Healthcare Assistance for Single Mothers in Kentucky
Kentucky Healthcare Assistance for Single Mothers: Medicaid, KCHIP & More [2025]
Last updated: September 2025
This is a fast, no‑fluff guide for single moms in Kentucky who need healthcare right now. It gives you exact income limits, phone numbers, deadlines, and links to official sites so you can apply without guesswork.
- What this adds beyond typical search results:
- Verified 2025 income limits and real phone numbers you can call today.
- Exact steps for Medicaid, KCHIP, pregnancy coverage, transport to appointments, and hospital bill help.
- Plan B options if your first application is denied or delayed, plus an appeal path with the Kentucky Ombudsman.
- Regional help and programs that often get missed, like prescription assistance and breast/cervical cancer coverage.
Sources in this guide come from the Kentucky Cabinet for Health and Family Services (CHFS), HHS/ASPE, HRSA, and Kentucky hospitals (linked throughout for quick clicks and verification).
Quick Help Box (start here)
- Apply or renew online: kynect benefits – Medicaid/KCHIP portal (click through to apply). Phone help: 855‑459‑6328 (kynect/Benefind). Tech help: 844‑407‑8398. (chfs.ky.gov)
- 24/7 DCBS Family Support (status, local office, interviews): 855‑306‑8959. Local office finder: “Local DCBS Offices” on this page: SNAP page with directory link (scroll to “Local Office Directory”). (chfs.ky.gov)
- KCHIP hotline (children’s coverage): 877‑524‑4718 (TTY 877‑524‑4719; Spanish line 800‑662‑5397). (kidshealth.ky.gov)
- Pregnant? Ask your clinic for “Presumptive Eligibility” – same‑day temporary coverage for prenatal care (up to 60 days). Details: Presumptive Eligibility for Pregnant Women. (chfs.ky.gov)
- Medicaid transportation to appointments (non‑emergency): HSTD hotline 888‑941‑7433 or find your regional broker: HSTD broker list by county. (transportation.ky.gov)
- Medicaid Member Services (card, provider, transportation info): 800‑635‑2570. (kidshealth.ky.gov)
- Hospital bill help (charity care): Norton Healthcare Financial Assistance (up to 350% FPL): 502‑479‑6300; program details. UK HealthCare assistance: UK HealthCare financial assistance & forms. (nortonhealthcare.com, ukhealthcare.uky.edu)
- Can’t get through or feel stuck? CHFS Ombudsman (complaints, help with appeals): 800‑372‑2973. Appeals info: Office of the Ombudsman & Administrative Review (CHFS Listens). (chfs.ky.gov)
Quick Reference Cheat Sheet (scan and click)
| Program | Who qualifies | 2025 income rule | What you get | Apply |
|---|---|---|---|---|
| Medicaid for adults (expansion) | Ages 19–64 without Medicare | Up to 138% of FPL (see table below) | Primary care, hospital, Rx, mental health | kynect benefits (apply/renew) or call 855‑459‑6328. (aspe.hhs.gov, chfs.ky.gov) |
| Pregnancy Medicaid + Presumptive Eligibility (PE) | Pregnant Kentuckians | PE gives temp coverage; full Medicaid typically up to 200–218% FPL; KCHIP page lists pregnant/postpartum at ≤218% FPL (see income table) | Prenatal visits, delivery, postpartum; PE covers prenatal up to 60 days | Ask your clinic to submit PE same day. Details: Presumptive Eligibility. KCHIP eligibility page (218% list): KidsHealth KCHIP. (chfs.ky.gov, kidshealth.ky.gov) |
| KCHIP (children under 19) | Uninsured kids in eligible incomes | Up to 218% of FPL (income chart below) | Doctors, dental, vision, Rx, EPSDT | Apply via kynect, call 877‑524‑4718 for help. How to apply. (kidshealth.ky.gov) |
