Kansas Department of Insurance
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Introduction to Health Insurance
Health Insurance Shopper’s Guide
Health insurance is an important matter for each Kansas consumer. The financial impact of illness can cause emotional and financial stress, and health insurance can help protect you against enormous health care expenses. View and download a copy of our Health Insurance Shopper’s Guide for more information.
Prompt Pay Act
The Kansas Health Care Prompt Payment Act establishes a framework for prompt payment of health insurance claims. In general, an insurer has 30 days to pay a clean claim or send a notice to the provider stating why the payment has been delayed or denied. Failure to comply with this portion of the act results in the accrual of interest equal to 1% per month of the billed charges. The interest is payable to the provider, individual, or entity submitting the claim.
An insurer may request additional information on an unpaid claim but must do so within the first 30 days. When the additional information is received, the insurer has 15 days to pay or deny the claim. Again, failure to comply with this portion of the act results in the accrual of interest equal to 1% per month of the billed charges. For more information:
Health Savings Account (HSA)
In Kansas, high deductible health insurance policies are available to consumers in conjunction with a Health Savings Account (HSA). The Kansas Legislature authorized compliance in 2004 with the plan approved by Congress and authorized insurance companies began to market approved HSA policies that year.
What are Health Savings Accounts?
An HSA is a product that offers a high deductible health plan, tax savings advantages, and the ability to keep the plan after a consumer is eligible for Medicare for tax-free withdrawals of qualified medical expenses. Consumers are able to pay for their current medical expenses and save for future qualified medical and retiree health expenses on a tax-free basis.
The Kansas Department of Insurance approves all high deductible plans sold in the state. Therefore, consumer assistance representatives are able to answer questions regarding the high deductible health insurance plans. A consumer must have a high deductible health plan in order to open up an HSA account.
More Information
- The Commissioner encourages anyone who has further questions about Health Savings Accounts to contact the Consumer Assistance Hotline at 800-432-2484.
- U.S. Department of the Treasury – basic information on HSAs, qualified medical costs, contribution amounts, and other information.
- America’s Health Insurance Plans (AHIP) – provides links to current resources about HSAs.
- National Association of Health Underwriters (NAHU) – provides information related to HSAs.
Kansas Health Insurance Information System (KHIIS) Reports
Small Business
Check out the Kansas Business Center, the official state resource for information, filings, and personal assistance to start or maintain your Kansas business. Below are additional resources for small businesses:
Tax Credits for Health Insurance
Here is a list of health insurance carriers that offer health insurance to small businesses in Kansas:
For information on the federal Patient Protection and Affordable Care Act, see HealthCare.gov.
The Kansas Department of Insurance is here to help with your insurance needs. We can also assist if you have a claims problem. Contact the Department’s Consumer Assistance Division (800-432-2484) or email KDOI.complaints@ks.gov.
Other Resources
- Kansas Department of Labor Workers Compensation, Labor Management Relations & Employment Standards, Unemployment Insurance
785-296-5000 - Kansas Attorney General
785-296-2215 or 1-800-432-2310 - Kansas State Bank Commissioner
785-296-2266 or 1-877-387-8523 - Kansas Corporation Commission
785-296-2618 or 1-800-662-0027 - First Stop Clearinghouse/Kansas Center for Entrepreneurship (dba NetWork Kansas)
877-521-8600 - Kansas Department of Revenue
785-296-1706 or 1-800-259-2829 - Kansas Secretary of State
785-296-4564 - Kansas Small Business Development Center
785-296-6514 - U.S. Small Business Administration
816-374-6380 - U.S. Social Security Office
785-295-0100
The above are links to other websites that are not maintained by the Kansas Department of Insurance. A link to another website does not represent an endorsement of that site by the Department.
Health Insurance Rate Increases
Public Disclosure and Input
Affordable Care Act (ACA) regulations require the Kansas Department of Insurance to display and allow comment on proposed Kansas health insurance rate increase requests that on average are 15% or more or are potentially unreasonable. To read a summary of the company’s review justification, select the appropriate state and company at HHS Rate Review.
Premium rate requests on the link above are open to public comment for 90 days after they are posted on this site. The rates in the documents provided at the link are requested by the carrier. The proposed revisions may not necessarily be the rates charged following the Department’s review process.
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