State Insurance Choices Dwindle

By: Jim Burress
By: Jim Burress

"It's important for parents out there to know what's happening and to know they don't have to take what was dished out to me, which was dished out to a lot of parents out there."

Osi Onyekwuluje is talking about a situation he recently encountered when he took his child to the doctor for a routine physical. His insurer, Bluegrass Family Health, provided coverage for one annual visit under his policy; however, it denied the claim stating it "was for not-covered services under (his) contract."

Onyekwuluje appealed the decision to the insurer, which denied the claim a second time. He then appealed to Kentucky's Department of Insurance who is investigating. Since then, the claim has been paid.

Onyekwuluje says it's only because he's a lawyer did he know his insurer was in the wrong. He says be sure and know your policy, and if a claim is denied that should be paid, know you can appeal the decision to the state.

All this comes as insurance providers for state employees dwindle to one choice for many counties. Recenlty, Anthem Blue Cross-Blue Shield announced it is pulling coverage from more than 50 counties.

Listed below are the counties in south-central Kentucky as well as what choices are available for public employees:

Adair: Bluegrass Family Health, CHA
Allen: Bluegrass Family Health
Barren: Humana
Breckinridge: Bluegrass Family Health
Butler: Bluegrass Family Health
Christian: Anthem BC/BS, Bluegrass Family Health
Clinton: CHA, Humana
Cumberland: Bluegrass Family Health, CHA, Humana
Daviess: Anthem BC/BS
Edmonson: Bluegrass Family Health
Grayson: Bluegrass Family Health
Green: Bluegrass Family Health, Humana
Hardin: Humana
Hart: Bluegrass Family Health, Humana
Hopkins: Anthem BC/BS, Humana
Larue: Humana
Logan: Bluegrass Family Health, Humana
McLean: Anthem BC/BS
Meade: Humana
Metcalfe: Bluegrass Family Health, Humana
Monroe: Bluegrass Family Health
Muhlenburg: Anthem BC/BS, Bluegrass Family Health, Humana
Ohio: Bluegrass Family Health, Humana
Russell: CHA
Simpson: Bluegrass Family Health
Taylor: Bluegrass Family Health, Humana
Todd: Anthem BC/BS, Bluegrass Family Health
Warren: Bluegrass Family Health, Humana

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