| Medicaid NEMT rides (HSTD) | Medicaid members needing rides | N/A | Free ride or mileage/lodging help (if eligible) | Call 888‑941‑7433 or find your broker by county: HSTD list. (transportation.ky.gov) |
| Women’s Cancer Screening + full Medicaid treatment | Ages 21+ meeting income/uninsured rules | Screening: ≤250% FPL & uninsured; treatment via BCCTP if diagnosed | Free breast/cervical screening; Medicaid for cancer treatment | Women’s Cancer Screening and Breast & Cervical Cancer Treatment Program. (chfs.ky.gov) |
| Rx assistance (KPAP) | Low–moderate income | Many drug programs up to 200–400% FPL | Free or lower‑cost meds | KPAP hotline 800‑633‑8100; KPAP page. (chfs.ky.gov) |
| Marketplace (kynect health coverage) | Over Medicaid limits | Enhanced ACA subsidies through 2025; OEP dates below | Low premium plans; many qualify for ~$10/mo | 2025 OEP Nov. 1–Jan. 15; enroll by Dec. 15 for Jan. 1 start: CHFS press release. (content.govdelivery.com) |
The numbers you need (2025 Federal Poverty Guidelines)
These are the official 2025 poverty guidelines for the 48 states (including Kentucky). We use them to calculate Medicaid/KCHIP limits. (aspe.hhs.gov)
2025 Medicaid expansion (adults 19–64): 138% FPL
| Household | 138% FPL (Annual) | 138% FPL (Monthly) |
|---|---|---|
| 1 | $21,597 | $1,799.75 |
| 2 | $29,187 | $2,432.25 |
| 3 | $36,777 | $3,064.75 |
| 4 | $44,367 | $3,697.25 |
| 5 | $51,957 | $4,329.75 |
| 6 | $59,547 | $4,962.25 |
Based on HHS 2025 FPL of 15,650(HH1),15,650 (HH1), 21,150 (HH2), $26,650 (HH3), etc., multiplied by 1.38. Full FPL table here: HHS/ASPE Poverty Guidelines (2025). (aspe.hhs.gov)
2025 KCHIP and pregnancy/postpartum guideline often used in KY: 218% FPL
Kentucky’s KCHIP eligibility page lists uninsured children, current pregnant women, and women within 12 months postpartum in families at or below 218% FPL. Below are the state‑posted monthly/annual amounts. (kidshealth.ky.gov)
| Family size | Monthly income at 218% FPL | Annual income at 218% FPL |
|---|---|---|
| 1 | $2,736 | $32,832 |
| 2 | $3,714 | $44,556 |
| 3 | $4,691 | $56,292 |
| 4 | $5,668 | $68,061 |
| 5 | $6,646 | $79,752 |
| 6 | $7,623 | $91,476 |
| 7 | $8,601 | $104,292 |
| 8 | $9,578 | $114,936 |
Note: Add 978/month∗∗or∗∗978/month** or **11,736/year for each person over 8. Always check the official page for updates. (kidshealth.ky.gov)
Medicaid for Single Mothers (Adults 19–64)
Most important action first
- Apply on kynect benefits or call 855‑459‑6328. If you prefer in‑person help, call DCBS at 855‑306‑8959 or use the Local Office Directory link on the SNAP page (scroll to “Local DCBS Offices”). (chfs.ky.gov)
Who qualifies
- Adults ages 19–64 with income at or below the 138% FPL numbers shown above (household size includes you and your tax dependents). Income is measured using the federal MAGI rules. See official 2025 FPL table: ASPE 2025 Poverty Guidelines. (aspe.hhs.gov)
What’s covered
- Doctor visits, hospital care, prescriptions, behavioral health, and more. Managed through Medicaid MCOs (Aetna Better Health of Kentucky; Humana Healthy Horizons; Passport by Molina; UnitedHealthcare Community Plan; WellCare of Kentucky). Note: Anthem exits KY Medicaid MCOs on Jan. 1, 2025; members were reassigned. (chfs.ky.gov)
- Adult dental: Kentucky Medicaid covers limited adult dental (exams, emergency visits, X‑rays, fillings, extractions). Children’s dental is broader under EPSDT. Details: KY Medicaid Dental Services. (chfs.ky.gov)
How to apply (fast path)
- Online: kynect benefits.
