KENTUCKY PRESS NEWS SERVICEGov. Steve Beshear and Lt. Gov. Jerry Abramson will participate in
enrollment events across Kentucky this week to mark the beginning of
open enrollment in the state’s health benefit exchange, kynect. The
insurance marketplace will offer affordable health coverage for the
first time to 640,000 uninsured Kentuckians.
Kentuckians in all 120 counties can visit kynect.ky.gov to comparison
shop for health insurance products. Kynect is expected to help uninsured
residents get coverage through private insurance plans or Medicaid, as
well as the Kentucky Children’s Health Insurance Program (KCHIP),
according to a news release from the governor's office.
Four out of five Kentuckians who use kynect are expected to qualify for
financial assistance to help cover a portion of their healthcare costs.
“Today marks a sea change in the health of Kentuckians. The impact of
providing affordable health care coverage to the more than 640,000
Kentuckians who are now uninsured is nearly unfathomable. Real access to
health care will not only improve our collective health, but will
strengthen our workforce and save Kentucky millions of dollars,” Beshear
said in the news release. “I’ve been looking forward to this day for a
long time, and I’m excited for our friends, neighbors and coworkers to
finally enjoy the peace of mind that comes from having affordable health
insurance.
“I’m proud to be part of this historic occasion, and excited to share
the information with Kentuckians who need reliable, accessible health
insurance. Many of them will be able to purchase a plan for the first
time – so many have been blocked by high costs or pre-existing
conditions,” Abramson said. “Our state-based health benefit exchange,
kynect, is easy to use and understand. I believe that Kentuckians who
have been waiting for this day will be pleased to see what kynect can
offer them.”
Open enrollment for individuals seeking to purchase insurance through
kynect begins today, Oct. 1, and runs through March 31, 2014, with
coverage beginning as soon as Jan. 1, 2014. Open enrollment for small
businesses also begins Oct. 1, and businesses with fewer than 50
employees will be able to choose to enroll employees in plans offered
through kynect.
During open enrollment, Kentuckians will be able to compare and select
health insurance plans and discover if they qualify for programs like
Medicaid and KCHIP by using the kynect website, a toll-free contact
center, a mail-in application or in person.
With kynect, individuals will learn if they qualify for payment
assistance and special discounts on deductibles, copays and
co-insurance. Small businesses will be able to use kynect to enroll
their employees in health plans, and businesses with fewer than 25
employees may qualify for tax credits by using kynect.
The Kentucky Office of the Health Benefit Exchange within the Cabinet
for Health and Family Services (CHFS) is overseeing kynect operations.
“For many months, we have been working to get the word out about kynect
and all that it has to offer to improve the health and well-being of
Kentuckians who are without insurance,” CHFS Secretary Audrey Tayse
Haynes said in a statement. “Now the big day has finally arrived, and we
are anxious to get people engaged. We want them to visit kynect.ky.gov
or call (855) 4kynect to find out if they qualify for Medicaid or a
subsidy to help them pay for health insurance so they can be covered as
early as Jan. 1.”
Through kynect, all Kentuckians will have access to available elements of the ACA, including:
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No one can be denied coverage due to a pre-existing health condition or lose coverage because a family member gets sick;
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Insurance companies will be prohibited from charging women more than men for the same coverage;
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All health insurance plans will cover services such as preventive care,
pregnancy and infant care, mental health care, and substance abuse
treatment;
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No lifetime limits can be imposed on health insurance coverage; and
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Children will be allowed to stay on their parents’ health insurance plan until they reach the age of 26.
“We are very excited about the launch of kynect and open enrollment this
fall,” said Carrie Banahan, executive director of the KHBE. “In
addition to the peace of mind and better health that comes with quality
health coverage, individuals and businesses with fewer than 25 employees
may be eligible for premium assistance and tax credits by using kynect
to purchase health insurance.”
The KHBE was created by an executive order Gov. Beshear issued in July
2012, as part of the Affordable Care Act’s requirement for a health
benefits exchange to be active in each state by the end of this year.
KHBE currently is funded through federal grants and will be
self-sustaining by 2015.
For more information visit
kynect.ky.gov.