Insurance in Louisville
Data source: US Census year 2000
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Uninsured in Jefferson County
Louisville is the county seat of Jefferson County.
One out of ten people in Jefferson County (11%) lack health insurance. In the state of Kentucky, 13.3% are without.
Among the population under 18 years in Jefferson County, 7.5% are uninsured, while the figure for Kentucky is 9.5%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Safety in Louisville
There are 3664 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Louisville (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 86% of Louisville residents drove to work, and 7% used public transport. 4% 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.
Louisville, Kentucky 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 Louisville, Kentucky
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Abernathy Insurance Agency Inc State Farm Insurance Agent
(502) 327-002710600 Timberwood Circle #9
Louisville, Kentucky 40223-5368 -
Affordable Health Associates Inc
(502) 363-31744522 Southern Pkwy
Louisville, Kentucky 40214-1415 -
Affordable Insurance Service
(502) 897-32644175 Westport Rd
Louisville, Kentucky 40207-2787 -
Ashley, Lawrence F - State Farm Insurance Agent
(502) 459-76002909 Hikes Lane
Louisville, Kentucky 40218-1701 -
Bailey, Terrence D - State Farm Insurance Agent
(502) 339-15179426 Brownsboro Road
Louisville, Kentucky 40241-1118 -
Baker, Thomas M - State Farm Insurance Agent
(502) 584-63584th At Broadway
Louisville, Kentucky 40202-2130 -
Beck, Jerry L - State Farm Insurance Agent
(502) 456-24303032 Hunsinger Lane
Louisville, Kentucky 40220-2233 -
Blair, Robert L - State Farm Insurance Agent
(502) 244-027111501 Main Street
Louisville, Kentucky 40243-1315 -
Bob Dotson Insurance Agcy Inc - State Farm Insurance Agent
(502) 339-80869800 Shelbyville Road
Louisville, Kentucky 40223-2977 -
Braden Insurance Agency Inc
(502) 454-91913069 Breckenridge Ln
Louisville, Kentucky 40220-2101 -
Braden Insurance Agency Inc
(502) 896-24143920 Dupont Sq S
Louisville, Kentucky 40207-4650 -
Brown Phil Insurance Agency Inc
(502) 327-696610300 Linn Station Rd Ste 250
Louisville, Kentucky 40223-3886 -
Burrice, John W - State Farm Insurance Agent
(502) 245-087811408 Shelbyville Road
Louisville, Kentucky 40243-1379 -
Craven, David L - State Farm Insurance Agent
(502) 449-43001700 Gagel Avenue
Louisville, Kentucky 40216-4017 -
Creative Solutions Group
(502) 897-77924175 Westport Rd
Louisville, Kentucky 40207-2787 -
David Feldkamp Employee Benefits
(502) 423-77739443 Westport Rd
Louisville, Kentucky 40241-2219 -
Dibble, R Scott - State Farm Insurance Agent
(502) 266-706910511 Watterson Trail
Louisville, Kentucky 40299-3740 -
Dodge, George T - State Farm Insurance Agent
(502) 245-366611408 Shelbyville Road
Louisville, Kentucky 40243-1379 -
Drury, John M - State Farm Insurance Agent
(502) 368-58034107 Taylor Blvd
Louisville, Kentucky 40215-2371 -
Eichberger Sr, John D - State Farm Insurance Agent
(502) 426-13171313 Lyndon Lane Suite 116
Louisville, Kentucky 40222-7301 -
Eilers Kevin L
(502) 239-71205427 Bardstown Road Suite 3
Louisville, Kentucky 40291-1968 -
Employer Benefits Inc
(502) 451-11184801 Sherburn Ln Ste D
Louisville, Kentucky 40207-5132 -
Family Health & Retirement Services
(502) 327-51004011 Ashridge Dr
Louisville, Kentucky 40241-1606 -
Franck II, David W - State Farm Insurance Agent
(502) 423-02008217 Shelbyville Road
Louisville, Kentucky 40222-5421 -
Gardner, William J - State Farm Insurance Agent
(502) 451-73633832 Taylorsville Rd Suite 11
Louisville, Kentucky 40220-1369 -
Gibson, Terry L - State Farm Insurance Agent
(502) 361-52006414 Manslick Road
Louisville, Kentucky 40214-1145 -
Gilbert, Glenn R - State Farm Insurance Agent
(502) 964-47008321 Preston Highway
Louisville, Kentucky 40219-5309 -
Goodman, David B - State Farm Insurance Agent
(502) 448-54361906 Crums Lane
Louisville, Kentucky 40216-4228 -
Graham, John B - State Farm Insurance Agent
(502) 423-81889901 LaGrange Road
Louisville, Kentucky 40223-1126 -
Grant, Charlton C - State Farm Insurance Agent
(502) 776-12002500 West Broadway Suite 400
Louisville, Kentucky 40211-1008 -
Gray, Janet E - State Farm Insurance Agent
(502) 429-90113801 Springhurst Blvd #107
Louisville, Kentucky 40241-6137 -
Gray, Jonathan E - State Farm Insurance Agent
(502) 499-51504740 Bardstown Road
Louisville, Kentucky 40218-4006 -
Green & Associates Inc
(502) 583-4412521 Barret Ave
Louisville, Kentucky 40204-1139 -
Grooms Agency
(502) 228-39547306 Shadwell Ln
Louisville, Kentucky 40202 -
Group Benefit Associates Inc
(502) 459-93032210 Goldsmith Ln Ste 116c
Louisville, Kentucky 40218-1038 -
Haddow, Barbara A - State Farm Insurance Agent
(502) 499-00153418 Stony Spring Circle
Louisville, Kentucky 40220-5436 -
Hanner, Freddie L - State Farm Insurance Agent
(502) 774-33731827 West Broadway
Louisville, Kentucky 40203-1008 -
Haus, Tracy Blair - State Farm Insurance Agent
(502) 240-03331925 Blankenbaker Parkway
Louisville, Kentucky 40299-2403 -
Hawkins-McMurry, Duanne - State Farm Insurance Agent
(502) 458-02582152 Glenworth Avenue
Louisville, Kentucky 40218-2185 -
Health Point Insurance & Investment Services
(502) 412-60299302 New Lagrange Rd
Louisville, Kentucky 40242-3652 -
Joe Gottbrath Ins Agency Inc - State Farm Insurance Agent
(502) 895-9463157 Thierman Lane
Louisville, Kentucky 40207-5009 -
John E DeLaney Ins Agcy Inc - State Farm Insurance Agent
(502) 425-55769306 New LaGrange Rd Suite 100
Louisville, Kentucky 40242-3672 -
John H Schoene Ins Agcy Inc - State Farm Insurance Agent
(502) 244-2698315 North English Station Road
Louisville, Kentucky 40223-3911 -
Joseph R Bell Jr Ins Agcy Inc - State Farm Insurance Agent
(502) 361-23674016 Preston Highway
Louisville, Kentucky 40213-1612 -
Kanaly, Thomas F - State Farm Insurance Agent
(502) 231-23506608 Bardstown Road Suite A
Louisville, Kentucky 40291-3045 -
Kenney, Michael G - State Farm Insurance Agent
(502) 473-11722950 Breckenridge Lane
Louisville, Kentucky 40220-1462 -
Koger II W Glenn
(502) 966-52016456 Outer Loop Suite 101
Louisville, Kentucky 40228-1818 -
Lee Humphrey Ins Agcy Inc - State Farm Insurance Agent
(502) 456-45492100 Gardiner Lane Suite 216B
Louisville, Kentucky 40205-2993 -
Lovewell, Karla J - State Farm Insurance Agent
(502) 448-61004729 Dixie Highway
Louisville, Kentucky 40216 -
Marshall Jr, Marvin L - State Farm Insurance Agent
(502) 368-65295330 So 3rd Street Suite 244
Louisville, Kentucky 40214-2680 -
Mayhugh Jr, W Robert - State Farm Insurance Agent
(502) 267-827410116 Taylorsville Road
Louisville, Kentucky 40299-3623 -
Mayrene McPherson Ins Agcy Inc State Farm Insurance Agent
(502) 326-306010214 Westport Road
Louisville, Kentucky 40241-2148 -
McClain Jr, Robert L - State Farm Insurance Agent
(502) 456-11413411 Bardstown Road Suite #5
Louisville, Kentucky 40218-4612 -
Medlink
(502) 245-137111902 Brinley Ave Ste 100
Louisville, Kentucky 40243-3000 -
Metzger, David F - State Farm Insurance Agent
(502) 239-48006015 Bardstown Road
Louisville, Kentucky 40291-1619 -
Miller, Matthew J - State Farm Insurance Agent
(502) 964-62884910 Outer Loop
Louisville, Kentucky 40219-4052 -
National Health Administrators
(502) 899-57963906 Dupont Sq S
Louisville, Kentucky 40207-4647 -
Nelson/Noonan Financial Services
(502) 491-77522000 Envoy Cir
Louisville, Kentucky 40299-1825 -
Newton Jr, Richard - State Farm Insurance Agent
(502) 458-95433110 Taylorsville Road
Louisville, Kentucky 40205-3134 -
Nugent Insurance Agency Inc - State Farm Insurance Agent
(502) 897-64261013 North Dupont Square
Louisville, Kentucky 40207-4612 -
Oller, Jerry - State Farm Insurance Agent
(502) 423-874010341 Linn Station Road
Louisville, Kentucky 40223-3816 -
Peggy K Druin Ins Agcy Inc - State Farm Insurance Agent
(502) 955-97461547 B Old Preston Highway N
Louisville, Kentucky 40229-3221 -
Plappert R G Insurance Agency Inc
(502) 499-55754229 Bardstown Rd Ste 114
Louisville, Kentucky 40218-3275 -
Preferred Health Plan Inc
(502) 339-750010180 Linn Station Rd Ste B200
Louisville, Kentucky 40223-3832 -
R Scheynost Ins Agcy Inc - State Farm Insurance Agent
(502) 937-52567619 Dixie Highway
Louisville, Kentucky 40258-1409 -
Robin Ragland Brown Ins Agcy I State Farm Insurance Agent
(502) 897-6476144 Chenoweth Lane
Louisville, Kentucky 40207-2660 -
Sagun Jr, Paul T - State Farm Insurance Agent
(502) 239-71205427 Bardstown Road Suite 3
Louisville, Kentucky 40291-8616 -
Sams, Lisa H - State Farm Insurance Agent
(502) 495-02119014 Taylorsville Road
Louisville, Kentucky 40299-1750 -
Savko, Robert R - State Farm Insurance Agent
(502) 499-757510817 Bluegrass Parkway
Louisville, Kentucky 40299-2215 -
Shaw American Financial Corporation Shaw Irving H Ins,Shaw Jonathan A Ins
(502) 583-5527830 S 2nd St
Louisville, Kentucky 40203-2210 -
Shelton, H Michael - State Farm Insurance Agent
(502) 893-92552917 Brownsboro Road
Louisville, Kentucky 40206-1403 -
Statewide Health Services
(502) 394-00159403 Mill Brook Rd
Louisville, Kentucky 40223-4001 -
Statewide Health Services Insurance Agency Inc Ins
(502) 394-00159405 Mill Brook Rd
Louisville, Kentucky 40223-4001 -
Stevens, Naomi R - State Farm Insurance Agent
(502) 937-88338811 Old Third Street Road
Louisville, Kentucky 40272-2353 -
Super Tech Inc
(502) 727-56715202 Silverton Ln
Louisville, Kentucky 40202-1795 -
Swisher Insurance Agency
(502) 635-0075
Louisville, Kentucky 40202 -
Terri Sparks Ins Agcy Inc - State Farm Insurance Agent
(502) 454-44422909 Hikes Lane
Louisville, Kentucky 40218-1701 -
Terryl S McCray Ins Agcy Inc - State Farm Insurance Agent
(502) 772-45313127 Commerce Center Place
Louisville, Kentucky 40211-1975 -
The Chandler Group of Companies
(502) 493-04762302 Hurstbourne Vlg Dr
Louisville, Kentucky 40299-1840 -
Thielmeier E C Jr Ins
(502) 459-93032210 Goldsmith Ln
Louisville, Kentucky 40218-1038 -
Tim Kleier Insurance Agcy Inc - State Farm Insurance Agent
(502) 499-04944020 Bardstown Road
Louisville, Kentucky 40218-2631 -
Tom Giesler Ins Agcy Inc - State Farm Insurance Agent
(502) 426-15118145 New LaGrange Road
Louisville, Kentucky 40222-4682 -
Tom Thompson Ins Agcy Inc - State Farm Insurance Agent
(502) 241-575713704 LaGrange Road
Louisville, Kentucky 40245-1960 -
Total Vision
(502) 897-10044014 Dutchmans Ln Ste C
Louisville, Kentucky 40207-4715 -
United Healthcare
(502) 479-47006060 Dutchmans Ln Ste 400
Louisville, Kentucky 40205-3292 -
Vince Jarboe Ins Agcy Inc - State Farm Insurance Agent
(502) 447-12945360 Dixie Highway
Louisville, Kentucky 40216-1564 -
Warren, Brandon E - State Farm Insurance Agent
(502) 254-930012306 Shelbyville Road
Louisville, Kentucky 40243-1471 -
White, Bobby R - State Farm Insurance Agent
(502) 326-98002325 Lime Kiln Lane
Louisville, Kentucky 40222-3418 -
White, Richard C - State Farm Insurance Agent
(502) 326-98002325 Lime Kiln Lane
Louisville, Kentucky 40222-3418
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.
Louisville Facts
Data source: US Census year 2000
Population
Population in Louisville is 256,231.
63% of Louisville residents are White, 33% are African-American, 2% are a mix of two or more races, 1% are Asian, and 1% are of some other race.
Economy
The median income in Louisville is $23,134 for men, and $17,433 for women.
Compared to the typical person in the state of Kentucky, a resident of Louisville makes 3.2% less. The trend for Kentucky is that the median income is increasing.
The typical home is worth $81,900. 37% of Louisville homeowners own their home outright, paying typically $239 per month in owner costs. Among those with a mortgage (63% of homeowners), the median monthly owner cost is $787.
Housing
There are a total of 121,275 homes in Louisville. Of these, 1,082 were for sale, and 4,311 homes were available to rent in 2000. 58,546 (53%) were owner-occupied, and 52,868 (47%) were occupied by renters.
Age
The median age for men in Louisville is 34, and in Kentucky the average man lives to be 72. The median age for women in Louisville is 37, and women in Kentucky live to be 78, on average.
Education
The education level in Louisville is low compared to the national average.
Among men over 25, 27% has a college degree, and 20% has some college. Out of the men that didn't study in college, 55% graduated from High School, and 45% dropped out.
Among women over 25, 25% has a college degree, and 22% has some college. Out of the women that didn't study in college, 54% graduated from High School, and 46% dropped out.
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