Kentucky Child-Only Coverage Open Enrollment Mandatory in January 2012
K
entucky
residents can now take advantage of the open enrollment starting
January 2012 to obtain comprehensive child-only health insurance
coverage. According to an order issued by the Kentucky Department of
Insurance, health insurance companies in the state are required to
offer a child only policy for children under age 19 with an open
enrollment period from January 1, 2012 through January 31, 2012.
Accordingly, leading carrier Anthem Blue Cross and Blue Shield will
be offering its SmartSense® Plus 2500 Plan with a March 1, 2012
effective date for this open enrollment period.
About the KY SmartSense Plus 2500
SmartSense Plus 2500 is unique in that it is Anthem’s only product available for Child-Only coverage which includes 50 percent network coinsurance, $2500 deductible per child, standard drug coverage, and extended Mental Health benefits. Your child would be assured of benefits such as doctors’ office visits, bb services, inpatient services, emergency room visits, preventive care services, prescription drugs and mental health services.
Many Options to Enhance Coverage
Anthem also offers many optional coverage options for children. Dental well-being is vital to your child’s overall health and that’s why Anthem offers you the option to add on dental coverage to the SmartSense Plus 2500 Plan. Dental cover includes regular dental check-ups and cleanings. You can also purchase a separate dental health insurance plan for your child. Besides dental insurance, you can also opt for child term life insurance.
Qualifying for KY Child-Only Health Coverage
A beneficiary must meet the following conditions to qualify for SmartSense Plus 2500:
•
Be under 19 yrs of age
• Be a resident of
the state of Kentucky
Applications sent outside of the January open enrollment period would be eligible only if one of the following conditions applies:
•
The child’s COBRA coverage was exhausted
•
The child lost dependent coverage as a result of loss of eligibility
for coverage including: legal separation or divorce, loss of
dependent status, or death of the person through whom the child was
covered as a dependent
• Termination or
change in employment status of the child or the person through whom
the child was covered
• Loss of an
employer’s contribution towards an employee or dependent’s
coverage
Contact a Health Insurance Broker
Your health insurance Kentucky application for child-only coverage under the SmartSense Plus 2500 plan must be postmarked or faxed no later than Jan 31, 2012. Before you send it off, you need to understand all the rules and the facts about the benefits offered under the plan. The best way to do this is to contact an experienced independent Kentucky health insurance broker.
About the Author
Tracy McManamon is a Kentucky health insurance consultant at One Source Benefits. He can link you to major Kentucky health insurance companies offering affordable individual and family health insurance plans.
Contact
Details
Tracy McManamon
One Source
Benefits
Website: http://www.kyfreehealthquotes.com/
Toll Free Number: 877-549-1212