Frequently Asked Questions

Below we have listed some of the most frequently asked questions by individuals to help you better navigate through kynect.

Browse Frequently Asked Questions

Application Process
When does open enrollment start again?
Open enrollment for health coverage in 2015 begins on November 15, 2014 and ends on February 15, 2015.
Can I still apply for Medicaid and KCHIP?
If you are eligible for Medicaid or KCHIP, you can sign up at any time.
Can I still fill out an application?
Yes. If you are not eligible to enroll at this time, the system will tell you.
How do I file a paper application?
You can apply for health coverage using a paper application, but the process takes longer than other faster methods, such as online, by phone, or getting help from an insurance agent or kynector. Here are some of the benefits of applying online, by phone or in person:

  • Simpler and faster. By applying online or by phone, you will only answer questions that apply to you. You will not waste time answering questions you do not need to because the system knows what to ask based on your answers to earlier questions.

  • Real-time results. The results are given to you within minutes when applying online or through Customer Service.

  • More secure. Mailed applications contain private information and they can get lost. The information you give us using the online system or by calling Customer Service is completely private and secure.

  • Plan comparison. You can find and compare all the plans available if you go online or call Customer Service.

  • Complete process. The paper application only allows you to see if you are eligible for programs. To select and enroll in a plan, you will need to go online, call Customer Service or ask for help from an insurance agent or kynector.

We have made it easy to apply online even if you do not have a computer. Call Customer Service at 1-855-4kynect (1-855-459-6328) TTY: 1-855-326-4654 and we will take your application over the phone. Or, you can get help from a trained insurance agent or kynector who will apply online for you. Insurance agents and kynectors are able to show you all the healthcare plans that are available to you.

If you use a paper application, you are applying for eligibility. We will review your application and send you a letter. The letter will tell you if you are eligible for certain programs such as Medicaid or Payment Assistance. You will then need to use a computer or call Customer Service to select a plan from many choices.

If you want to apply by mail or fax, however, there are 5 paper applications to choose from:


Sometimes, you will need to fill out and mail additional information with your paper application. For example:


Remember, if you want to apply online, we have made it quick and easy. If you would like help from an insurance agent or kynector it is free. Click Assistance at the bottom of this page for a tool to make your search easier. If you have questions or need help, Customer Service is ready to assist you.
How do I report a change to my existing application?
You can report a change to your existing application from your personal page. In the top right hand corner, click the link that says Report a Change in Circumstances. You can also report a change by clicking Report a Change under the Quicklinks sidebar on the left side of your personal page.
How do I use my payment assistance (APTC)?
When selecting a health insurance plan, you can choose whether to use the entire value of payment assistance or just part of it. Please note: if individuals make more money than projected in the application, they may have to repay some or all of this payment assistance. They would have to pay this as part of their taxes. Individuals can choose not to receive any payment assistance help now. To do so, simply set your payment assistance payment to $0 on the shopping page. You can deduct your payment assistance on your tax return.
Who qualifies as a tax dependent?
To learn more about who qualifies as a dependent, refer to IRS Publication 501. You can go online to www.irs.gov/publications/p501/index.html. Or, call the IRS at 1-800-829-1040.
How do I apply for Long-Term Care?
The local Department for Community Based Services (DCBS) Office has applications for long term care, which includes Nursing Facilities and Home and Community Based Services. Home and Community Based Services is where a medical provider comes into the home and renders necessary services to keep a disabled individual from being institutionalized.
Information You Need to Provide
What do I need to start my application?
We have created a checklist to help you. To view it, please view the Application Checklist (PDF).
I don’t have a Social Security Number. How can I get one?
Consumers can still apply for insurance through kynect without a social security number. A social security number makes the process for applying easier and faster. If you would like to get a social security card, please visit socialsecurity.gov or call 1-800-772-1213. TTY users should call 1-800-325-0778.
What income do I include on my application?
You should include:
  • Income from your job
  • Net income from any self-employment, farm or business (generally the amount of money you take in from your business minus your business expenses)
  • Unemployment compensation
  • Social Security payments, including disability payments -- but not Supplemental Security Income (SSI)
  • Alimony
  • Retirement income, investment income (dividends, interest and capital gains), pension income, rental income, and other taxable income such as prizes, awards, and gambling winnings.
What income does not need to be reported?
Do not include child support, gifts, SSI, Social Security or other income of a dependent unless they are required to file a tax return, Veterans’ disability payments, Workers’ compensation or proceeds from loans (like student loans, home equity loans, or bank loans). You also do not have to include amounts that an employer takes out of your paycheck for child care, health insurance, or retirement plans that are “not taxable.”
What deductions should I enter?
These deductions are listed on the front page of an IRS form 1040 or 1040A, including:
  • Alimony you pay
  • Student loan interest you pay (capped at $2500 yearly)
  • Educator expenses if you’re a teacher and pay for supplies out-of-pocket (capped at $250 yearly)
  • Moving expenses if you’re moving to live much closer to your job
  • Contributions to your individual retirement account if you don’t have a retirement account through a job
  • Tuition costs for school if you deduct them on your tax return on line 34 (capped at $4000 yearly)
What deductions should not be entered?
Do not tell us about things like charitable contributions or home mortgage interest, which can be deducted in a different place on your federal income tax return. Do not enter a cost that you already took into account in your answers about net self-employment or rental income.
Some verifications have failed for my application. What documents can I provide to verify my information?
Age :

