Health Insurance
Health Insurance for Individuals and Families
Helping You Save On Health Plans & Providers You Trust
We can help you find a variety of Medicare and private medical insurance plans to meet your individual or family’s needs. Our Kansas health insurance brokers work with many insurance companies to ensure that the plans you select can save you money and offer great coverage.
Private Health Insurance
Our private health insurance brokers in Kansas can help you navigate the “Health Insurance Maze” with plans on and off the health exchange. Most people shopping for health insurance are individuals, families, small business owners, or someone who loses a group plan and realizes how expensive COBRA can be (not to mention that, in most cases, it only lasts for 18 months).
Health Sharing Plans
Health-sharing plans bear many similarities to traditional insurance, but it’s crucial to understand their differences. Some familiar companies in this sector include Medishare, Oneshare Health, Zion, and Christian Health Ministries. Health sharing is essentially not insurance, although it operates very similarly in many ways. Each plan has different guidelines regarding pre-existing conditions, so it’s important to fully understand the associated risks.
Private + Health Sharing
Consider different health insurance options, such as traditional health insurance plans, Short-Term Medical Plans, or Health Sharing Plans. In most cases, deductibles range from $5,000 to $8,000 or more for individuals in Kansas. Although lower deductibles are available, they usually come with higher monthly premiums. Supplemental health insurance plans can help bridge these gaps. There are various types of supplements available, including Hospitalization, Surgery, ER, Ambulance, Accident, Cancer, Heart, and Stroke coverage. Most of these plans provide direct payment to the insured without requiring a deductible, offering “first-dollar coverage.”
Affordable Healthcare
The Affordable Care Act, also known as Obamacare, faced initial difficulties when it was introduced. Initially, there were very few insurers in each state. However, over the last few years, most states have seen an increase in companies offering insurance plans. Combined with the recent ‘CARES Act,’ these plans have become much more affordable, with some high-deductible bronze plans being offered at $0. In Kansas, our health insurance brokers at ICT can help you explore all your options, ensuring you feel financially secure and comfortable in navigating this complex system. Let an expert at ICT assist you with the process.
Life Insurance
We have advanced technology that allows us to thoroughly research dozens of carriers to ensure that you get the best rate possible. It’s important to note that many life insurance premiums have decreased over time. Just like with health insurance, there’s absolutely no reason not to have one of our licensed life insurance agents in Kansas explore the market for you, especially if it’s been more than a few years since your last review. It’s highly likely that you may be overpaying or have inadequate coverage due to the changes that occur over time.
Trusted Partners in Health, Life, & Medicare Coverage
ICT Insurance is Proud to Offer Health, Life, & Medicare Solutions Nationwide
ICT Insurance is fully licensed to sell health insurance, life insurance, and Medicare in the following states: Alabama, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maryland, Michigan, Mississippi, Missouri, Nebraska, New Mexico, New York, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, and Wyoming. Explore our coverage map to see where we can assist you with your insurance needs. For more information specific to your state, please contact ICT Insurance.
Countdown to Annual Enrollment Period
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October 15, 2024
Health Insurance FAQs
Why do I need health insurance?
A key reason why health insurance is important is because you cannot predict your future health care costs. In some years, your medical expenses may be low. In other years, you may have a serious illness or accident that can be very expensive. Most health plans have deductibles and out-of-pocket limits that help protect your finances from these unpredictable expenses.
What is a deductible?
A deductible is the amount you need to pay for medical services yourself, before insurance begins paying its share of the cost. For example, if your health plan has a $1,000 deductible and you go to the doctor, you’ll pay $50 out of pocket — but once you’ve paid $1,000 in covered expenses during a service period (usually each calendar year), your insurance will start paying 100 percent of your health care costs.
What is a premium?
A lot of people don’t understand what a premium is. A premium is the fee you pay every month to have health insurance. It’s the fee that covers the cost of co-pays at the doctors, emergency transportation to hospitals, or prescription medication if you are on any kind of drug treatment. Your premium is what helps your health insurance company cover their costs, and stay in business. That means they don’t have to raise your rates year after year because they aren’t losing money every month.
What is a health savings account?
HSAs are like any other savings account, except the money in them is reserved for medical expenses. This type of health care plan allows you to save for the future while using the money you save to pay for current health care expenses. Plus, whatever you don’t use by December 31 can be rolled over into the next year.
Is health insurance tax deductible?
If you are self-employed, your health insurance premiums can be deducted on your return. If you, or your spouse, are covered under another plan, the premiums cannot be deducted. You may deduct any contributions you make to a qualified health savings account (HSA).
When is open enrollment for health insurance?
The open enrollment period for ACA Marketplace health insurance for the 2025 coverage year runs from November 1, 2024, to January 15, 2025. To have coverage start on January 1, 2025, you must enroll by December 15, 2024. However, it’s important to note that open enrollment dates may vary by state. Some states with their own health insurance exchanges may extend their enrollment periods beyond January 15. We recommend contacting an agent for more information specific to your state to ensure you have the most accurate and up-to-date details regarding open enrollment deadlines.
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