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Information for Kentucky

Health Insurance Plans in Kentucky

Whether you use your health insurance a lot or just for check-ups, Anthem has options for you. You’ll find special programs, access to great doctors, and plans so you can get healthy and stay healthy. Let’s check out all your health insurance options so you can find what may work for you or your family. 

Our 2018 plans are available in Adair, Allen, Ballard, Barren, Bell, Breathitt, Breckinridge, Butler, Caldwell, Calloway, Carlisle, Christian, Clinton, Crittenden, Cumberland, Daviess, Edmonson, Fulton, Graves, Grayson, Green, Hancock, Hardin, Harlan, Hart, Henderson, Hickman, Hopkins, Johnson, Knott, Lawrence, Lee, Leslie, Letcher, Lewis, Livingston, Logan, Lyon, Magoffin, Marshall, Martin, McCracken, McCreary, McLean, Meade, Metcalfe, Monroe, Muhlenberg, Ohio, Owsley, Pike, Russell, Simpson, Todd, Trigg, Union, Warren, Wayne, and Webster counties.

Our 2018 Transition HMO plans are available in Hardin county only.

Open enrollment starts November 1.

The time to apply for your 2018 health insurance plan is coming up. Until then, you can still try “window shopping” to compare options. You can also buy dental insurance or dental with vision insurance by shopping today.

Already a member? Log in to change your current coverage
 
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Which health insurance plan is right for you?

Health insurance plans come in all shapes and sizes. Our plans come in a range of prices, too, so you may find the right fit for your wallet.
 
Over 65 or Medicare eligible? Check out our Medicare Plans .
 

Pick your plan level

 
Everyone’s budgets and health care needs are different. So we designed our plans that way. They come in different price levels: Bronze or Silver. Whether you’re a family of five with lots of doctor’s appointments or someone who just wants to be covered for emergencies, we may have a plan to help match your needs. Learn more and explore your options below.

On this health plan, you’ll have low monthly payments while being covered for check‐ups and preventive care. You could pay more out of pocket if you need more care, but if you don’t expect to go to the doctor very much this year, Bronze may be a good bet. These health plans can be great for people who are younger with no dependents.

On this plan, you’ll get health coverage that covers all the basics and more. You’ll still have lower monthly payments, but may spend a little more out‐of‐pocket if you need to visit the hospital or a specialist. You’ll also get preventive care for $0 with no copay and no deductible from in-network providers. If you work hard to keep yourself in good health, Silver may be a great option for your budget. 

How Expenses are Covered

Deductibles & Copays

When you have health insurance, we’re here to help with medical costs. As soon as you start the monthly payments on your plan, you’ll be covered for check-ups and preventive care. Most preventive care is free or costs a fee called a copay. For other care, you might be asked to pay for your care up to a certain amount. That’s reaching your deductible. Once you reach it, we’ll start paying for a big percentage of your costs. You just pay the rest. That’s called your coinsurance. Finally, every plan has an out-of-pocket limit that you can reach if you spend a lot in one year. 

Medical Expenses Over the Year

Deductible

The set amount you pay out-of-pocket each year before your plan starts paying for covered services, except for in-network preventive services. In-network preventive services are covered before the deductible is met.

Copays & Coinsurance

A copay is a fixed fee that you pay out-of-pocket for each visit to an in-network health care provider. Coinsurance is the amount you pay for covered health care services. It’s a percentage of the cost of services after the deductible has been paid.

Out-of-pocket limit

Once you have met your out-of-pocket limit, your plan pays 100% of the maximum allowed amount for covered services for the rest of that calendar year.

Benefits of becoming an Anthem member

When you choose an individual or family insurance plan with Anthem, you'll have access to leading doctors and hospitals. It’s important to us that you see the doctor you want and get the care you need.

It’s all about great doctors

You’ll see the difference with Anthem. You can select great doctors, care centers, and hospitals from our network of providers. You can also have a private video visit with a doctor or therapist on your smartphone, tablet or computer. It’s one of the best ways for us to help support your health and the health of your family.

Find a doctor

Access to preventive care

At Anthem, we believe that prevention is the best medicine. Preventive care is offered for as low as $0 with no copay and no deductible to meet when received from in-network providers.

Your Preventive Care Calendar

Other help programs

Catastrophic Coverage Plans

Catastrophic coverage plans help save money on health insurance for people with certain qualifications. If you’re under 30 or qualify for one of 14 hardship exemptions you may be eligible for this plan.

See if you qualify for a catastrophic coverage plan
Medicaid Eligibility

If you’re disabled, managing a chronic condition, or need income assistance, you may qualify for Medicaid coverage. 

See if you qualify for Medicaid