Kansas Health Insurance
Kansas has fewer health insurance regulations than most states. Still, it's important to familiarize yourself with them, so you're more confident and wise and knowledgeable in your purchase.
Describes important Kansas health insurance policy regulations
Lists rules Kansas health insurance companies must follow
Health insurance policies are regulated by each state's own health insurance laws. Kansas health insurance companies and policyholders alike must, of course, abide by established insurance laws.
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Kansas health insurance policy provisions
Some of the most important Kansas health insurance laws are the ones that influence the health insurance policy specifically.
For one, Kansas health insurance policies can contain pre-existing condition exclusion periods. A pre-existing condition is one that you are being treated for, or have been diagnosed with, sometime before.
The exclusion period can be imposed for a maximum of 2 years. During this time, your Kansas health insurance company is not responsible for any medical cost relating to the pre-existing condition.
Also, Kansas health insurance companies can permanently exclude coverage for any pre-existing condition by attaching an elimination rider.
This, of course, is done before you actually agree to purchase the policy.
If you are switching Kansas health insurance companies or policies, new pre-existing exclusion periods can be required.
For growing families, Kansas health insurance laws require that any Kansas health insurance policy covering dependents, must also cover newborns and newly adopted children for a minimum of 31 days.
Finally, every Kansas health insurance policy is required to have guaranteed renewability provision. This provision states that, as long as premiums have been met, an insurance company cannot deny you continued coverage. At no time can your policy be canceled because you have fallen ill.
Regulating Kansas health insurance companies
Besides the policy regulations listed above, Kansas health insurance laws do not strictly regulate Kansas health insurance companies. Kansas health insurance companies operate at their discretion.
For instance, you can be denied Kansas health insurance or can be charged high premiums for Kansas health insurance on the basis of your health.
However, as mentioned earlier, once you have a Kansas health insurance policy, the insurance company cannot deny your request to renew your policy as long as you have met all the terms of your contract and paid your premiums on time.
Because of these relaxed regulations, it is especially important, as a resident of Kansas, to purchase Kansas health insurance when your health is better and you are younger.
Temporary Kansas health insurance
There are times when a break in your health insurance makes purchasing a temporary health insurance policy necessary. Buying a conversion policy is the best option for temporary Kansas health insurance.
According to Kansas health insurance laws, you are eligible to buy a conversion policy if you have left a fully insured group policy and you have used up your COBRA continuation coverage.
Conversion policies are guaranteed renewable and cannot be canceled because you have fallen ill. The cost and coverage of conversion plans are not limited, so you might be paying more than you had been for minimal health insurance coverage.
If you maintain conatant coverage, though, you are not required to meet a new pre-existing condition exclusion period, so it is certainly a wise choice for those in between major medical insurance policies.
If you don't qualify for a conversion policy, some Kansas health insurance companies offer temporary health insurance.
More KS health insurance help
If you want more help getting a good health insurance policy, read our guide to health insurance.
Also see the guide to Kansas small business health insurance.
To find out more about KS health insurance laws and regulations, visit the official website of the Kansas Department of Commerce and Consumer Affairs, Insurance Division.