- Phone: 855‑459‑6328 (kynect/Benefind); 24/7 DCBS 855‑306‑8959 for appointments or local office help. Tech issues: 844‑407‑8398. (chfs.ky.gov)
Required documents (upload in kynect or bring to DCBS)
- ID, SSN, proof of Kentucky residency, proof of income (recent pay stubs or employer letter; if self‑employed, last tax return), current health insurance info (if any). The state lists what to bring and notes it speeds processing. (chfs.ky.gov)
Reality check: timing and roadblocks
- Many cases finish within a few weeks. If you’re pregnant, see the pregnancy section for same‑day Presumptive Eligibility (PE). If your case stalls, call DCBS (855‑306‑8959) and upload any missing documents right away. (chfs.ky.gov)
What to do if this doesn’t work (Plan B)
- Get low‑cost care at community health centers while you wait. Use HRSA’s official finder: Find a Health Center (HRSA). (datawarehouse.hrsa.gov)
- Ask the hospital about charity care (see Norton/UK links in the Quick Help Box) or Kentucky’s DSH indigent care screening. DSH info: CHFS Disproportionate Share Hospital Program. (chfs.ky.gov)
- If you believe your case is mishandled, contact the CHFS Ombudsman 800‑372‑2973 to assist with complaints or appeals. (chfs.ky.gov)
Medicaid for Pregnancy & Postpartum
Most important action first
- If you’re pregnant and uninsured, tell your clinic you want “Presumptive Eligibility (PE).” It gives you temporary Medicaid for prenatal care right away (up to 60 days) while your full application is processed. (chfs.ky.gov)
Who qualifies and income limits
- Kentucky lists pregnant women and women within 12 months postpartum as eligible at or below 218% FPL (see income chart above). For many families, this is higher than adult Medicaid limits. See: KCHIP eligibility page (218% FPL table). (kidshealth.ky.gov)
What’s covered
- Prenatal visits, ultrasounds, delivery, postpartum care, and prescriptions. PE covers outpatient prenatal while your full case is decided. Official program: Presumptive Eligibility for Pregnant Women. (chfs.ky.gov)
How to apply
- Ask the clinic to submit PE the same day. Then finish your full Medicaid application at kynect benefits or by phone (855‑459‑6328) before PE ends. (chfs.ky.gov)
Tips
- Tell your Medicaid MCO you’re pregnant—many offer extras like nurse lines or rewards. See the MCO list and phone numbers on Kentucky’s site (note Anthem exits 1/1/2025). (chfs.ky.gov)
What to do if this doesn’t work (Plan B)
- Use the Kentucky Public Health Prenatal Program via your local health department for help linking to care and PE enrollment: Prenatal Program page. (chfs.ky.gov)
- If you’re diagnosed with breast or cervical cancer (including precancer), you may qualify for full Medicaid treatment through the BCCTP. Start with the Women’s Cancer Screening Program: 844‑249‑0708. Program details: Women’s Cancer Screening (≤250% FPL) and Breast & Cervical Cancer Treatment Program. (chfs.ky.gov)
KCHIP (Kids’ Coverage)
Most important action first
- Apply now on kynect or call the KCHIP hotline 877‑524‑4718 if you’re unsure about your income or documents. (kidshealth.ky.gov)
Who qualifies and income limits
- Uninsured children under 19 in families at or below 218% FPL (see table above). Kentucky’s official KCHIP page lists the monthly/annual amounts for 2025. (kidshealth.ky.gov)
What’s covered
- Doctor and dental care, vision, prescriptions, mental health, therapies, immunizations, and full EPSDT well‑child services. EPSDT details and schedule: KY EPSDT screenings. (chfs.ky.gov)
How to apply & documents
- Online (kynect), local DCBS office, or KCHIP help line. Bring proof of income for the last 2 months (or prior tax return if self‑employed), insurance info, and proof of identity/citizenship. The KCHIP “How to Apply” page explains renewals and documents. (kidshealth.ky.gov)
What to do if this doesn’t work (Plan B)
- Book care at an HRSA‑funded community health center (sliding fee). Find one: HRSA Find a Health Center. (datawarehouse.hrsa.gov)
Getting to Appointments: Medicaid Rides (NEMT)
Kentucky coordinates non‑emergency medical transportation through the Human Service Transportation Delivery (HSTD) system.
- Statewide HSTD customer service: 888‑941‑7433. Broker list by county (with toll‑free numbers): HSTD broker listing. (transportation.ky.gov)
- Kentucky Medicaid also has a Medical Transportation member info page and Travel Reimbursement program (lodging/meals/mileage for long trips with prior authorization). Details and forms: Medical Transportation (CHFS). (chfs.ky.gov)
Quick broker contacts (save these)
| Region coverage (see broker list for counties) | Broker | Toll‑free |
|---|---|---|
| Bluegrass/Northern KY/Fayette regions | Federated Transportation Services of the Bluegrass (FTSB) | 888‑848‑0989 |
| Cumberland Valley/Southeast | Rural Transit Enterprises Coordinated (RTEC) | 800‑321‑7832 |
| Eastern KY/Coalfields | LKLP Community Action | 800‑245‑2826 |
| Big Sandy | Sandy Valley Transportation | 800‑444‑7433 |
| Western/Central regions | GRITS (Audubon Area) | 800‑816‑3511 |
Source: KYTC HSTD list. Always confirm your county’s broker: HSTD by county. (transportation.ky.gov)
What to do if this doesn’t work (Plan B)
- Call your MCO’s member line (below) for help coordinating rides.
