Friday, March 6, 2009

Government regulation of insurance

When shopping for insurance or looking for health assistance, it can be puzzling as to which agency regulates or provides which kind of insurance. The Kansas Insurance Commissioner's office regulates commercial insurance companies in Kansas. The Kansas Health Policy Authority provides and regulates the state employee health insurance plan as well as state assisted health plans like Healthwave and Medicaid. The Kansas department of Social and Rehabilitation Services provides general medical assistance to those who qualify. Lastly, the Kansas Department of Labor provides unemployment insurance. Follow the links below for more valuable insurance consumer information!

Kansas Insurance Commissioner's homepage
http://www.ksinsurance.org/

Insure U- a website for consumers to learn more about the ins and outs of insurance
http://www.insureuonline.org/index.htm

ABC's of insurance: a primer
http://www.ksinsurance.org/consumers/docs/Primer_Online.pdf

How to fight suspected insurance fraud
http://www.ksinsurance.org/fraud/fightfraud.htm
or
http://www.ksinsurance.org/fraud/SCCbrochure.pdf

Health Insurance Reform in Kansas:
http://www.khpa.ks.gov/health_reform/download/2009_Health_Reform_Recommendations.pdf

Auto insurance:
Shopper's guide from the Insurance Commissioner's office:
http://www.ksinsurance.org/consumers/docs/2008AutoSGOnline.pdf

Compare auto insurance rates:
http://www.ksinsurance.org/consumers/comparerates/autoins.php

Home/Renter's insurance:
A primer from the Insurance Commissioner:
http://www.ksinsurance.org/consumers/docs/2008HomeSGOnline.pdf

Chart comparing Kansas home insurance companies:
http://www.ksinsurance.org/consumers/docs/2007ComplaintRatioOnline.pdf#page=11

Turned down? Ask about the Kansas FAIR Plan:
http://www.ksinsurance.org/consumers/homeinfo.htm (scroll to the bottom)

Health insurance:
A primer for health insurance:
http://www.ksinsurance.org/consumers/docs/2008Healthbook.pdf

Kansas Health Policy Authority homepage
http://www.khpa.ks.gov/

Information on buying long-term care insurance:
http://www.ksinsurance.org/consumers/docs/2008LTCSGOnline.pdf

And from the Kansas Department on Aging: http://www.agingkansas.org/CultureChange/Culture_Change_Index.html

State Employee healthcare plan:
http://www.khpa.ks.gov/sehp/default.htm

State assistance for health insurance- Medicaid and Healthwave
http://www.khpa.ks.gov/healthwave/default.htm
or
http://www.kansashealthwave.org/

or for general assistance with disabilities
http://www.srskansas.org/ISD/ees/ga.htm

How to apply for assistance:
http://www.khpa.ks.gov/medical_assistance/apply_for_assistance.html

Unemployment:
https://www.uibenefits.dol.ks.gov/

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