Birth Record, Drivers License, Hospital Birth Record, Newspaper Clippings, Religious Record, School Record, State Government Issued ID, Other.

AIAN Verification :

Certificate of Degree of Indian Blood, Document on Tribal Letterhead, Tribal Census Document, Tribal Enrollment Card, Other.

Alien Status :

Certificate of Citizenship in non-US country, DS2019 (Certificate of Eligibility for Exchange Visitor (J-1) Status), I-20 (Certificate of Eligibility for Nonimmigrant (F-1) Student Status), I-327 (Reentry Permit), I-551 (Permanent Resident Card), I-571 (Refugee Travel Document), I-766 (Employment Authorization Card), I-94 (Arrival/Departure Record), I-94 (Arrival/Departure Record) in Unexpired Foreign Passport, Machine Readable Immigrant Visa (with Temporary I-551 Language), Naturalization Certificate, Other Immigration Document, Temporary I-551 Stamp (on passport or I-94), Unexpired Foreign Passport, Other.

Alimony Expense :

Income Tax Return, Personal Records Showing Deductions, Other.

Annuity Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Applied for SSN Verification :

SS-5 / System Generated SSN Application, Other.

APTC income verification :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Death :

Death Record, Date of Death Statement from Funeral Home, Newspaper Clippings, Other.

Deductions :

Income Tax Return, Personal Records Showing Deductions, Other.

Earned Income Credit :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Earned Income Payment :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Earned Income Verification :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Employment History :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Energy Payment Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Gifts and Contributions Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Government Housing Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Identity :

Adoption Record, Affidavit from non-US citizen, Affidavit from US citizen, Award Letter, Birth Record, Certificate of Tribal Affiliation, Certificate of US Citizenship (N-560 or N-561), Incarceration Discharge Record, Divorce Decree, Drivers License, Employee ID, Federal Government issued ID, GED, Health Insurance Card, High School or College Diploma, Immigration Document (Government Issued), Income Tax Return, Law Enforcement Records, Local Government Issued ID, Marriage License, Military Dependent's ID, Naturalization Certificate, Passport, Personal Records Showing Deductions, Property Deed or Title, School Photo ID, School Record, State Government Issued ID, US Coast Guard Merchant Mariner card, US Military ID Card or Draft Record, Wage Stubs, Other.