- If rides are repeatedly late/no‑show, call HSTD customer service 888‑941‑7433 to report and ask for a fix. (transportation.ky.gov)
Managed Care Plans (who to call)
As of Jan. 1, 2025, Anthem is no longer a KY Medicaid MCO; affected members were reassigned and can select a different MCO by calling kynect (855‑459‑6328). (chfs.ky.gov)
- Aetna Better Health of Kentucky: 855‑300‑5528
- Humana Healthy Horizons in Kentucky: 800‑444‑9137
- Passport Health Plan by Molina: 844‑778‑2700
- UnitedHealthcare Community Plan: 866‑293‑1796
- WellCare of Kentucky: 877‑389‑9457
Official MCO options page and numbers (note on Anthem transition): KY MCO options. (chfs.ky.gov)
Dental, Vision, and Kids’ EPSDT
- Adults: KY Medicaid covers limited adult dental (exams, emergency visits, X‑rays, fillings, extractions). Ask your MCO about any value‑added dental benefits. Official adult dental coverage summary: KY Medicaid Dental Services. (chfs.ky.gov)
- Kids: EPSDT covers comprehensive screenings and medically necessary treatment (including dental/vision) through age 20. Screening schedule and contacts here: EPSDT in KY. (chfs.ky.gov)
- Vaccines for Children (VFC): free vaccines for Medicaid‑eligible, uninsured, AI/AN children under 19; find providers via KDPH: VFC program. (chfs.ky.gov)
Mental Health & Substance Use
- Start with your MCO’s behavioral health line (numbers above). Kentucky also operates Community Mental Health Centers (14 regional boards) and is running a statewide CCBHC demonstration to expand access. Learn more: KY CMHC provider type page and KY CCBHC Demonstration. (chfs.ky.gov)
- If you’re unsure where to start or need a treatment locator, see SAMHSA’s Kentucky info: Help for mental health, drugs, alcohol – KY Medicaid, CHIP. (samhsa.gov)
What to do if this doesn’t work (Plan B)
- Book an appointment at an HRSA health center (many offer integrated primary care + behavioral health on a sliding fee): Find a Health Center. (datawarehouse.hrsa.gov)
Prescription Help (even if you have insurance)
- Kentucky Prescription Assistance Program (KPAP): call 800‑633‑8100 (Mon–Fri, 8–4 ET) for free help applying to drug company assistance programs; many accept households up to 200–400% FPL or during Medicare donut hole. Details: KPAP. (chfs.ky.gov)
- State Health Insurance Assistance Program (SHIP) can also connect you to KPAP: 877‑293‑7447 (opt 2). Info: KY SHIP with KPAP link. (chfs.ky.gov)
What to do if this doesn’t work (Plan B)
- Ask your hospital/clinic if they’re a 340B site (discounted meds) or whether they have pharmacy vouchers. Use HRSA’s health center finder to locate 340B‑participating centers: Find a Health Center. (datawarehouse.hrsa.gov)
Hospital Financial Assistance (Charity Care) in Kentucky
- Many Kentucky hospitals provide free or discounted medically necessary care if your income is under certain limits. Norton Healthcare (including Norton Children’s) offers assistance up to 350% FPL and can cover prior‑year bills. Call 502‑479‑6300 or see program rules: Norton Financial Assistance. (nortonhealthcare.com)
- UK HealthCare: program policy and application here: UK HealthCare Financial Assistance. (ukhealthcare.uky.edu)
- If you’re uninsured and not Medicaid‑eligible, hospitals may screen you under Kentucky’s DSH indigent care rules. Ask for the “DSH indigent care application.” Program overview: CHFS DSH. (chfs.ky.gov)
What to do if this doesn’t work (Plan B)
- Re‑check Medicaid eligibility (income changes, pregnancy, postpartum). Use 855‑459‑6328 (kynect), or ask a local kynector via the kynect “Get Local Help” tools described here: KHBE Enrollment Info. (khbe.ky.gov)
Marketplace Coverage (kynect health coverage)
