We are proud to offer individual health insurance from all the companies available in the state of Kentucky. We can help you select a plan of insurance that provides the benefits you need at a price you can afford. We offer deductibles ranging from $250 to $10,000 and annual out-of-pocket maximums ranging from $1000 to $20,000. We fit your philosophy whether you only want to protect yourself from catastrophic illness or if you want cadillac coverage with drug and doctor's office co-pays and wellness benefits.
We have plans which allow you to go to the doctor of your choice and also plans which work within preferred provider organizations, or networks. We are pleased to offer health savings accounts along with high deductible insurance. These are perfect for healthy individuals and families who are interested in a tax advantage for out-of-pocket health expenses. Deductibles range from $1600 to $4800 annually, and expenses are paid at 100% after the deductible. Premiums are typically much lower than a traditional health plan.
To take care of your expect out-of-pocket expenses, you can contribute to a health savings account before taxes. Your out-of-pocket expenses are then paid directly to the provider from the health savings account. This means that if you are in the 30% tax bracket, you are saving 30% on all out-of-pocket health care expenses. Even better, health expenses like vision care and dental expenses can be paid out of your health savings account. This plan of insurance offers a comprehensive network of providers who offer discounts for many services.