Full Coverage
Health Insurance Plans in Kansas
Are you a Kansas resident who’s looking for health insurance that covers everything from preventive care to major medical expenses?
A full coverage health insurance policy is a good option if you want to simplify your benefits. These plans offer combined coverage for routine doctor visits, accidents, injuries, surgeries, maternity care, hospital visits and catastrophic illnesses.
For individuals and families with income above ACA health plan limits, a combined coverage open network PPO health insurance plan is an affordable alternative. You can customize these full coverage non-ACA policies with the right combination of benefits for your needs.
If a full coverage health insurance plan sounds like a good fit for your situation, request a free quote from a licensed insurance agent in Kansas.
Plan Features
- Private PPO health insurance
- Open access network
- No primary care physician required
- No specialist referrals needed
- No deductible
Note: Plan availability is subject to location and underwriting requirements.
Doctor Care Insurance
for Individuals & Families in Kansas
Need a health plan that covers just the essentials?
A doctor care benefit plan is a health insurance policy that covers routine expenses like office visits, diagnostic testing, preventive services and prescriptions.
Who Should
Consider This Plan?
This is a basic coverage plan, which offers cost savings, but it’s not for everyone.
A doctor care plan might be a good option for those who are generally healthy and don’t need insurance that covers specialized services like maternity care or mental health.
Doctor care insurance may also be a good fit if you’re looking for a low-cost alternative to an ACA marketplace plan. Compared to full coverage major medical health plans, doctor care health insurance policies generally have lower premiums.
Not sure if doctor coverage health insurance is right for you? Request a free, customized quote from a licensed insurance agent in Kansas.
Plan Features
- Private PPO health insurance
- Open access network
- No referrals
- Primary care physician not required
- No deductible
Coverage
- Doctor’s office visits
- Prescription drugs
- Labs
- X-Rays
- Emergency room visits
- Ambulance services
- Preventive care:
- Colonoscopy
- Mammogram
- Pap Smear
- Prostate Exam
- Diabetes Blood Test (A1C)
Catastrophic Health Insurance
for Individuals & Families in Kansas
Looking for a low-cost health insurance policy that you can use in case of a serious injury, an accident or a major illness? Catastrophic health insurance may be a good fit.
What is Catastrophic Health Insurance?
A catastrophic health insurance policy provides coverage for larger medical expenses like surgeries and hospital stays. The premiums are typically lower than other non-ACA health insurance plans.
Who Should
Consider This Plan?
You might want a catastrophic health plan if you’re looking for low insurance premiums and coverage for unexpected hospital visits or surgeries.
These plans may also be a good fit if you don’t take prescription medications or visit the doctor often.
A catastrophic health plan isn’t right for everyone, so speak with a licensed insurance agent in Kansas to discuss your options and get a free quote.
Plan Features
- Private PPO health insurance plan
- Open network
- No primary care physician needed
Catastrophic Illness
- 80/20 Coinsurance
- $250,000 Per Illness
- $1,000 Deductible
- No Lifetime Cap
Accident/Injury
- 80/20 Coinsurance
- $100,000 Per Injury
- $1,000 Deductible
- No Lifetime Cap
ACA Marketplace Insurance
for Individuals & Families in Kansas
If you’re feeling overwhelmed trying to navigate theACA marketplace to find an insurance plan, we can help.
Count on Southern Plains Insurance Group when you need clear answers to your questions about marketplace insurance enrollment.
What Is a
Marketplace Plan?
The Affordable Care Act (ACA), also known as Obamacare, allows individuals and families to purchase a health insurance plan through Federal or state-run exchanges.
These major medical health insurance policies cover a comprehensive range of services for illnesses, injury, maternity, pre-existing conditions, mental health and more.
Which ACA Plan
Should I Choose?
If you live in Kansas, speak with a Southern Plains Insurance Group specialist for help choosing the best ACA health insurance plan for your needs.
Other ways we can help you with marketplace insurance include:
- Clearly explain your benefits to you.
- Determine if you’re eligible for a special enrollment period.
- Verify that the doctors and hospitals you use are in network.
- Ensure you receive your full tax credit for your monthly premiums.
ACA Plan Features
Preventive care services are free, but ACA health plans may require you to pay a deductible for other services. In those cases, you’ll pay the deductible plus a percentage of the leftover cost.
Each plan includes a maximum out of pocket amount that you’re required to pay for covered services.
When you have an ACA plan, you’ll generally need to use hospitals and doctors in a provider network.
Government subsidies are available to some low-income plan participants, which help pay for their monthly premiums.
If an ACA Marketplace health insurance plan sounds like a good fit for your needs, speak with a licensed insurance agent in Kansas for expert guidance.
What is a
PPO Plan?
A Preferred Provider Organization (PPO) is a managed care health plan that includes a contracted network of participating providers.
Although there are several types of health insurance to choose from in Kansas, PPO plans are one of the most popular because of the flexibility they offer.
PPO plan members can visit any in-network hospital or doctor without choosing a primary care physician. Referrals aren’t usually required to see a specialist. If you choose to use out-of-network providers, you won’t be able to take advantage of the best rates.
PPO private health insurance plans can be customized to fit individual or family needs.
- Enroll anytime
- Premiums are not based on your income
- Medical underwriting is required
- Open networks (PPO)