- If your income is over Medicaid limits, shop QHPs on kynect. For 2025, open enrollment is Nov. 1–Jan. 15. Enroll by Dec. 15 for Jan. 1 coverage; enroll by Jan. 15 for Feb. 1 coverage. Many people qualify for tax credits that make plans as low as about $10/month. Official notice: CHFS press release on 2025 kynect. (content.govdelivery.com)
- Enhanced ACA subsidies run through plan year 2025 under the Inflation Reduction Act; unless extended by Congress, they expire in 2026. Background: KFF explainer on IRA subsidies through 2025. (kff.org)
- Kentucky has explored a Basic Health Program (BHP) for people between 138–200% FPL; the CHFS page describes a BHP “in development” and subject to CMS approval. Check status here: CHFS Basic Health Program page. (chfs.ky.gov)
What to do if this doesn’t work (Plan B)
- If premiums are still too high, ask if you qualify for KI‑HIPP (Medicaid may pay your share of employer plan premiums when cost‑effective). Info: KI‑HIPP. (chfs.ky.gov)
Diverse Communities: Tailored Tips and Entry Points
- LGBTQ+ single mothers: Use MCO care managers for mental and perinatal support; ask for sensitive‑care providers. Many HRSA health centers offer inclusive services on a sliding fee scale. Finder: HRSA Health Centers. (datawarehouse.hrsa.gov)
- Single mothers with disabilities or with disabled children: Medicaid waivers and early intervention can help. “First Steps” (birth to 3) provides early intervention services; call via your region’s Point of Entry: First Steps. For ages 3+, talk to your MCO care coordinator and CMHC. (chfs.ky.gov)
- Veteran single mothers: If you served, compare VA health options with kynect/Medicaid. You can apply for Medicaid or KCHIP even if you’re checking VA eligibility; just disclose all coverage.
- Immigrant/refugee single moms: Apply—eligibility varies by status. Your local DCBS office can screen you for Medicaid/KCHIP and WIC. Language assistance is available at no cost if you do not speak English well: call 855‑306‑8959 and ask for an interpreter. (chfs.ky.gov)
- Tribal citizens: American Indian/Alaska Native children are eligible for VFC vaccines and may receive no‑cost care at HRSA centers; use the HRSA finder to locate local clinics. VFC details: KY VFC. (chfs.ky.gov)
- Rural single moms (limited providers): Book telehealth/phone visits through your MCO when available; use HSTD rides for in‑person care and ask about the Travel Reimbursement Program for long trips. Info: Medical Transportation. (chfs.ky.gov)
- Single fathers raising kids: KCHIP and Medicaid rules are the same—apply via kynect; KCHIP hotline 877‑524‑4718 can help. (kidshealth.ky.gov)
- Language access: Free interpreter help by phone for DCBS and kynect. Call 855‑306‑8959 and request your language. (chfs.ky.gov)
Resources by Region (examples you can actually use)
- Louisville/Jefferson County: Norton Healthcare charity care up to 350% FPL (call 502‑479‑6300). Community health centers include Family Health Centers and Park DuValle (find via HRSA search). (nortonhealthcare.com, datawarehouse.hrsa.gov)
- Lexington/Fayette & surrounding: UK HealthCare financial assistance and local HRSA health centers like HealthFirst Bluegrass (find via HRSA). UK link: Financial Assistance. (ukhealthcare.uky.edu, datawarehouse.hrsa.gov)
- Eastern Kentucky (Appalachia): Numerous HRSA‑funded clinics (e.g., Big Sandy Health Care, Mountain Comprehensive Health) listed in HRSA grants to KY health centers. Use HRSA finder. (bphc.hrsa.gov)
- Western Kentucky: HRSA sites like Community Health Centers of Western Kentucky; use HRSA finder for addresses and hours. (bphc.hrsa.gov)
- Statewide rides: HSTD hotline 888‑941‑7433; see broker list by county. (transportation.ky.gov)
Application Checklist (print this)
- Your photo ID and your child’s IDs (if applying for kids).
- Social Security numbers (if you have them).
- Proof of Kentucky address (lease, bill).
