If you are seeking insurance
in the state of Kansas, there are some things you should be
aware of before choosing a health insurance company. There
are laws set in place by the state and federal government
that are intended to protect the rights of individuals. We
will briefly discuss the most important regulations that can
affect you.
Kansas has two basic policy provisions. They
do not allow an insurance company to cancel a policy based
on the physical health of an insured individual. They can
cancel an insurance policy for other things like contract
violation and lack of premium payment.
Also Insurance companies can only exclude coverage
of a pre-existing condition for a maximum of 12 months. For
individuals this is a good thing. Most states allow insurance
companies to permanently exclude pre-existing conditions.
If an individual stays continually covered they
can use their exclusion time is credited to their new policy.
This means if they started a policy with once company and
passed six month of their waiting period, the six months in
credited the their new insurance company.
Insurance companies in Kansas have the
freedom to turn down an applicant if they do not meet certain
health restrictions. They also have the freedom to set their
premium at whatever rate they feel is reasonable.