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The State of Kansas provides comprehensive health coverage to its constituents. It controls the health insurance in the state and authorizes insurance companies to operate after passing stringent regulations.

Health Savings Accounts. High deductible health insurance coverage policies are available in Kansas. The HSA offers this high deductible health plan, along with tax savings, and the opportunity to keep the policy after you are qualified through Medicare for tax-free withdrawals of medical expenses. The Kansas Insurance Department pre-approves the qualified policies before being marketed by authorized companies. You must have a high deductible health plan so you can open up an HSA account.

Health Card. Although health cards are actually not a health insurance in itself, it can still provide you some protection from financial losses when health problems arise. They have the advantage of being way cheaper. Health cards offer discounted prices on medical services. However, note that the Kansas state does not have control over health cards and do not have authority over them. Check to see whether or not you are getting a good deal before getting one.

Kansas Health Insurance Association. Generally, insurance companies have the right to reject your insurance application if they deem so. However, you can qualify as a HIPAA-eligible individual, and you can be given the right to obtain insurance through the KHIA. Those who have been denied coverage in Kansas can still have the chance to get a health insurance. Plans with the KHIA allow you to choose your medical provider, but you will pay a higher percentage if you choose one who is not part of your network. Plans with the KHIA range from $1,500 to up to $10,000.

Small Business Health Insurance. In Kansas, health insurance tax credit has now been doubled from $35 to $70 a month for every employee for establishments who have between 2-50 employess which have not provided health insurance benefits for the past two years. Most HMOs or health maintenance organizations in the state offer benefits to small scale employers. The Prompt Pay Act. This regulation, approved in 2001, establishes a framework to promote timely payment for health insurance claims. This means that the insurance company only has 30 days to pay you the claim. If they fail to comply, an interest equal to 1% of the billed charges will be accrued per month, and is payable to the one submitting the claim. This act is only applicable to individual or group medical plans and hospital policies.

Kansas Healthwave 21. This insurance plan is provided to children aged 19 years old or younger of poor families whose earnings are less than 200% of the federal poverty level. Medicaid. This is a government program which helps the poor and the indigent to get health care services.