- Proof of income (last 2 pay stubs; self‑employed: last tax return).
- Pregnancy verification (doctor note with due date), if applying for pregnancy coverage.
- Current health insurance info (if any) or notices of loss of coverage.
- Banking is NOT required for MAGI programs; bring only if asked for specific reasons.
Official document reminders and address forms are on CHFS enrollment pages: Medicaid Enrollment (what to bring). (chfs.ky.gov)
Common Mistakes to Avoid
- Waiting to apply because you “might be a little over.” MAGI rules and 5% disregards can make you eligible—apply and let kynect calculate.
- Not using Presumptive Eligibility when pregnant. It’s the fastest way to start prenatal care now. (chfs.ky.gov)
- Missing phone appointments with DCBS. Save 855‑306‑8959 and pick up calls from unknown numbers during your application week. (chfs.ky.gov)
- Skipping rides because you don’t know how to book. Call your regional broker at least several days ahead (or HSTD 888‑941‑7433). (transportation.ky.gov)
- Ignoring hospital bills. Call the financial assistance line as soon as you get a bill—many single moms qualify for free/discounted care (e.g., Norton up to 350% FPL). (nortonhealthcare.com)
Step‑by‑Step: Filing and Following Up
- Apply on kynect or by phone. If online is slow, call 855‑459‑6328 and ask for a kynector to help complete it. Tech issues: 844‑407‑8398. (chfs.ky.gov)
- Upload documents the same day. Use the “upload” feature in your kynect account or ask your local DCBS office to scan them for you (find office from the SNAP page link, “Local DCBS Offices”). (chfs.ky.gov)
- If pregnant, ask your clinic for same‑day PE to cover prenatal visits while your full case is pending. (chfs.ky.gov)
- Watch mail and messages in kynect for notices. Respond fast to any “missing info” requests.
- If you don’t hear back after a few weeks, call DCBS (855‑306‑8959) to check status. If you get a denial you don’t understand, call the CHFS Ombudsman 800‑372‑2973 and ask about your appeal options. (chfs.ky.gov)
Tables You Can Use
Table: Where to call (save these)
| Need | Who to call | Number |
|---|---|---|
| kynect/Benefind (apply, status) | kynect Customer Service | 855‑459‑6328 |
| DCBS Family Support (appointments/local office) | 24/7 DCBS line | 855‑306‑8959 |
| KCHIP hotline | KCHIP | 877‑524‑4718 |
| Medicaid Member Services | CHFS DMS | 800‑635‑2570 |
| KOG Tech Help (portal log‑in) | KOG Helpdesk | 844‑407‑8398 |
| Medicaid rides | HSTD hotline | 888‑941‑7433 |
| Prescription help | KPAP | 800‑633‑8100 |
| Complaints/appeals | CHFS Ombudsman | 800‑372‑2973 |
Official contact listings: KOG Contacts page and KCHIP contacts. (kog.chfs.ky.gov, kidshealth.ky.gov)
Table: Adult Medicaid (138% FPL) quick test (annual)
| Size | If your income is at or below… you likely qualify |
|---|---|
| 1 | $21,597 |
| 2 | $29,187 |
| 3 | $36,777 |
| 4 | $44,367 |
Source: HHS 2025 Poverty Guidelines (138%). (aspe.hhs.gov)
Table: KCHIP & Pregnancy (218% FPL) quick test (monthly)
| Size | At or below (monthly) |
|---|---|
| 2 | $3,714 |
| 3 | $4,691 |
| 4 | $5,668 |
Source: KY KidsHealth KCHIP eligibility. (kidshealth.ky.gov)
Table: Rides – example brokers and numbers
| Region | Broker | Toll‑free |
|---|---|---|
| Bluegrass/N. KY | FTSB | 888‑848‑0989 |
| Cumberland Valley | RTEC | 800‑321‑7832 |
| Eastern KY | LKLP | 800‑245‑2826 |
| Big Sandy | SVTS | 800‑444‑7433 |
| Western/Central | GRITS | 800‑816‑3511 |
Find your exact county’s broker: HSTD broker list. (transportation.ky.gov)
Table: Programs to know when pregnant or postpartum
| Program | Why it helps | Where to click/call |
|---|---|---|
| Presumptive Eligibility (PE) | Same‑day prenatal coverage while full Medicaid is processed (up to 60 days) | Ask your clinic; see PE page |
| Women’s Cancer Screening | Free screening if ≤250% FPL and uninsured | 844‑249‑0708; program page |
| BCCTP | Full Medicaid during treatment if diagnosed by program | BCCTP details |
Real‑World Examples
- You earn 2,350/month∗∗andhaveonechild(householdof2).That’sundertheadultMedicaidlimit(∗∗2,350/month** and have one child (household of 2). That’s under the adult Medicaid limit (**2,432.25/month for HH2). Apply for adult Medicaid for you; your child likely qualifies for Medicaid or KCHIP. Use kynect or call 855‑459‑6328. (aspe.hhs.gov)
- You’re pregnant with a household of 3 and make 4,600/month∗∗.That’sbelowtheKCHIPpregnancy/postpartumthreshold(∗∗4,600/month**. That’s below the KCHIP pregnancy/postpartum threshold (**4,691/month at 218% FPL). Ask your clinic for PE today, then complete your full application on kynect. (kidshealth.ky.gov)
- You have Medicaid but can’t get to a specialist 90 miles away. Call your county broker (HSTD) to request a long‑distance ride or the Travel Reimbursement Program (lodging/meals with prior authorization). Start with 888‑941‑7433. (chfs.ky.gov)
10 Kentucky‑Specific FAQs
- How fast can I get pregnancy coverage?
