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Most families choose to purchase medical policies that cover all of the adults and children in the family, but some have a need to buy Kentucky child only health insurance here in the Blue Grass State. If you only need health insurance for babies, young kids, or teens in Kentucky, you should know that top insurer can accommodate you. Since children are usually fairly inexpensive to cover, most people can find affordable child health insurance in Kentucky.

What to Know About Kentucky Child Only Health Insurance

Before selecting a child only health insurance plan, it might be helpful to learn about children’s health care in the state. These are some facts from the Children’s Defense Fund and the U.S. Census:

  • Percent of Kentucky population under 18: 23.2
  • Percent of Lexington-Fayette population under 18: 21.2
  • Percent of uninsured Kentucky children in 2011: 9.4

Children need insurance to ensure access to good health care, and they may also need it to participate in school activities. Many families are quite satisfied with child only health insurance in Kentucky policies for a variety of reasons. For example, over 35,000 grandparents say they are responsible for raising children, and that includes over 3,000 in Louisville and over 1,900 in Lexington. In other cases, parents might not have health insurance, or group benefits might cost more to extend to kids than private coverage would.

Affordable Health Insurance for Children in Kentucky

Assurant is one highly-rated company that offers plans for adults and children in Kentucky. Furthermore, all plans include minimum essential coverage as defined by the Affordable Care Act. The company offers popular PPO plans that offer more flexibility than an HMO, and some plans are compatible with HSAs.

The company tries to provide affordable plans by providing many different choices, and these include:

  • Customers can choose from a variety of high deductibles and low deductibles to manage monthly premiums and out-of-pocket expenses.
  • The company offers plans with prescription and office visit copays.
  • In-network preventative services are covered at 100 percent.

Which Kentucky Child Only Health Insurance is best Your Kids?

The right choice really depends upon your budget, the doctors you need, and where you live. For example, a PPO plan helps families save money with proposed network, but that network may be unique in Meads than it is in Ironville. Make sure your favorite doctors and the types of doctors you need are included on the list of network providers.

We can help you shop for child only health insurance in Kentucky by providing free online quotes. Just enter your ZIP code to get started, and call us at any time for help.