Health Insurance

Types of health insurance policies in Kentucky

There are basically three major types of health insurance policies for Kentucky residents to choose from -consumer-directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.


A consumer-directed health plan (a.k.a. "consumer-driven" or "consumer choice") is a newer type of healthcare plan that's designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses.

Fee for Service

A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.

Managed Care

Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.

Advantages and benefits of life insurance

Having the right life insurance is essential to planning for your present, and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.

Common Health Insurance Terms

When discussing health insurance, it helps to understand some of the common terms you'll run into. Below you'll find definitions to some of the most common health insurance terms.


The amount of money you pay toward medical bills before your insurance coverage begins.


A specified amount of money you pay up front for doctor visits and prescription refills.


The percentage of medical bills you pay after meeting the deductible.

You can trust our knowledge and experience

There have been many recent changes in health care reform laws. Our mission is to use our knowledge to assist you in making sound, cost effective decisions based on your needs.

Many individuals and employers alike are unware of the massive cost saving strategies that are available with some of the newest changes.

Tom Roberts leads the life and health portion of our agency. He has worked in the insurance industry for 25 years and is an expert in the recent changes in health care.