Identity - Individual Interviewed :

Adoption Record, Affidavit from non-US citizen, Affidavit from US citizen, Award Letter, Birth Record, Certificate of Tribal Affiliation, Certificate of US Citizenship (N-560 or N-561), Incarceration Discharge Record, Divorce Decree, Drivers License, Employee ID, Federal Government issued ID, GED, Health Insurance Card, High School or College Diploma, Immigration Document (Government Issued), Income Tax Return, Law Enforcement Records, Local Government Issued ID, Marriage License, Military Dependent's ID, Naturalization Certificate, Passport, Personal Records Showing Deductions, Property Deed or Title, School Photo ID, School Record, State Government Issued ID, US Coast Guard Merchant Mariner card, US Military ID Card or Draft Record, Wage Stubs, Letter of Self Attestation, Other.

Incarceration status verification :

Incarceration Discharge Record, Signed Statement from Individual, Other.

Income Verification :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Interest Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Lawful Presence Verification :

Certificate of Citizenship in non-US country, DS2019 (Certificate of Eligibility for Exchange Visitor (J-1) Status), I-20 (Certificate of Eligibility for Nonimmigrant (F-1) Student Status), I-327 (Reentry Permit), I-551 (Permanent Resident Card), I-571 (Refugee Travel Document), I-766 (Employment Authorization Card), I-94 (Arrival/Departure Record), I-94 (Arrival/Departure Record) in Unexpired Foreign Passport, Machine Readable Immigrant Visa (with Temporary I-551 Language), Naturalization Certificate, Other Immigration Document, Temporary I-551 Stamp (on passport or I-94), Unexpired Foreign Passport.

Loss of Employment :

Employer Statement, Written Statement, Other.

NCP Good Cause :

Birth Record, Court Documents, Law Enforcement Records, Medical Record, Notarized Statement, Records showing reason for not cooperating with Medical Support Enforcement, Written statement from a public or licensed private social agency, Other.

Notes Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Other Unearned Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Pension Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Prizes Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Railroad Retirement Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Relationship Verification :

Adoption Record, Birth Record, Paternity Records, Court Documents, Divorce Decree, Hospital Birth Record, Immigration Document (Government Issued), Marriage License, Medical Record, Military Record, Naturalization Certificate, Notarized Statement, Passport, Public Health Record, Religious Record, School Record, Statement of Attending Physician or Midwife, Other.

Residency :

Drivers License, Other Document Showing Name and Address, Rent or Mortgage Statement, Utility Bill, Written Statement, Other.

Room and Board Expenses :

Income Tax Return, Written Income Statement, Other.

Royalties Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

RSDI Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Self Employment Expense :

Income Tax Return, Written Income Statement, Other.

Self Employment Income :

Income Tax Return, Written Income Statement, Other.

SEVIS ID Number for Lawful Presence Verification :

DS2019 (Certificate of Eligibility for Exchange Visitor (J-1) Status), I-20 (Certificate of Eligibility for Nonimmigrant (F-1) Student Status).

Social Security Number :

Social Security Card, Other.

Supplemental Security Income (SSI) :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

TANF/Foster Care/IHFS/Adoption Subsidy :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Third Party Reimbursement :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Third Party Resources :

Health Insurance Card, Insurance Company Record, Other.

TPR LTC Disability Insurance Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Trust Proceeds Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

UIB Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Unearned Income Payment Verification :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Updated Student Information through SEVIS by Contacting School or Program Sponsor :

DS2019 (Certificate of Eligibility for Exchange Visitor (J-1) Status), I-20 (Certificate of Eligibility for Nonimmigrant (F-1) Student Status).

US Citizenship :

Adoption Record, Affidavit from US citizen, American Indian card I-872, Birth Record, Census Record, Certificate of Birth Abroad of US Citizen (DS-1350, FS-240, or FS-545), Certificate of US Citizenship (N-560 or N-561), Hospital Birth Record, Institutional Admission Papers for Citizenship, Insurance Company Record, Military Record, Naturalization Certificate, Northern Mariana Card I-873, Other Birth Records, Passport, Public Health Record, Religious Record, School Record, Statement of Attending Physician or Midwife, Tribal Census Document, US citizen ID card (I-197 or I-179), Other.

