There may be several different reasons for an employee needing Kentucky short term temporary medical insurance, including unemployment or having a part-time or temporary job. It also is necessary while an employee waits for standard health insurance to begin. Kentucky state temporary health insurance can replace the more expensive Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Health maintenance organizations and preferred provider organizations generally do not service policy holders of temporary medical insurance. Kentucky policy holders normally are able to receive care from any licensed health care provider, however.

Keep the following three points in mind when you are thinking about buying temporary health insurance in Kentucky:

1. Gap coverage between standard policies is the primary intent of temporary health insurance. Kentucky short-term medical insurance policy holders should eventually obtain long term insurance.

2. Kentucky temporary medical insurance generally covers unexpected injuries or illnesses but is not normally used for preventative care or routine examinations.

3. Temporary Kentucky health insurance is exempted by the Health Insurance Portability and Accountability Act, or HIPAA, and is not required to be issued or renewed to all applicants. An insurance carrier also has the option of refusing applicants based on a pre-existing condition.

Action Steps
The best contacts and resources to help you get it done

Acquire prices on Kentucky temp health insurance policies

Kentucky temp health insurance is available in a wide range of plans and prices, but it usually costs significantly more than a long-term policy.

I recommend: Get a quote from KMA Insurance. This KY temporary health insurance provider is based in Louisville.

Investigate the available types of Kentucky temporary health coverage

KY temporary health insurance is frequently designed for particular groups or medical conditions. You will save a substantial amount of time when you know a policy's purpose without needing to study it in detail.

I recommend: Find a summary of Kentucky temporary health insurance plans at Charlie Pinson Insurance. It specializes in affordable KY temporary medical insurance plans.

Seek customized quotes for temporary health insurance in Kentucky

You can provide your personal information for a more accurate quote when you apply for temporary health insurance. Kentucky residents can utilize websites that will send your application to multiple Kentucky temporary health insurance providers.

I recommend: Select your zip code and complete the short application form at Health Insurance Sort. It will be forwarded to Kentucky temporary medical insurance providers that will return their quotes to you.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Temp health insurance in Kentucky usually lasts for a maximum of six months, but you can frequently get approval for a second policy. This generally requires that you have not made any claims under the first policy, haven't experienced significant changes to your health and your total coverage for all plans does not exceed one year.
• •  Look for any clauses in your policy that cover disabilities beyond the stated termination date of the temporary medical insurance. Kentucky temporary health insurance policies often will pay for total disability until specific criteria have been met. Many plans also will pay a fixed amount for partial disability after the termination of the policy.