Several types of private and public healthcare coverage is available. The resources below may be of help in obtaining coverage.
Healthcare.gov is a federal website that assists consumers and advocates explore coverage options and find out which private insurance plans, public programs, and community services are available; including the new pre-existing condition insurance plan (website). In addition to providing a coverage locator, this site serves as the official portal for updates on roll-out of the Affordable Care Act.
The Pre-existing Condition Insurance Plan
The Pre-existing Condition Insurance Plan (“PCIP”) makes affordable health insurance available to people who have had a problem getting insurance due to a pre-existing condition. In addition to learning more about rates, benefits, eligibility, and frequently-asked questions, citizens may apply online on the PCIP website.
The State High-Risk Pool: "Kentucky Access" is a state-authorized health plan for Kentuckians who have difficulty obtaining affordable health insurance. Access offers several plans, some of which have no lifetime maximums.
For benefit summaries, rate tables, prospective member packets or Frequently Asked Questions, go to the Kentucky Access website.
Patient Services Incorporated
Patient Services Incorporated: "PSI" provides insurance case management and premium assistance for individuals with some severe chronic conditions. Applications can be made at their website or call 1-800-366-7741 for more information.
Government-Sponsored Programs: Medicaid and SSI
Medicaid Programs: Apply with local DCBS Family Support office.
- KTAP - this includes time-limited monetary assistance as well as Medicaid
- Medical-Only (Family Medicaid) - as above, but no monetary assistance available
- KCHIP - coverage for children whose families do not meet the income threshold for traditional Medicaid programs
- Spend-Down - for those with high medical expenses that, when subtracted from income would make them eligible for Medicaid
- Home and Community Based Waiver
- Presumptive Eligibility - prenatal care for pregnant women while Medicaid eligibility is being determined
Supplemental Security Income (SSI) provides benefits for disabled children within certain income guidelines. Apply through Social Security or at one of 27 Social Security offices throughout the state.