VA Benefit Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Vendor Payment Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

VolAg Match Grant Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Workers Compensation Income :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

Zero Income Verification :

Award Letter, Court Documents, Written Statement for Income or No Income, Employer Statement, Income Tax Return, Letter from Tribe about Income, Loan Contract, Written Income Statement, Trust, Wage Stubs, Other.

What documents can I submit to qualify as an American Indian or Alaska Native?
All the tribes provide individuals with some identifying document that confirms the connection to the tribe. The following documents may meet the requirements:
  • A document issued by a federally recognized tribe indicating tribal membership
  • An enrollment card
  • A certificate of degree of Indian blood issued by the Bureau of Indian Affairs
  • A tribal census document
  • Any document indicating affiliation with the tribe
    • Medicaid and KCHIP agencies may accept an individual’s written statement (attestation) regarding Indian status.
Is there an asset test for Medicaid?
Under the new rules, resources are not counted for family and children Medicaid cases. Traditional Medicaid such as for the aged, blind and disabled still has an asset test (cash, property, IRA).
What will a kynect insurance plan cover?
All health plans will cover ten essential health benefits, including doctor visits, trips to the hospital or emergency room, medicine, and care for pregnant women and children.
How long can my adult child stay on my insurance coverage?
Adult children can stay on their parents’ coverage until they are 26 years old.
Will it be easier for me to get coverage even if I have health problems?
Health insurance companies can no longer reject people or charge more based on health status.
What is special enrollment?
Special enrollment allows you to enroll in health coverage when it is not an open enrollment period. To qualify, you must have a “life event” that changes the size of your household or causes you to lose health coverage. You have 60 days to report the change. Some examples of qualifying “life events” are:

  • Getting married (if you or your new spouse needs health coverage)

  • Having a baby or adopting a baby (if your current insurance doesn’t cover dependents)

  • Moving to a new location (if your move causes you to lose your health coverage)

  • Turning 26 (if you lose coverage through your parents’ plan)

  • Losing health coverage (if you have coverage through work and then lose your job, you change to a job without coverage, your employer stops offering coverage or your COBRA runs out)

  • Getting divorced (if you lose coverage because of the divorce)

  • Changing income (if you lose Medicaid or KCHIP or if your financial assistance changes)

