kentucky guide to health insurance

Or call toll-free
1-800-413-6410

Kentucky health insurance exchange

Another successful start for Kynect

Share this:

Kynect is again making headlines as one of the nation’s best health insurance marketplaces. The second open enrollment period started on Nov. 15. Kynect operated smoothly, with the Office of the Governor reporting that 1,183 people enrolled or re-enrolled in private health plans and 735 people signed up for Medicaid during the first weekend.

The 2015 enrollment period continues through Feb. 15, 2015.

Enhancement for 2015

Even though Kentucky’s state-run marketplace was already one of the nation’s most successful exchanges in 2014, officials worked hard to make improvements and updates to make the second open enrollment even better.

Kynect met with brokers, insurance carriers, and Kynectors (navigators) to get feedback and learn what areas need improvement. Enhancements include:

  • The call center increased staffing levels for the 2015 open enrollment period, and it underwent a systems upgrade that will reduce wait times and along more efficient operations.
  • More agents, brokers, and Kynectors are participating in the 2015 open enrollment.
  • Kynect debuted a mobile app to enhance outreach and customer service, especially for the under-35, “young invincible” population. The app allows users to check plan options and see rates, and then complete their application on the kynect website. As of Nov. 17, nearly 1,400 people had downloaded the app.
  • Kynect launched a full-service enrollment center at the Fayette Mall in Lexington. About 1,200 people visited the center during the first weekend of open enrollment.

2015 options on Kynect

If you bought health insurance through Kynect for 2014, you’ll be automatically signed up for the same plan in 2015. However, a new plan might be a better option for you in 2015. Some plans have changed, and if you’re eligible for a subsidy, that may have changed, too. Take time to look to actively re-enroll, or contact a Kynector or insurance agent for help understanding all of the details.

Kentucky accepted the Obama administration’s March proposal to allow “grandmothered” 2013 (non-ACA-compliant) plans to be renewed for up to two more years, so residents who kept their 2013 plans will have the option to extend their plan again into 2015 and skip open enrollment. However, Kynect is actively marketing to this group, letting them know that they may be able to get a better plan with a lower premium if they purchase new coverage through Kynect.

Five insurers are participating in Kentucky’s individual marketplace during 2015 open enrollment: Anthem Blue Cross and Blue Shield, CareSource, Humana, Kentucky Health Cooperative, and Wellcare of Kentucky. WellCare and CareSource currently offer Medicaid managed care plans in Kentucky, but have not previously participated in the private individual market.

In addition, two dental carriers, Dentegra and Delta Dental of Kentucky, are also offering plans through Kynect for 2015.

Impressive coverage gains in 2014

During the open enrollment period for 2014 coverage, 82,747 people selected a private health plan and 357,990 qualified for Medicaid or the Children’s Health Insurance Program (CHIP).

During the first half of 2014, Kentucky had the second-highest drop in uninsured rate in the country, going from 20.4 percent uninsured in 2013 to 11.9 percent at the end of June 2014.

Kynect officials said about 75 percent of those who signed up for coverage did not previously have insurance. To help people who have little experience with the health care system or health insurance, the exchange has worked to create a consumer guide called “How to Kynect” and is providing it to new enrollees in order to help them learn how to select a primary care doctor, when to seek health care, when to visit the ER, how to use the pharmacy benefits on their plan, and understand insurance terminology.

History of Kentucky’s exchange

Kynect was one of the few marketplaces established through an executive order. Beshear’s order to establish the exchange in July 2012 followed months of seeming inaction on the exchange by the executive and legislative branches in the state. Kynect is part of the state’s Cabinet for Health and Family Services, and it is overseen by 19-member board appointed by Beshear.

Gov. Steve Beshear went against public sentiment in deciding the state would run its own marketplace. In an article in The New York Times, Beshear urged state residents to set aside politics and use the marketplace to get insured. “You don’t have to like the president; you don’t have to like me. Because this isn’t about him, and it’s not about me. It’s about you, your family and your children.”

Kentucky spent about $11 million on outreach and marketing for 2014 open enrollment, and it trained 5,000 people to support enrollment — including state employees, insurance agents, volunteers and representative of various community groups and social service organizations. These outreach efforts drove Kentucky’s enrollment totals.

While the federal marketplace, HealthCare.gov, and multiple state-run marketplaces had significant technical problems in 2014, Kynect ran well from the start. Experts say those in charge of implementing Kynect made good choices. They kept the design simple and worked with well qualified and experienced vendors.

Kentucky health insurance exchange links

Kynect –  Kentucky’s Healthcare Connection
855-4kynect (855-459-6328)
Consumer site for Kentucky’s marketplace

Kentucky Health Benefit Exchange
Administrative site for Kentucky’s marketplace

A Healthier Kentucky

Kentucky Health Insurance Advocate, Kentucky Department of Insurance
Assists people insured by private health plans, Medicaid, or other plans in resolving problems pertaining to their health coverage; assists uninsured residents with access to care.
(877) 587-7222 /DOI.CAPOmbudsman@ky.gov