If your clinic submits Presumptive Eligibility, coverage starts the same day for prenatal care (up to 60 days). Then finish a full Medicaid application. (chfs.ky.gov) - My Medicaid MCO says Anthem. Is that ending?
Yes. Anthem exits KY Medicaid MCOs Jan. 1, 2025. Members were reassigned and can switch by calling kynect (855‑459‑6328). (chfs.ky.gov) - Are there adult dental benefits?
Yes, but limited to exams, emergency visits, X‑rays, fillings, extractions (children have broader EPSDT coverage). (chfs.ky.gov) - What if my income is a little too high for Medicaid?
Check KI‑HIPP (Medicaid may pay your share of employer coverage if cost‑effective). Or shop kynect plans—many single moms pay about $10/month with 2025 subsidies. (chfs.ky.gov, content.govdelivery.com) - Can I get rides to appointments?
Yes. Call your HSTD broker or the HSTD hotline 888‑941‑7433 to book non‑emergency transportation. (transportation.ky.gov) - Where do I find a free/low‑cost clinic?
Use HRSA’s official finder: Find a Health Center. (datawarehouse.hrsa.gov) - Where can I get help paying for prescriptions?
Call KPAP 800‑633‑8100. They help you apply for manufacturer assistance programs. (chfs.ky.gov) - I got a denial and don’t agree—what now?
Call the CHFS Ombudsman 800‑372‑2973 to discuss complaints/appeals and next steps. (chfs.ky.gov) - Is there help for breast/cervical cancer?
Yes—free screening if ≤250% FPL and uninsured, and full Medicaid treatment if diagnosed via the program. Call 844‑249‑0708. (chfs.ky.gov) - How do I find local in‑person help applying?
Use the kynector/agent tools: KHBE Enrollment Info (Get Local Help), or call 855‑459‑6328. (khbe.ky.gov)
What to Expect: Timelines
- Online applications can go faster if you upload all documents the same day. Many families hear back within a few weeks. If you’re pregnant, PE can start prenatal coverage immediately while your full case is decided. If you have no update after several weeks, call DCBS 855‑306‑8959 to check status. (chfs.ky.gov)
Final Plan B Toolkit (keep these handy)
- DCBS Family Support: 855‑306‑8959 (appointments/local office). Local office link on SNAP page. (chfs.ky.gov)
- CHFS Ombudsman: 800‑372‑2973 (complaints/appeals). (chfs.ky.gov)
- HSTD rides: 888‑941‑7433 (broker list by county). (transportation.ky.gov)
- KPAP prescriptions: 800‑633‑8100. (chfs.ky.gov)
- Hospital charity care: Norton 502‑479‑6300; UK HealthCare financial help page (link above). (nortonhealthcare.com, ukhealthcare.uky.edu)
About This Guide
Compiled by the ASingleMother.org Editorial Team
This guide uses official sources from Kentucky Cabinet for Health and Family Services (CHFS), HHS/ASPE, HRSA, and established Kentucky hospitals and nonprofits.