What do I do if I have a “life event”?
If you have coverage through kynect, you have 60 days to report a change and complete your new enrollment. To do so, click Report a Change in Circumstance on your personal page. If you do not have coverage through kynect, you need to fill out a kynect application.
When do I report a change or “life event”?
You have 60 days from the event to report a change and pick or make changes to your plan.
How do I report a change?
Click Report a Change in Circumstance on your personal page.
I want health insurance but I can´t afford it. What will I do?
By using kynect, you may receive payment assistance or special discounts to help cover the costs of coverage for you and your family. kynect allows you to compare and select insurance plans and find out if you qualify for programs like Medicaid or KCHIP, the Kentucky Children´s Health Insurance Program.
What if I make too much money for Medicaid, but still can´t afford to buy insurance?
You may be eligible for payment assistance to help you pay for healthcare coverage you purchase through kynect.
Can I be eligible for Payment Assistance but receive $0 to help pay my insurance bill?
Yes, this can happen when your cost for insurance coverage is less than the maximum cost you should pay with payment assistance. Payment assistance is based on the cost for the second lowest silver plan. You would qualify for $0 in payment assistance if the cost for the second lowest cost silver plan is less than the maximum cost for a silver plan.
What is the income limit for 400% of the Federal Poverty Level?
Household Size 400% of Federal Poverty Level
1 $46,680
2 $62,928
3 $79,164
4 $95,400
5 $111,648
6 $127,884
7 $144,120
8 $160,368
For each additional person, add $16,236
Penalties & Exemptions
What happens if I don´t have health insurance?
Since January 2014, most Americans have been required to have health insurance or pay a penalty. By using kynect, you may be eligible for payment assistance to help cover the costs of coverage for you and your family. kynect also checks to see if you are eligible for programs like Medicaid or KCHIP, the Kentucky Children´s Health Insurance Program.
What is the penalty?
In 2014, the fee is $95 per person in your household or up to 1% of your taxable income, whichever is greater. You will need to report on your 2014 taxes that you did not have health coverage for the required period of time. You may be eligible for a special enrollment if you have a qualifying “life event” or loss of health insurance.
What if I do not have health coverage in 2014?
If you can afford health insurance but do not have health insurance coverage in 2014, you may have to pay a fee. You must also pay for all of your medical care. If you were uninsured in 2014, you would pay the fee in 2015 when you file your 2014 federal income tax return. If you do not pay the fee, the IRS will hold back the amount of the fee from a future tax refund. There are not liens, levies, or criminal penalties for failing to pay the fee.
What is the fee in 2014 and beyond?
The fee in 2014 is 1% of your yearly income or $95 per person for the year, whichever is higher. The fee increases every year. In 2016, it is 2.5% of income or $695 per person, whichever is higher.

For a family with children, the fee for uninsured children is $47.50 per child in 2014. The most a family would have to pay in 2014 is $285 or 1% of income, whichever is greater.

Individuals or families who fall below income tax filing levels may not owe anything and may get payment assistance to offset health insurance costs.

What is a Personal Exemption?
Under federal law, most people must pay a fee if they do not have health coverage, beginning in 2014. Individuals who think that they should not have to have health coverage can request an exemption from this requirement.

Please go to Personal Exemptions to learn more.
How will I get an exemption?
For religious conscience and hardship exemptions, you will need to complete an exemption request application. Most other exemptions are claimed on your federal income tax form. Please go to Personal Exemptions to learn more
Who may be eligible for an exemption?
  • Individuals who are uninsured for less than 3 months of the year
  • Individuals with very low income and healthcare coverage is considered unaffordable
  • Individuals who are not required to file a tax return because their income is too low
  • Individuals who are Alaska natives or members of a federally recognized Indian tribe
  • Individuals who are not lawfully present
  • Individuals who are incarcerated
  • Members of a healthcare sharing ministry
  • Members of a recognized religious sect with religious objections to health insurance
  • Individuals who can claim a hardship
What types of health coverage qualify?
To avoid the fee in 2014 you need insurance that qualifies as minimum essential coverage. If you are covered by any of the following in 2014, you are considered covered and do not have to pay a penalty:

What kinds of health insurance do not qualify as coverage?
Health plans that do not meet minimum essential coverage do not qualify as coverage in 2014. If you have only these types of coverage, you may have to pay the fee. Examples include:
  • Coverage only for vision care or dental care
  • Workers compensation
  • Coverage only for a specific disease or condition
  • Plans that offer only discounts on medical services
Small Business Questions
I own a small business. Will I have to buy health insurance for my workers?
No small employer is required to provide insurance coverage. If you have a small business with 50 or fewer people, you won´t face any penalties. In addition, if you own a small business with 25 or fewer employees, there may be significant tax credits available through kynect to help cover the cost of insurance.
I am a small business owner who currently offers insurance to my employees using an insurance agent. Can I keep my insurance agent if I use kynect?
Yes, you can continue to use your current agent. Insurance Agents can be great assets to small businesses who offer health coverage to their employees.
As a small business owner, will I be able to decide the type of coverage I offer to my employees?
Yes. All health plans are classified into four metal categories: Bronze, Silver, Gold and Platinum. As the metal level increases in value, so does the percentage of medical expenses that a plan will cover. For example, the platinum level plan will have the highest premium cost but it will also cover the highest portion (about 90%) of the medical costs at the time of care. A bronze plan will cover about 60% of medical costs.
What benefits does kynect offer small business employers?
kynect offers an easy online system for employers to provide health insurance to employees. Employers can compare plans by employer contribution and coverage amount. Employers can select a single plan from one insurance company or several plans from many insurance companies. Additionally, employers can determine payments, plans, policies, and open enrollment periods. kynect will handle many of the details and billing.
What benefits does kynect offer small business employees?
Employees will be able to manage their own accounts online. kynect will offer a summary of the plans offered and employees will be able to compare plans based on their employer’s payment toward the insurance bill, the annual deductible and participating doctors, hospitals and clinics.
Contact Information
What if I need to contact someone about kynect?
If you are having trouble finding an answer to your question in our FAQ, then try one of the contacts below.

