In 2012, more than 45 million Americans lacked health insurance coverage, including about 370,000 residents of Kansas. According to the Kaiser Family Foundation, only about 50 percent of all adults in this state receive their medical insurance coverage through their employer. The remaining adults who do not qualify for Medicare or Medicaid must purchase their own health coverage, and, for many, the costs have been daunting. Fortunately, the newly passed healthcare laws will alleviate much of this problem by bringing more affordable coverage options to people in need. Furthermore, insurance companies must meet certain coverage guidelines and can no longer turn people away for pre-existing conditions. If you are a Kansas resident in search of a health insurance policy for yourself or your family, now is a great time to start comparing policy quotes.
More than half of the adult residents in Kansas suffer from one or more chronic diseases. Treating these ailments on a yearly basis is expensive; healthier choices, routine healthcare and early detection could have prevented many of these cases.
Under the newly passed healthcare laws, medical insurance plans fully cover routine preventive healthcare. This includes age-appropriate tests, such as colonoscopies and mammograms, which are very effective at identifying the presence of cancer at its earliest, most treatable stages. Those without healthcare coverage tend to forgo these screening tests; doing so can prove fatal if cancerous or pre-cancerous cells spread untreated.
The recently passed Affordable Healthcare and Patient Protection Act mandates that all U.S. citizens who do not currently have health insurance obtain healthcare coverage in 2014 or pay a tax penalty. As part of this new law, each state, including Kansas, has set up a healthcare exchange, or marketplace, where people may purchase affordable healthcare plans at low group rates. Anyone who does not receive health benefits through an employer, spouse or parents and does not qualify for Medicare or Medicaid may use these exchanges.
The applicant's age, household income, tobacco use and the level of coverage purchased determine quotes for health insurance policies in the Kansas marketplace. You can purchase a plan at the bronze, silver or gold level. Low-income residents who make too much to qualify for Medicaid will receive the most in federal subsidies, making this healthcare coverage more affordable.
Citizens of Kansas who lack healthcare coverage may try to save money by avoiding medical examinations except when absolutely necessary. This often results in the inability for doctors to treat patients' illnesses or other medical problems during the earliest, most-curable stages.
Because the Affordable Healthcare Act mandates that insurance companies must cover preventive care, routine tests such as blood work, blood-pressure screening and age-appropriate tests will be available at no additional cost to you. This will lead to longer, healthier lives for those who were previously uninsured or were lacking in medical insurance that provided adequate coverage.
Approximately half of all bankruptcy filings in the United States are the result of overwhelming and unmanageable medical bills. In 2011, 9,775 individuals in Kansas filed for bankruptcy. In many cases, individuals could have prevented this demoralizing economic hardship if only they had had access to appropriate health insurance coverage.
Major illnesses are not the only factor that can bring about excessive health costs. In a state where approximately 1 in 6 adults smokes cigarettes, smoking-related illnesses have led to expensive treatments. According to the CDC, in 2004, residents of Kansas spent about $795 million on smoking-related healthcare expenditures, as follows:
If you are a smoker, you may want to speak with your doctor about smoking cessation plans, treatments and medications that are available.
Navigating through the healthcare system can be confusing. With so many different insurance plans, levels of coverage, deductible amounts and premiums, it can be hard to decide which policy is best for you and your family. There is no need to go at it alone. An independent insurance agent in the Trusted Choice® network can help you by providing answers to your insurance-related questions and helping you find and review plans on both the healthcare exchange and the Kansas marketplace.
Contact a local Trusted Choice agent near your home to start searching for health insurance and reviewing health insurance quotes.