securely deleted.
Our services are not intended for individuals under 13; we do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information from our records.
If you are located outside of the United States, please be aware that your personal information may be transferred to, stored, and processed in the United States or other countries that may not have the same data protection laws as your country of residence. By using our services, you consent to the transfer of your personal information to these locations.
We may update this Privacy Policy from time to time. Any changes to this Privacy Policy will be posted on this page, and the “Last Updated” date at the top will be revised accordingly. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
iHealth One Insurance
Customer Support Team
Phone: 954-300-8971 Cell
email: info@ihealthinsuranceone.com
By using iHealth One Insurance’s website and services, you acknowledge that you have read and understood this Privacy Policy.
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