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Kentucky Medical Insurance in 2008
Employer health insurance is the most common type of health insurance in Kentucky, covering 54% of the population. Medicaid covers 14% and Medicare covers 13%. Sixteen percent of the people in Kentucky are uninsured.
Kentucky Access offers high risk pool insurance for individuals whose medical conditions prevent them from getting affordable health insurance. There are limits on the insurance premiums that can be charged to people who participate in this program.
Kentucky Medicaid Programs
Minors, pregnant women, and disabled persons who meet strict income guidelines may qualify for Kentucky’s Medicaid program. The Medicaid program offers four distinct packages. Global Choices is a package for pregnant women, disabled adults, medically compromised children, and foster children. It offers good basic medical coverage but no long term care.
Family Choices is a program for children whose parents cannot afford to insure them. Family Choices encompasses Kentucky’s SCHIP program. Optimum Choices offers long term care for developmentally disabled adults and Comprehensive Choices offers long term care to the elderly and disabled.
Health Comparison for Kentucky
Kentucky scores well in the number of women who receive prenatal care during their first trimester. Compared to other states, Kentucky also has a low HIV/AIDS mortality rate.
An area in Kentucky’s healthcare system that has potential for improvement and growth, according to the U.S. Department of Health and Human Services, is cancer mortality. Compared to other states, Kentucky has a relatively high rate of cancer deaths, especially deaths from lung cancer.
The Centers for Medicaid and Medicare (CMS) recently granted Kentucky a waiver to use Medicaid funds to set up expanded services for adults with brain injuries. The goal of this program is to keep brain-injured adults in the least restrictive setting possible.
