Residents of this great city in "The Bourbon State" are never far from delicious home-style cooking and a cold beverage to sip on. However, too much of a good thing can lead to health issues. Many in this city have been diagnosed with heart disease and diabetes related to obesity. Medical costs add up when you have a chronic illness, and if you do not have the right Louisville, KY health insurance, these costs can lead to bankruptcy. Protect your health and your finances by securing the right policy at an affordable rate.
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Jefferson County Health Statistics
- 16.2 people in 100,000 have been diagnosed with an infectious disease
- 0.5 people in 100,000 die in motor vehicle accidents each year
- 17% of adults are in less-than-good health
- Residents take, on average, 3 sick days per month
- 13% of this county's residents have asthma
- 29.5% of residents have been diagnosed with hypertension
- 212 people in 100,000 die of cancer each year
You Have Several Louisville Health Insurance Options
Not having insurance can have severe consequences. Without proper coverage, you may be tempted to skip an annual check-up or forgo age-appropriate health screenings. You may also avoid seeing a doctor when you are not feeling well, but before long, problems can compound and you may find yourself facing a visit to the emergency room.
If you wait until an illness has escalated, treatment grows more costly; and if you cannot afford the medical bills, your account will likely end up in collections. There are several ways to obtain health insurance coverage, and in 2014, you will have even more options. Most of the following options are available through both individual and group plans.
- HMO: A health maintenance organization allows you to choose a primary care physician and receive treatments within a network of medical practices. These plans are available at consistent monthly rates and some doctor visits will require a co-pay.
- PPO: A preferred provider organization lets you select a primary care physician and other providers from within a network of providers. You have the freedom to venture outside the network, but it will cost more in co-pay amounts.
- POS: Point of service healthcare allows you to choose to receive care from any provider, but if you visit a doctor outside of the network, you are responsible for turning in receipts to receive reimbursement.
- HDHP: High deductible health plans are generally used in conjunction with an HSA, or health savings account. This is ideal for those without serious health issues as it comes at a lower rate and fully covers preventive care, but has high out-of-pocket costs for other medical services.
Find Affordable Louisville Health Insurance
Currently, one of the best ways to get affordable health insurance is through an employer. If your business offers health insurance, take advantage of this benefit. Your employer will cover most of the cost to keep you healthy and working. Some workplaces are even implementing rewards programs that give incentives to stay healthy. Obtaining health insurance through work is not always an option, however. If you are unemployed, self-employed, or your employer does not provide health insurance benefits, you will need to purchase a policy on your own.
Because of the Affordable Care Act, starting in 2014, you can purchase coverage at low group-rates through the Kentucky healthcare exchange. You cannot be turned down for a pre-existing condition. Independent agents in the Trusted Choice® network can walk you through the process of choosing health insurance and can help you compare Louisville health insurance quotes to find the best policy. Contact an agent near you today to learn more about your health insurance options in Louisville.