These are items tagged with `Kansas Insurance Department`

Other Types of Coverage

Not all coverage happens within the health insurance marketplace.

Auto Insurance

Get the run-down on what kinds of insurance are available and what you need to drive legally.

Insurance Information by Life Stage and Life Events

Learn how to prepare for various changes you'll experience in life.

Where To Find Help Enrolling in Healthcare Coverage

There are man resources to help you find good coverage.

Health Insurance

There are many available resources to help you understand and navigate the health insurance market.

Create an Income Stream

Taking initial withdrawals of 4% or considering annuities are often recommended to retirees.

Life Insurance Term Dictionary

Decode some of the terminology used in life insurance here.

Health Insurance Term Dictionary

Decode some of the terminology used in health insurance here.

Young Singles

Learn about auto, home, health, and life insurance.

Parts of Medicare Affected by the Affordable Care Act

Some parts of Medicare are changing because of the ACA.

Tax Credits

Tax credits help people who can't afford coverage.

Do Plans Offered Through the Health Insurance Marketplace Have Big Out-of-Pocket Costs?

Out-of-pocket costs depend on the plan, but there is a cap.

Costs and Assistance With Costs

Learn what helps you have to pay for coverage.

What Happens if I Don't Satisfy the Individual Mandate?

Without an exemption, you pay a tax penalty.

Your Appeal Rights and Complaints

Know your rights and how to defend them.

Discrimination and the New Rules About Insurance Premiums

The ACA forbids discrimination and setting premiums based on anything other than age, location, tobacco use, and family composition.

What Is the Prompt Pay Act?

The Kansas Health Care Prompt Payment Act establishes what prompt payment of health insurance claims means.

Comparing and Understanding Plans

Responses to commonly asked questions.

Grandfathered Plans

A plan that has existed since before the Affordable Care Act was passed.

How Do I Find Out What Drugs a Plan Covers?

Health insurers keep lists of drugs that are covered under each plan.

Can a Person's Health Condition Affect Their Coverage?

No, you are protected from this happening.

Navigating Health Plans

Getting adequate coverage is important for you and your loved ones. Make sure you know what you need.

Health Insurance & Affordable Care Act

There are many available resources to help you understand and navigate the health insurance market.

Services Provided Under Medicare Supplement Policies

A list of what you can expect a Medicare Supplement policy to cover.

Medicare SELECT Insurance

Medicare SELECT insurance have specific hospitals you must use for full benefits.

Understand Your Rights

Protect yourself by upholding your rights.

Medicare

Medicare is a 4 part federal insurance program

Shopping Tips

A dozen tips to keep you safe and your money best spent.

Partnership Plans

Partnership plans provide dollar-for-dollar asset protection should you ever need to apply for Medicaid.

Optional Provisions or Riders

Learn about inflation protection, waiver of premium charges, & nonforfeiture benefits.

Daily Benefit Amount

Learn about acuatl expense and indemnity policies.

The Elimination Period

The shorter the elimination period, the higher your premium.

Who Should Consider Long-Term Care?

Learn what to look at to see if long-term care might be right for you.

Homeowners Insurance Rate Increases

Learn some of the factors why your policy rate might increase.

Coverage Over Damages & Repairs FAQs

When something goes wrong and needs fixing, know if you're covered.

Homeowners Insurance: Types of Property Coverage

Know if your coverage will cover your property needs.

Homeowners Insurance: Personal Liability Coverage

Know what liabilities you run the risk of occurring.

Buying Coverage That Fits Your Needs

Make sure your coverage needs and your wallet meet at the right place.

Extra Types of Coverage You May Want

These may include inflation guard coverage, scheduled personal property coverage, fire and extended coverage, flood insurance, earth quake insurance, and an umbrella liability policy.

Do I Have To Purchase Homeowners or Renters Insurance?

No insurance is legally required, but you mortgage company may demand it.

Insurance Coverages for Renters and Condominium Residents

Know what's covered and what's not in your policy.

What Are Renters and Condominium Insurance?

What you need to know when renting or owning a condominium.

What Happens If You Stop Paying Premiums

If you do not pay the premiums within the grace period and do not have an automatic premium loan provision, you can surrender you policy for its cash value.

Dividends and Your Options

You typically have 5 options: a cash payment, premium deduction, interest option,dividend addition, or one-year term policy.

Nonforfeiture Options

If you can’t make the premium payments, your insurance will quit covering you. These are two options when you can’t make the premiums but still want life insurance coverage.

A Few Common Provisions

The incontestability provision,the misstatement of age provision, the suicide clause, and various settlement options.

Cash Surrender Value

Cash surrender value is the amount available when you cancel or “surrender” a whole life policy.

Protecting Your Beneficiaries

Benefit Your Beneficiaries.

Applying for Life Insurance

Avoid fraud and uninformed decisions. Know your rights.

