To view the full Order of Liquidation, please click the following link: Order of Liquidation


To view the Order regarding billing members, please click the following link: Order Regarding Billing Members


To view and save/print the Proof of Claim form, please click the following link:Proof Of Claim Form


For assistance with filing a proof of claim, please click the following link: Guidelines For Filing A Proof Of Claim



For additional information, please refer to our Frequently Asked Questions by clicking the following link: Kentucky Health Cooperative Liquidation: Frequently Asked Questions




NOTICE OF LIQUIDATION OF KENTUCKY HEALTH COOPERATIVE, INC.


From the Liquidator of Kentucky Health Cooperative and his Special Deputies

The Franklin Circuit Court has issued an Order authorizing the Commissioner of the Kentucky Department of Insurance to liquidate Kentucky Health Cooperative, Inc. (“KYHC”).    Under the Court’s order, the Commissioner, as Liquidator, is directed to take possession of all assets (wherever located) of KYHC and to administer those assets under the general supervision of the Court.  A copy of the Liquidation Order and FAQ’s are on the websites of the Kentucky Department of Insurance, insurance.ky.gov and KYHC, mykyhc.org.


The Liquidator and his Special Deputies are authorized to deal with the property, business and affairs of KYHC for the benefit of KYHC’s policyholders and creditors and to take any and all necessary actions to effectuate an orderly and timely liquidation.


This notice is being sent to all individuals, partnerships, corporations, associations, estates, trusts, governmental bodies or other entities which KYHC’s books and records reveal may have either claims (contingent or otherwise) against KYHC or property or assets of KYHC.



Claims presented against KYHC will be reviewed by the Liquidator in accordance with KRS 304.33.  Notices of the Liquidator’s determination on claims presented against KYHC will be given to claimants or their specified counsel.  Contested claims will be resolved in accordance with KRS 304.33-400.


No claim, suit or other proceeding against KYHC or against any of its assets may be made except through the filing of a claim with the Liquidator or in a proceeding brought in the liquidation court.  THE DEADLINE FOR FILING PROOFS OF CLAIM IS OCTOBER 15, 2016.


For assistance with filing a proof of claim, please click the following link: Guidelines For Filing A Proof Of Claim



HEALTHCARE PROVIDERS

For claims that have not been processed, Healthcare providers SHOULD NOT use the proof of claim form.  Claims for healthcare services should be presented via established procedures for processing claims in the normal course of business by no later than October 15, 2016.

Click here to view the Provider Notice Of Liquidation.

For claims that have been fully processed and are in dispute regarding final resolution, Healthcare providers should use the Proof of Claim Form. Click here for a Proof Of Claim Form which may be presented to the Special Deputy in accordance with KRS 304.33-370.  (See proof of claim instructions on the 2nd page of the form).


For assistance with filing a proof of claim, please click the following link: Guidelines For Filing A Proof Of Claim



POLICYHOLDERS

Claims for healthcare services should be submitted by you or your healthcare providers for processing in the normal course of business and DO NOT REQUIRE THE FILING OF A PROOF OF CLAIM FORM.  Policyholders are responsible for deductible and co-pay amounts due under their policies. 


EXISTING POLICIES

KYHC insurance policies not previously terminated by January 15, 2016 shall continue in-force through January 31, 2016 under the terms of the policies and applicable law.


AGENTS AND BROKERS

Agents and brokers DO NOT need to file this form for unpaid commissions UNLESS they dispute the amount owed them as reflected on the books and records of KYHC.  Notice of the commission amount owed but unpaid will be sent to agents and brokers by the Liquidator by March 15, 2016.
Click here to view the Agent Notice Of Liquidation.

To view the full Order of Liquidation, please click the following link: Order of Liquidation


To view the Order regarding billing members, please click the following link: Order Regarding Billing Members


To view and save/print the Proof of Claim form, please click the following link:Proof Of Claim Form


For assistance with filing a proof of claim, please click the following link: Guidelines For Filing A Proof Of Claim



For additional information, please refer to our Frequently Asked Questions by clicking the following link: Kentucky Health Cooperative Liquidation: Frequently Asked Questions






On Thursday, October 29th, 2015, the Kentucky Department of Insurance (DOI), with the cooperation of the Kentucky Health Cooperative (KYHC), filed a petition to place KYHC into rehabilitation. This action permits DOI to oversee day-to-day operations of the nonprofit health insurance company to protect consumers and providers. To view the full Order of Rehabilitation, please click the following link: Order of Rehabilitation






For additional information, please refer to our Frequently Asked Questions by clicking the following link: KYHC Member FAQ



Important Message to our Members


Dear Member:

It is with deepest regret that we inform you that after coordinating with state and federal regulators regarding Kentucky Health Cooperative's operations and long-term sustainability, Kentucky Health Cooperative, (also known as "the CO-OP"), will not offer plans in 2016. Your coverage will remain in force through December 31, 2015, however.

Some of you have contacted us about the recently-mailed Annual Notice of Changes. You've told us that you read in that mailing that the Platinum Plan will not be offered in 2015.

"You didn't say anything about going out of business, though," you have said.

True. And, there's only one reason that a winding down of our operations at the end of this year was not mentioned. We did not know.

The CO-OP did everything possible to continue offering coverage. While we never believed that starting a nonprofit health insurance company would be easy, we thought we would be successful. In fact, we were on track. All signs pointed to a strong financial position in 2016. Funding on which we had depended upon did not come through, however. After difficult, but necessary, discussions with our Board of Directors, the Kentucky Department of Insurance and the Centers for Medicare & Medicaid Services, the decision was made to stop offering plans after 2015.

For now, what does this mean to you?

You pay a premium every month, right? In exchange for doing so, you expect that you will have health insurance coverage. This is a reasonable expectation, and it is one that does not change. The fact that things have taken an unfortunate turn does not change how you should view using health coverage. Do as you would otherwise do. Get your flu shot. See a doctor. Have whatever procedure you had planned.

What if your provider is reluctant to see you on account of your coverage with Kentucky Health Cooperative?

Providers may not refuse to see you because Kentucky Health Cooperative is winding down its operations. Contracts between the CO-OP and providers remain in force through the end of the year. Your provider must continue to offer services to you. If you are refused service by a provider listed as in our network service area, please contact the Kentucky Department of Insurance at 1-800-595-6053. 

What you need to do

What does change, however, is the need to pick a health plan for 2016. You can get help doing this through our state's health insurance Marketplace, kynect (kynect.ky.gov), also called the Exchange. You can get help, too, through an insurance agent or broker. Open Enrollment begins November 1, 2015, and ends January 31, 2016.

Starting a health insurance company is a daunting task, and we gave it our best shot. We are grateful for your role in helping us grow faster than anyone had expected, and it continues to be an honor to serve you.

For additional information, please refer to our Frequently Asked Questions by clicking the following link: KYHC Member FAQ


Find​ A Provider


Find a provider that's right for you, with the Provider Directory Search. ​​​


For additional help on finding providers using provider search tools, please visit the following page: Tips for Using a Provider Search Tool


For more information about KYHC’s Network Service Area, please click here KYHC Provider Networks

Search our formulary


To search our formulary, or to search for a pharmacy, please click one of the following links:

To view our prescription drug list, please click the following link:

​​Note: Once you land on the Formulary Search page or the Pharmacy Search page, you will need to select Kentucky Health Cooperative 2015 Formulary from the Products drop-down list.

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