kynect’s Customer Service
1-855-4kynect (459-6328)

TTY
1-855-326-4654

Department for Community Based Services (DCBS)
1-855-306-8959

kynect’s Mailing Address
8 Mill Creek Park
Frankfort, KY 40601
How do I contact someone about other services?
If you have questions related to a service outside of kynect, you can reach out to one of the following contacts:

Ombudsman’s Office (for questions related to Medicaid)
1-877-807-4027

Fraud Hotline
1-800-372-2970

Kentucky Children’s Health Insurance Program (KCHIP)
1-877-524-4718

Medicare
1-800-633-4227

Social Security Administration
1-800-772-1213

What if I need to contact my health insurance company?
Here is the contact information for some of the insurance companies providing health plans:

Anthem
www.anthem.com
Individuals and Families
1-855-738-6671
Employees of small employers
1-855-738-6673
Small Employers, Insurance Agents and kynectors
1-855-866-6157

Bluegrass Family Health
www.bgfh.com
Small employers and employees
1-800-787-2680 or 1-859-269-4475

Humana
www.humana.com
Individuals and families
1-800-833-6917

Kentucky Health Cooperative
www.mykyhc.org
Individuals, small employers, employees, insurance agents and kynectors.
1-855-OUR-KYHC or 1-855-687-5942

UnitedHealthcare
www.myuhc.com
Employees of small employers
1-877-856-2430
Small Employers, Insurance Agents and kynectors
1-888-UHC-HLP1 (1-888-842-4571)

CareSource
www.caresource.com/just4me
Individuals and families
1-888-815-6446
Small Employers, Insurance Agents and kynectors
1-855-852-5558

WellCare
www.wellcareexchange.com
All callers
1-855-582-6175

If you need contact information for an insurance company that is not listed above, please call the Customer Service number on the back of your insurance card, or you can contact kynect’s Customer Service at 1-855-459-6328 to get a number to call.
How can I contact someone about my dental plan?
Here is the contact information for some of the insurance companies providing dental plans:

Anthem
www.anthem.com
All callers
1-855-769-1464

Best Life
www.bestlife.com
All callers
1-800-433-0088

Guardian
www.guardianlife.com
Employees and providers
1-800-541-7846
Employers, insurance agents and kynectors
1-800-627-4200

The Dental Concern, Inc.
www.humana.com
All callers
1-800-558-2813

Delta Dental
www.deltadentalky.com
Individuals and Families
1-800-971-4108
Small employers and employees
1-800-955-2030

