KHC has joined the Kentucky Ag Health Care Trust and through this relationship, eligible horticulture businesses can choose from 21 different Anthem health insurance plans offered through the trust. Several frequently asked questions are listed below. Other questions can be submitted to info@kyhortcouncil.org.
Why would I be interested in this program? Small employers can join the Plan to leverage the purchasing power of a large group. Often this results in access to better plans and better pricing.
How do I know if I’m an eligible business? If you are engaged in a horticulture-related operations, have at least two employees (including yourself), and are a member of one of the KHC member organizations, you are most likely eligible.
What are the plans like? There are 21 different Anthem health insurance plans and additional benefits offered through Anthem and Delta Dental.
Where do I start?
- Check with your respective member organization that your membership is up-to-date.
- Make a list of your employees.
- Contact Melissa Hinton (The Hinton Agency; 859-351-6559) to fill out the paperwork to get started on a quote.
- Review and analyze quote to determine if the option is suitable.
- Complete paperwork and join KHC as an employer-member ($25; download the application to join KHC)
How much will my premiums be? Premiums will depend on your unique business. Call Melissa Hinton (The Hinton Agency; 859-351-6559) to get started on a quote.
I just signed up for insurance coverage in December. Do I have to wait until open enrollment next year? No, access to KHC’s program is a qualified event and you can change to a different plan now. Renewals will be in December of each year.
My business is a single operator with a few part-time seasonal employees, can I join the program? Probably not. At this time, the Plan requires at least two full-time (30 hours or more) employees. Please note that these two employees can be from the same family – for example an owner and spouse being paid by the business.
Can my personal agent get me into one health insurance plans? No, only authorized brokers can quote and write these policies. Call Melissa Hinton (The Hinton Agency; 859-351-6559) to get started on a quote.
See details of the Trust in handouts passed out at meetings or download the application to join KHC.