(859) 489-4053
Serving Kentucky & Surrounding Areas

Comprehensive Health Coverage

Your health is your most valuable asset. Our comprehensive health insurance plans are designed to give you access to quality medical care without the financial burden. We understand that navigating health insurance can be complex, which is why we're committed to helping you find coverage that truly fits your needs and budget.

Choose Your Coverage Level

Select the plan that best fits your healthcare needs and lifestyle.

Essential

Basic coverage for healthy individuals

Preventive care coverage
Emergency services
Generic prescription drugs
Telehealth consultations
Nationwide network access
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Premier

Maximum coverage with premium benefits

Everything in Preferred
No referrals required
Lowest out-of-pocket costs
Wellness program access
Vision and dental included
Concierge support
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What's Included in Every Plan

Preventive Care

Annual checkups, screenings, and vaccinations at no additional cost

Emergency Services

24/7 emergency room coverage when you need urgent medical attention

Prescription Drugs

Coverage for medications with convenient pharmacy network access

Hospital Care

Inpatient and outpatient hospital services fully covered

Mental Health

Counseling and therapy services for your emotional wellbeing

Telehealth

Virtual doctor visits from the comfort of your home

Understanding Your Options

Compare plan types to find the right fit for your healthcare needs

Individual Coverage

Perfect for single adults seeking comprehensive health protection with flexible options tailored to personal needs.

  • Customizable deductibles
  • Wide provider networks
  • Preventive care included
  • Prescription drug coverage

Family Plans

Comprehensive coverage for your entire family with cost-effective premiums and shared deductibles.

  • Cover spouse & children
  • Shared out-of-pocket max
  • Pediatric dental & vision
  • Maternity coverage

Medicare Plans

Navigate Medicare with confidence through our specialized Medicare Advantage and Supplement plans.

  • Medicare Advantage (Part C)
  • Medigap supplements
  • Part D drug coverage
  • Zero premium options

Frequently Asked Questions

Get answers to common health insurance questions

When can I enroll in health insurance?

You can enroll during the annual Open Enrollment Period (typically November 1 - January 15) or during a Special Enrollment Period if you experience qualifying life events like marriage, birth of a child, or loss of other coverage.

What's the difference between HMO and PPO plans?

HMO plans typically offer lower premiums but require you to use in-network providers and get referrals for specialists. PPO plans provide more flexibility to see any provider but usually have higher premiums and out-of-pocket costs.

Are pre-existing conditions covered?

Yes, under the Affordable Care Act, health insurance plans cannot deny coverage or charge higher premiums based on pre-existing conditions. All plans must cover pre-existing conditions from day one.

What is a deductible and how does it work?

A deductible is the amount you pay out-of-pocket for covered services before your insurance begins to pay. For example, with a $2,000 deductible, you pay the first $2,000 of covered services, then your insurance kicks in.

Do I need to see my primary care doctor for referrals?

It depends on your plan type. HMO plans typically require referrals from your primary care physician to see specialists. PPO and EPO plans usually allow you to see specialists directly without a referral.

Why Families Trust BH Healthcare

For over a decade, we've helped thousands of families in Kentucky and surrounding areas find the perfect health insurance coverage. Our commitment goes beyond just selling policies—we're your advocates in navigating the complex world of healthcare.

10,000+
Families Protected
98%
Satisfaction Rate
24/7
Support Available
Independent agents representing multiple carriers
No hidden fees or surprise charges
Personalized guidance every step of the way
Ongoing support for claims and questions

Ready to Get Protected?

Contact us for a free, no-obligation consultation. We'll help you find the perfect health insurance plan for your needs and budget.

Get Your Free Quote