Dentegra
www.dentegra.com/
All callers
1-800-471-0284

If you need contact information for an insurance company that is not listed above, please call the Customer Service number on the back of your insurance card, or you can contact kynect’s Customer Service at 1-855-459-6328 to get a number to call.
Kynect Site & Account
How do I sign-up for kynect?
Set up an account on kynect.ky.gov with a user name and password. Creating an account will allow your information to be saved if for some reason you cannot complete your application in a single session. Please read each page carefully and answer the questions to the best of your ability. If you need additional help, kynect.ky.gov allows you to talk via web chat or phone to a customer service representative. kynect also provides a search tool to find insurance agents and kynectors in your community who are trained to assist you.
What software do I need?
Adobe Reader is required to view documents.
What browsers does kynect’s application support?
Internet Explorer 10, Internet Explorer 9, Internet Explorer 8, Firefox, Chrome
How can I start a new application?
You can start an application from your personal page. Under the Quicklinks sidebar on the left side of the page, click Start an Application.
Where can I print an application?
You can print an application from your personal page. Under the Quicklinks sidebar on the left side of the page, click Download Application. This will take you to a page that allows you to choose the correct paper application for you. Once you choose you application and click on the link, you may print a paper application.
Can I delete my information from the system?
Yes, you can remove your information from the system. If you have not submitted or e-signed your application, you can delete it yourself. If you have already submitted and e-signed your application, kynect will need to help you. Please call Customer Service at 1-855-459-6328.
How do I setup a Kentucky Online Gateway (KOG) account?
You can open this document for a simple step-by-step guide on how to set up a Kentucky Online Gateway (KOG) account.
More Assistance with kynect
How can I get help?
kynect has special groups ready to help – Insurance agents, kynectors, and Customer Service. All services are offered to you at no cost.
  • Insurance agents receive a fee from the insurance companies they are appointed to, but their help does not cost you any money. Insurance Agents are licensed expert insurance professionals who can advise you on all types of insurance coverage. Insurance agents can help you review affordable plan options, see if you are eligible for payment assistance and complete your application and enrollment. They continue to provide service on claims and questions after you enroll.
  • kynectors are groups in your community who want to help you enroll and get healthcare coverage. They can give you information to help you make a decision. They can help you apply, but they cannot tell you which plan to choose. You may have heard them called Navigators or In-Person Assisters. In Kentucky, we call them kynectors.
  • Customer Service is a full service help desk available by online and by phone to answer your questions. It is open Monday through Friday from 7am – 6pm Eastern Time. Starting in October, it will be open on Saturdays.
How can I find someone to help me?
You can go online to kynect.ky.gov and search for an insurance agent or kynector. You can also chat or call Customer Service at kynect.ky.gov or 1-855-4kynect (459-6328).
What is SSI?
Supplemental Security Income (SSI) is a federal income supplement program. SSI is strictly need-based. It is designed to help aged, blind and disabled individuals who have little to no income or resources. Individuals receiving SSI are automatically eligible for the Medicaid program. SSI income is not counted when determining the household income on the kynect application (MAGI).
What is RSDI?
Retirement, Survivors, Disability Insurance (RSDI) is a federally program funded through payroll taxes. It is designed to provide income to those who have worked a certain number of years and made contributions to the Social Security trust fund. It is for eligible people who have been determined disabled or have reached retirement age. It is also for the surviving dependent of someone who qualified for Social Security Disability Insurance. These payments are called auxiliary benefits.
How can I get more information about reporting income?
For more information on reporting your income, see IRS Publication 525. You can go online to www.irs.gov/publications/p525/index.html. Or, call the IRS at 1-800-829-1040.
How can I get more information about deductions?
If you are not sure how much you can deduct, see IRS Tax Topics - Adjustments to Income. You can go online to www.irs.gov/taxtopics/tc450.html. Or, call the IRS at 1-800-829-1040.
What if I would like to learn more about kynect?
If you would like information about kynect for yourself or to share with someone else, we’ve got it for you. View any of the fact sheets you would like to read or print out.

Information for Individuals and Small Business
Welcome to kynect (PDF)
Quality Health Insurance Plans (PDF)

Information for Individuals and Families
Individuals and Families (PDF)
Payment Assistance (PDF)
Medicaid and KCHIP (PDF)

Information for Small Business
Small Business (PDF)
Tax Credits for Small Business (PDF)