Basic Life Insurance Plans

There are many variations of life insurance plans, but the two most common are 'term' and 'whole life' insurance.

Who Needs Life Insurance?

There are many factors to consider when looking into a life insurance policy.

Life Insurance: Extras and Riders

A rider is additional coverage added to life insurance that was not included in the original policy.

Life Insurance

Life insurance covers your loved ones in the case of your death.

Tips For Lowering Your Auto Insurance Premiums

Easy ways to knock a few bucks off your premiums.

Auto Insurance Tips

Things you should consider when dealing with auto insurance.

Filing Claims

Know who to call and when to call them when you're filing a claim.

What You Should Do When No Insurance Company Will Offer You an Auto Policy

How to get insurance when no one is offering it to you.

How Your Auto Rates Are Determined

Know what insurance companies are looking at.

Auto Insurance FAQs

Have questions about auto insurance?

Avoiding Insurance Fraud

7 simple guidelines to keep from becoming a victim.

Reporting Insurance Fraud

File a complaint with the right people.

What Does Insurance Fraud Look Like?

Learn about internal and external insurance fraud.

Identity Theft Insurance

Check your homeowners insurance policy for coverage.

Speakers Bureau

Request a speaker from one of the KansasMoney.gov agencies today!

File a Complaint

We need your help identifying fraud and abuse.

Insurance

There are many different kinds of insurance to help protect you financially.

Kansas Insurance Department

The Kansas Insurance Department regulates and reviews insurance companies' financial competence and regulatory compliance.

Questions to Ask Before Signing

If you’ve decided that an annuity makes sense for you, here are several key questions to ask yourself before signing any paperwork.

Fixed and Variable Annuity Expenses

The fewer features, the less fees.

Tax-Sheltered Annuity

A TSA, which is authorized under section 403(b) of the Internal Revenue Code, allows specific groups and individuals to purchase annuities that are paid for through payroll deductions on a tax-deferred basis.

Fixed Annuities

A fixed annuity earns a guaranteed rate of interest for a set time.

Variable Annuities

Higher risk, but potential for higher reward.

Annuities

An annuity is typically part of a retirement investment.

Deferred Annuities

There are a number of situations a deferred annuity may be the right choice for you.

Insurance Fraud

Insurance Fraud

Healthcare Reform Overview

Learn what "Obamacare" is and what changed with it.

Tips and Warnings

Keep yourself safe and covered with these guidelines.

Kinds of Long-Term Care Policies Available

Long-term care insurance policies are not standardized like Medicare supplement insurance: Each policy is different.

Consumer Protections in Kansas

Learn about "free look", third party notification, inflation protection, and "guaranteed renewable" here.

Homeowners Insurance: Pricing and Underwriting

Both personal and private factors contribute to the cost of your coverage.

Cancellation and Nonrenewal of Your Policy

Who, when, and why your policy may no longer be possible.

Shopping for Life Insurance

Learn a few tips to keep you safe and your money best spent.

Finding the Right Insurance Agent

Picking the right insurance coverage for you and your family is also about finding the right insurance agent.

Tax-Deferred Accumulation

Under current federal law, annuities receive special tax treatment.

How Your Annuity Can Be Paid to You

The most common ways are life only, period certain, life with period certain, or joint and last survivor.

Immediate Annuities

There are a number of situations an immediate annuity may be the right choice for you.

When You Can Start Getting Money From Your Annuity

Either you will receive payments within a year or you will wait awhile.

Quiz: Should I Consider Immediate or Deferred Annuities?

A short quiz to help you navigate what you might need.

Video: Personal Home Inventory

Keep track of what your own and its value.

Young Families

Learn about auto, home, health, and life insurance.

New Home

How to keep up with your change in circumstances.

Turning 50

Turning 50 means you need to think through issues now to avoid problems later.

Entering Parenthood

New Children mean new insurance changes.

Indexed Annuities

An indexed annuity is a kind of fixed annuity that grows according to a variable rate.

The Costs of Long-Term Care

In 2015, the average cost of care in a Kansas nursing home was $60,225 per year. Learn about more more costs here.

Designing Your Long-Term Care Plan

Learn the basics of what a plan covers and what you should look for.

Home Insurance Terms Dictionary

Clarify some of the terminology used in home insurance here.

Dwelling: Replacement Cost Coverage

Don't confuse market value and replacement cost.

Actual Cash Value

The cost it would take to repair or replace your home after depreciation.

Homeowners & Renters Shopping Guide

A quick, easy tool to be an informed buyer.

Qualifying for Long-Term Care Coverage

Learn the basics of what it means to "qualify", and how you can understand the factors that might affect your qualifications.

When Am I Eligible To Use Long-Term Care Insurance?

In order to use your long-term care insurance benefits, you must meet the qualifications outlined in your policy.

Tax-Qualification

Your benefits could not be taxed as income and you could deduct some of your premium from your federal taxes.

Annuities and Life Insurance Policies Qualifying

Some life insurance policies and annuities may be considered a qualified long-term care policy if they provide certain longterm care benefits as a rider or part of the contract.

Length of the Benefit Period

The premium cost will be higher if you choose a longer benefit period. 

Where Care Is Received

Long-term care plans are not standardized.Be sure you understand the kinds of facilities your policy will cover.

How to Enroll in Medicare

Learn the ins and outs of how and when to enroll in Medicare.

Helpful Resources

A guide to finding someone to help you make the right decisions about Medicare.

Life and Viatical Settlements

These are both a sale of your policy to a company for money.

Auto Insurance Shopping Guide

A quick, easy tool to be an informed buyer.

Tips for Young Drivers and Their Parents

Find out how to keep your costs down with coverage of young drivers.

Termination of Your Personal Auto Policy

Understand when and why your policy can stop.

Medicare Part A

Part A of Medicare was created to cover inpatient care in hospitals, skilled nursing facilities, hospice, and some home health care.

Medicare Part B

Part B of Medicare covers most doctor services, some outpatient hospital, and home health care services: this includes some physical and occupational therapy.

Medicare Part C

Medicare Advantage Plans are an alternative way of receiving Part A and Part B coverage.

Medicare Part D

Medicare provides prescription drug coverage to help enrollees pay for the drugs they need to stay healthy.

Lower Your Costs During the Part D Coverage Gap

4 simple steps to help make your money go farther.

How Other Insurance Works With Medicare Part D

Know how your other insurance plans work alongside Medicare Part D.

Types of Insurance Fraud

Learn about the various types of insurance fraud here.

5 Things to Consider When Looking at a Medicare Advantage Plan

5 questions to answer before buying a Medicare Advantage Plan.

Vehicle Insurance Scams

Avoid getting scammed by knowing the telling signs.

Medicare Terms Dictionary

Decode some of the terminology used in Medicare here.

How Supplemental Insurance Premium Rates Are Determined

Premium rates for Medicare supplement insurance policies are determined by either issue age or attained age.

Medicare Supplement Insurance Shopping Guide

A quick, easy tool to be an informed buyer.

What Services/Benefits Must Plans Cover?

Find out what protection a plan must have.

What if I Don't Need All of the Benefits in a Plan?

No, you can't take benefits out of a plan.

Preventive Benefits

Preventive Benefits screen for early detection of health conditions and many are usually covered.

In-Network and Out-of-Network

Figure out which providers are in your network and be sure to use them.

Enrollment

Enrollment is typically annual, but there are some special exceptions

Available Plans Through the Health Insurance Marketplace

Health plans sold through the Health Insurance Marketplace must meet comprehensive coverage standards for items and services.

How to Keep Safe and Avoid Fraud While Looking For a Plan

NEVER sign something until you have read it and made sure you understand every line.

Who Can Buy a Plan Through the Health Insurance Marketplace?

The majority of Kansans are able to buy a plan through the marketplace.

What Is the Health Insurance Marketplace?

Learn where to shop for health insurance.

"Accreditation Status” and “Consumer Experience”

See how people are satisfied with their plan and make sure the plan is certified.

Exemptions to the Individual Mandate

There are some cases where there is no penalty to not having coverage.

What if I Already Have Health Insurance Coverage?

Make sure you have basic essential coverage.

People Who Can Help You Make Decisions About Coverage

Understand insurance agents, navigators, and certified application counselors.

Established Families

Learn about auto, home, health, and life insurance.

Seniors and Baby Boomers

Learn about auto, home, health, and life insurance.

New Car

Learn about how insurance changes when you buy a car.

Marriage

Changing your insurance for when you say "I do".

Medicare Supplement Policies

Medicare was never intended to pay 100% of medical bills. Medigap can help cover some of those expenses.

How Medicare Is Divided

Medicare has four parts and each part covers different parts of health insurance.

Long Term Care

Long-term care covers when you need help taking care of yourself long-term.

Shopping for Health Insurance Coverage

Getting the best coverage isn't as hard as you think, it just takes a little time.

Annuity Terms Dictionary

Clarify some of the terminology used in life insurance here.

Health Insurance Marketplace Basics

Find out what you need to know to keep yourself covered.

After-Tax Contributions

Thinking through your financial needs can save you from penalties and extra taxes later.

Home Insurance

Learn how to keep your home and belongings safe and covered under insurance.

Important Policy Provisions

Every policy is different, but you will want to pay attention to how each handles these issues.

Options for Paying Premiums

Either you make one payment or several ones over a period time.

Annuity Tax Considerations

Things to consider about taxation when looking at Annuities.

Ways An Annuity Can Earn Interest

Learn about fixed rate and variable annuities.

When a Vehicle Must Be Repaired

When insurance covers your repairs, there are a few facts to know.

When a Vehicle Is Declared Totaled

Learn your options when your car is totaled.