Exemptions to the Individual Mandate
There are some cases where there is no penalty to not having coverage.
Insurance fraud costs every Kansas family approximately $350 a year in higher premiums. This money goes to pay for fraudulent actions made by individuals providers or agents. In 1994 the Kansas Legislature made insurance fraud a crime in the state of Kansas.
Don't become a victim of insurance fraud. Keep in mind these simple guidelines to avoid becoming a victim:
Be suspicious of an agent that will only accept premium payments in cash, money orders or cashier checks.
You, the buyer, never receive a policy.
Think twice if an agent pressures you to buy immediately because "this is your last chance."
A hospital or medical provider bills you for procedures not performed or for office visits you did not attend. Read and examine your Explanation of Benefits.
You're in a minor accident and someone gives you the name of a doctor or lawyer who can "make you some money".
An agent helps you fill out your medical history for a policy and suggests you not tell the insurance company certain information.
Your agent tells you your life insurance policy is being discontinued and you can get a better policy by using the accumulated cash value of the so called "discontinued" policy to pay all the premiums.
This article is published on KansasMoney.gov. Find more information by contacting these state agencies: