Insurance in Kansas City
Data source: US Census year 2000
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Uninsured in Clay County
Kansas City is in Clay County.
One out of ten people in Clay County (9.3%) lack health insurance. In the state of Missouri, 12% are without.
Among the population under 18 years in Clay County, 5.9% are uninsured, while the figure for Missouri is 8.9%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Crime and Safety in Kansas City
Cities are generally less safe to live in than small towns. Violent crime in Kansas City is 215.8% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Kansas City is 115.5% higher than nationally.
There are 4958 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Kansas City (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 91% of Kansas City residents drove to work, and 4% used public transport. 2% 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.
Kansas City, Missouri 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 Kansas City, Missouri
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Adams, Ronald D - State Farm Insurance Agent
(816) 587-83305555 NW Barry Road
Kansas City, Missouri 64154-1408 -
Affordable Health Insurance Plans
(816) 436-26227 Nw 72nd St
Kansas City, Missouri 64118-1893 -
Alliant Financial Services Inc
(816) 931-4700, (816) 931-48704717 Grand Ave Ste 202
Kansas City, Missouri 64112-2259 -
American Healthcare Alliance Inc
(816) 523-77999229 Ward Pkwy Ste 300
Kansas City, Missouri 64114-3311 -
Andy Patton Ins Agency Inc - State Farm Insurance Agent
(816) 453-62205500 N Oak Trafficway
Kansas City, Missouri 64118-4681 -
Baker, Debra L - State Farm Insurance Agent
(816) 361-42006300 Walnut
Kansas City, Missouri 64113-2314 -
Basinger, Steven K - State Farm Insurance Agent
(816) 942-328811040 Holmes Road
Kansas City, Missouri 64131-4814 -
Blue Cross Blue Shield
(816) 436-26227 Nw 72nd St
Kansas City, Missouri 64118-1893 -
Blue Cross Blue Shield of Kansas City
(816) 395-22222301 Main St
Kansas City, Missouri 64108-2429 -
Bob Nestel Jr Ins Agency Inc - State Farm Insurance Agent
(816) 361-64429233 Ward Parkway Suite 124
Kansas City, Missouri 64114-3312 -
Commcare
(816) 472-9012106 W 14th St Ste 2302
Kansas City, Missouri 64108-5415 -
Conway, Steven S - State Farm Insurance Agent
(816) 452-67003911 North Oak Trafficway
Kansas City, Missouri 64116-2612 -
David G Allen Ins Agency Inc - State Farm Insurance Agent
(816) 753-43341414 W 47th Street
Kansas City, Missouri 64112-1171 -
Denny, David W - State Farm Insurance Agent
(816) 363-31878600 Ward Parkway
Kansas City, Missouri 64114-2614 -
Employee Benefit Services Agency
(816) 523-5071215 W 68th Ter
Kansas City, Missouri 64113-2424 -
Farmers
(816) 436-262212903 S 71 Hwy D
Kansas City, Missouri 64116 -
Farmers Insurance Group
(816) 763-688811229 Hickman Mills Dr
Kansas City, Missouri 64134-4217 -
Farmers Insurance Group Presko Timothy
(816) 436-3166119 Ne 72nd St
Kansas City, Missouri 64118-1826 -
Farmers Insurance Group Agents Offices David Jeff
(816) 436-2622Missouri
Kansas City, Missouri 64116 -
Farmers Insurance Group Presko Timothy
(816) 436-60007001 N Locust St Ste 123
Kansas City, Missouri 64118-2555 -
Farmers Insurance Group of Companies
(816) 436-26227 Nw 72nd St
Kansas City, Missouri 64118-1893 -
Farmers Insurance-Jeff David
(816) 436-2622101 NE 72nd Ter
Kansas City, Missouri 64118-1835 -
Firstguard Health Plan Administration
(816) 922-72504001 Blue Pkwy
Kansas City, Missouri 64130-2349 -
Fry, Elaine D - State Farm Insurance Agent
(816) 942-78001310 Carondelet Dr Suite 200
Kansas City, Missouri 64114-4825 -
Guy, Anthony - State Farm Insurance Agent
(816) 221-90661111 Main St
Kansas City, Missouri 64105-2128 -
Hagerty-Rose & McPherron Insurance Agency
(816) 421-1763912 Baltimore Ave
Kansas City, Missouri 64105-1772 -
Hoy, Christopher G - State Farm Insurance Agent
(816) 436-84008612 N Oak Trafficway
Kansas City, Missouri 64155-2435 -
Humana Englewood Medical Center, Pharmacy
(816) 414-4440101 Nw Englewood Rd
Kansas City, Missouri 64118-4040 -
Humana Administrative Offices
(816) 941-800310450 Holmes Rd Ste 100
Kansas City, Missouri 64131-3445 -
Insurance Group Farmers
(816) 454-64344370 N Oak Trfwy
Kansas City, Missouri 64116 -
James R Brackhahn Ins Agcy Inc State Farm Insurance Agent
(816) 333-44456406 East 87th Street
Kansas City, Missouri 64138-2779 -
Jones, Allen - State Farm Insurance Agent
(816) 361-63628900 Wornall
Kansas City, Missouri 64114-3605 -
Kelly, Matthew M - State Farm Insurance Agent
(816) 455-19554118 NE Vivion Road
Kansas City, Missouri 64119-2811 -
Kersten, Donald L - State Farm Insurance Agent
(816) 454-50005319 NE Antioch Road
Kansas City, Missouri 64119-2505 -
Lonnie Martin Agency
(816) 763-688811229 Hickman Mills Dr
Kansas City, Missouri 64101-4217 -
Lounds, George N - State Farm Insurance Agent
(816) 941-0055550 E 99th
Kansas City, Missouri 64131-4203 -
Lynn Patton Ins Agency Inc - State Farm Insurance Agent
(816) 453-62205500 N Oak Trafficway
Kansas City, Missouri 64118-4681 -
McKenzie, Etta C - State Farm Insurance Agent
(816) 861-860011818 Blue Ridge Blvd
Kansas City, Missouri 64134-3719 -
McPherron L E Jr Ins
(816) 421-1763912 Baltimore Ave
Kansas City, Missouri 64105-1772 -
Metzler Bros Insurance
(816) 421-6116215 W Pershing Rd Ste 500
Kansas City, Missouri 64108-4307 -
Morrill Tom
(816) 769-7453
Kansas City, Missouri 64108 -
Paul McNutt Inc
(816) 523-5071215 W 68th Ter
Kansas City, Missouri 64113-2424 -
Puritz Carl M
(816) 455-7700501 Nw 44th St
Kansas City, Missouri 64116-1565 -
Radford, Homer A
(816) 358-00786406 E 87th St Suite 104
Kansas City, Missouri 64138 -
Ralph Ford Ins Agency Inc - State Farm Insurance Agent
(816) 763-54449520 James Reed Road
Kansas City, Missouri 64134-1689 -
Robinson, Kenneth E - State Farm Insurance Agent
(816) 587-54667115 NW Barry Road
Kansas City, Missouri 64153-1719 -
Rose Timothy W Ins
(816) 421-1763912 Baltimore Ave
Kansas City, Missouri 64105-1772 -
Thompson, Timothy R - State Farm Insurance Agent
(816) 942-701112917 State Line
Kansas City, Missouri 64145-1238 -
Total Health Care
(816) 395-22222301 Main St
Kansas City, Missouri 64108-2429 -
Vernon G Goodman Ins Agcy Inc - State Farm Insurance Agent
(816) 333-5853222 W Gregory
Kansas City, Missouri 64114-1127 -
Voorhies, Carleton P - State Farm Insurance Agent
(816) 741-35586402 N Cosby
Kansas City, Missouri 64151-2377
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.
Kansas City Facts
Data source: US Census year 2000
Population
Population in Kansas City is 432,773.
61% of Kansas City residents are White, 30% are African-American, 4% are of some other race, 2% are a mix of two or more races, and 2% are Asian.
Economy
The median income in Kansas City is $31,557 for men, and $25,167 for women.
Compared to the typical person in the state of Missouri, a resident of Kansas City makes 11.8% more. The trend for Missouri is that the median income is increasing. (2006)
37,417 people (9% of the population) were living on an income below the poverty level as of 2006. The poverty in Kansas City was increasing compared to the year before.
The typical home is worth $130,200. 26% of Kansas City homeowners own their home outright, paying typically $388 per month in owner costs. Among those with a mortgage (74% of homeowners), the median monthly owner cost is $1,168. (2006)
Housing
There are a total of 213,909 homes in Kansas City. Of these, 6,178 were for sale, and 11,942 homes were available to rent in 2006. 108,804 (59%) were owner-occupied, and 74,510 (41%) were occupied by renters. (2006)
Age
The median age for men in Kansas City is 34, and in Missouri the average man lives to be 73. The median age for women in Kansas City is 37, and women in Missouri live to be 79, on average. (2006)
Education
The education level in Kansas City is high compared to the national average.
Among men over 25, 36% has a college degree, and 20% has some college. Out of the men that didn't study in college, 67% graduated from High School, and 33% dropped out.
Among women over 25, 36% has a college degree, and 22% has some college. Out of the women that didn't study in college, 68% graduated from High School, and 32% dropped out. (2006)
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