Insurance in Overland Park
Data source: US Census year 2000
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Uninsured in Johnson County
Overland Park is in Johnson County.
One out of ten people in Johnson County (7.5%) lack health insurance. In the state of Kansas, 12% are without.
Among the population under 18 years in Johnson County, 5.9% are uninsured, while the figure for Kansas is 8.8%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Crime and Safety in Overland Park
Cities are generally less safe to live in than small towns. Violent crime in Overland Park is 57.1% lower per capita, than in the U.S. as a whole. The per-capita rate of property crime in Overland Park is 16.7% lower than nationally.
There are 1433 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Overland Park (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 93% of Overland Park residents drove to work, and 0% used public transport. 1% walked to work, and 0% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.
In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.
Overland Park, Kansas Health Insurance
With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.
Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.
One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.
While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.
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Local Health Insurance Agents in Overland Park, Kansas
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American Medical Security
(913) 345-09007800 W 110th St
Overland Park, Kansas 66210-2306 -
Benefits Service Agency
(913) 894-245210261 Santa Fe Dr # 100
Overland Park, Kansas 66212 -
Berquist, Larry J - State Farm Insurance Agent
(913) 888-045411111 W 95th Street
Overland Park, Kansas 66214-1846 -
Bivens, Dennis W - State Farm Insurance Agent
(913) 648-11009367 W. 87th Street
Overland Park, Kansas 66212-3753 -
Brier Payne Meade
(913) 402-95767300 College Blvd
Overland Park, Kansas 66210-1874 -
Brouillette, John C - State Farm Insurance Agent
(913) 402-855811690 W 135th St
Overland Park, Kansas 66221-2837 -
Burns, John W - State Farm Insurance Agent
(913) 469-901011020 Quivira Road
Overland Park, Kansas 66210-1239 -
Century Group the
(913) 341-30008826 Santa Fe Dr Ste 190
Overland Park, Kansas 66212-3672 -
Coleman & Associates Inc
(913) 681-81797734 W 154th St
Overland Park, Kansas 66221-2832 -
Culp, Ron - State Farm Insurance Agent
(913) 648-05859407 W. 87th Street
Overland Park, Kansas 66212-3755 -
Dave Turnbull Ins Agcy Inc - State Farm Insurance Agent
(913) 491-69494800 College Blvd
Overland Park, Kansas 66211-1601 -
Davis G Sam
(913) 451-18006240 West 135th Street, Suite 100
Overland Park, Kansas 66223-4848 -
Davis Sam Ins
(913) 649-33996917 W 76th St Ste 104
Overland Park, Kansas 66204-3077 -
Davis, Lowell E - State Farm Insurance Agent
(913) 492-40068745 Ballentine, Suite E
Overland Park, Kansas 66214-1978 -
Dickerson, P Stephen
(913) 888-22008745 Ballentine Suite F
Overland Park, Kansas 66214 -
Farmers Insurance Group District Managers Office, Kansas, Marty Robbins
(913) 338-244011827 W 112th St Ste 100
Overland Park, Kansas 66210-2773 -
Fisher, Steven C - State Farm Insurance Agent
(913) 897-31487545 West 151st
Overland Park, Kansas 66223-2223 -
Haeker, Harvey H - State Farm Insurance Agent
(913) 381-75416580 W 95th Street
Overland Park, Kansas 66212-1435 -
Hale, Kevin - State Farm Insurance Agent
(913) 649-81119071 Metcalf
Overland Park, Kansas 66212-1403 -
Hamner, Donald L - State Farm Insurance Agent
(913) 888-71478745 Ballentine Suite B
Overland Park, Kansas 66214-1978 -
Hardesty Jr, Lowell S - State Farm Insurance Agent
(913) 341-740010540 Marty Suite 130
Overland Park, Kansas 66212-2560 -
Hardesty, Penny K - State Farm Insurance Agent
(913) 648-780010540 Marty, Ste 120
Overland Park, Kansas 66212-2560 -
Health Insurance Store
(913) 962-1403
Overland Park, Kansas 66204 -
Hughes, Charles A - State Farm Insurance Agent
(913) 888-100110394 Mastin
Overland Park, Kansas 66212-5451 -
Humana
(913) 217-33007311 W 132nd St Ste 300
Overland Park, Kansas 66213-1154 -
Insurance Agency Schlatters Inc Insurance
(913) 383-11028730 Grant Ave
Overland Park, Kansas 66212-3732 -
Jim Gilmore Ins Agy Inc - State Farm Insurance Agent
(913) 491-450011009 Metcalf
Overland Park, Kansas 66210-1815 -
Kansas Health Plans
(913) 345-979910975 Benson St
Overland Park, Kansas 66210-1534 -
OHagan, James J - State Farm Insurance Agent
(913) 661-910010148 W 119th Street
Overland Park, Kansas 66213-1461 -
Principal Financial Group Principal Life Insurance Company, Group Insurance Sales Office
(913) 451-8400,(913) 491-47007300 W 110th St Ste 670
Overland Park, Kansas 66210-2327 -
Pyle Carla J
(913) 649-98008080 Conser
Overland Park, Kansas 66204-3408 -
Shelter Insurance
(913) 649-3399691 W 76
Overland Park, Kansas 66204 -
Shelter Insurance Agents-Kansas, Overland Park, Davis Sam
(913) 649-33996917 W 76th St Ste 104
Overland Park, Kansas 66204-3077 -
The Power Group
(913) 317-596910800 Farley St Ste 165
Overland Park, Kansas 66210-1418 -
Torchia Insurance Center Inc
(913) 681-9292764 W 149
Overland Park, Kansas 66221-2261 -
Weiner, Stephen F - State Farm Insurance Agent
(913) 469-14557406 W 119th Street
Overland Park, Kansas 66213-1110 -
Willman & Company
(913) 897-1440
Overland Park, Kansas 66221 -
Wynant Consulting Group
(913) 681-34857450 W 130th St Ste 310
Overland Park, Kansas 66213-2684
Glossary of Terms
- Coinsurance
- amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
- Coordination of Benefits
- A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
- Copayment
- Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
- Covered Expenses
- Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
- Customary fee
- Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
- Deductible
- The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
- Exclusions
- Specific conditions or circumstances for which the policy will not provide benefits.
- Fee-for-Service
- The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
- HDHP
- High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
- HMO
- (Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
- Institutionalized
- People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
- Kaiser
- Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
- Managed Care
- Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
- Maximum Out-of-Pocket
- The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
- Noncancelable Policy
- A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
- PPO
- (Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
- Preexisting Condition
- A health problem that existed before the date your insurance became effective.
- Premium
- The amount you or your employer pays in exchange for insurance coverage.
- Primary Care Doctor
- Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
- Property crime
- Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
- Provider
- Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
- Race
- Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
- Single Coverage
- Health insurance that covers medical expenses for one person.
- Third-Party Payer
- Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
- Violent crime
- Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.
Overland Park Facts
Data source: US Census year 2000
Population
Population in Overland Park is 163,578.
88% of Overland Park residents are White, 6% are Asian, 3% are African-American, 1% are a mix of two or more races, and 1% are of some other race.
Economy
The median income in Overland Park is $47,250 for men, and $28,543 for women.
Compared to the typical person in the state of Kansas, a resident of Overland Park makes 44.4% more. The trend for Kansas is that the median income is increasing. (2006)
4,231 people (3% of the population) were living on an income below the poverty level as of 2006. The poverty in Overland Park was increasing compared to the year before.
The typical home is worth $215,500. 21% of Overland Park homeowners own their home outright, paying typically $507 per month in owner costs. Among those with a mortgage (79% of homeowners), the median monthly owner cost is $1,621. (2006)
Housing
There are a total of 71,063 homes in Overland Park. Of these, 805 were for sale, and 2,780 homes were available to rent in 2006. 44,731 (68%) were owner-occupied, and 21,464 (32%) were occupied by renters. (2006)
Age
The median age for men in Overland Park is 36, and in Kansas the average man lives to be 75. The median age for women in Overland Park is 38, and women in Kansas live to be 80, on average. (2006)
Education
The education level in Overland Park is high compared to the national average.
Among men over 25, 67% has a college degree, and 17% has some college. Out of the men that didn't study in college, 76% graduated from High School, and 24% dropped out.
Among women over 25, 59% has a college degree, and 24% has some college. Out of the women that didn't study in college, 80% graduated from High School, and 20% dropped out. (2006)
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