- Our editorial standards: ASingleMother Editorial Policy (research methods, update cycle, verification). This standards page was last updated August 2025. (kidshealth.ky.gov)
- Last verified September 2025, next review April 2026.
- We correct verified errors quickly. Email updates/corrections to info@asinglemother.org.
Disclaimer
Program rules, dollar amounts, and plan lineups can change during the year. Always confirm details on the official pages linked in this guide or by calling the listed agencies. This guide is for general information, not legal advice or case‑specific guidance.
Security note: For your privacy, apply through the official kynect portal or by phone. Never share personal documents (SSNs, pay stubs) over unverified links or with anyone who isn’t an authorized state worker, kynector, or your healthcare provider.
Citations (selected)
- HHS 2025 Poverty Guidelines (FPL): ASPE Poverty Guidelines; CMS guidance notice. (aspe.hhs.gov, hhs.gov)
- KCHIP/pregnancy 218% FPL table and contacts: KidsHealth KCHIP eligibility/contact/apply pages. (kidshealth.ky.gov)
- Presumptive Eligibility for pregnant women (60 days): CHFS PE page. (chfs.ky.gov)
- Medicaid application and DCBS contacts: CHFS “Medicaid – How to Apply,” KOG contacts. (chfs.ky.gov, kog.chfs.ky.gov)
- MCO list & Anthem exit: CHFS MCO options; Anthem transition notice. (chfs.ky.gov)
- Dental benefits (adults limited; kids EPSDT): CHFS dental & EPSDT. (chfs.ky.gov)
- NEMT rides and brokers: KYTC HSTD pages; CHFS Medical Transportation (travel reimbursement). (transportation.ky.gov, chfs.ky.gov)
- KPAP prescriptions: CHFS KPAP page; SHIP page. (chfs.ky.gov)
- Hospital charity programs: Norton FAP and phone; UK HealthCare assistance. (nortonhealthcare.com, ukhealthcare.uky.edu)
- HRSA health center finder and Kentucky awardees list (examples): HRSA tools and awards. (datawarehouse.hrsa.gov, bphc.hrsa.gov)
- 2025 kynect OEP dates and “as low as $10/mo”: CHFS press release. (content.govdelivery.com)
If you hit a dead end with any link or number, tell us at info@asinglemother.org and we’ll update this page—fast.
Learn more:
- kynect benefits – Cabinet for Health and Family Services
- [Supplemental Nutrition Assistance Program (SNAP) –
Cabinet for Health and Family Services](https://www.chfs.ky.gov/agencies/dcbs/dfs/nab/pages/snap.aspx)
- Kid’s Health
- Presumptive Eligibility for Pregnant Women – Cabinet for Health and Family Services
- Human Services Transportation | KYTC
- Financial Assistance | Louisville, Ky. | Norton Healthcare
- Financial Assistance | UK Healthcare
- Contact Us – Cabinet for Health and Family Services
- Poverty Guidelines | ASPE
- Kid’s Health
- Women’s Cancer Screening – Cabinet for Health and Family Services
- Kentucky Prescription Assistance Program – Cabinet for Health and Family Services
- Gov. Beshear: Kentuckians Can Now Preview 2025 Health Coverage Options Through kynect
- Managed Care Organizations – Cabinet for Health and Family Services
- Dental Services – PT (60) (61) – Cabinet for Health and Family Services
- Medicaid Enrollment – Cabinet for Health and Family Services
- Medicaid – How to Apply – Cabinet for Health and Family Services
- Widget | Find a Health Center (EN)
- Disproportionate Share Hospital Services – Cabinet for Health and Family Services
- Pregnant Women – Cabinet for Health and Family Services
- Prenatal Program – Cabinet for Health and Family Services
- Early Periodic Screening, Diagnosis and Treatment Services – Screenings – Cabinet for Health and Family Services
- Kid’s Health
- Medical Transportation – Cabinet for Health and Family Services
- Subcontract Non-Emergency Medical Transportation Provider | KYTC
- Kentucky Medicaid Anthem MCO Transition – Cabinet for Health and Family Services
- Vaccines for Children Program – Cabinet for Health and Family Services
- Community Mental Health Centers (CMHC) – PT (30) – Cabinet for Health and Family Services
- Help for mental health, drugs, alcohol – KY Medicaid, CHIP | SAMHSA
- State Health Insurance Assistance Program – Cabinet for Health and Family Services
- Enrollment Information – KHBE
- Inflation Reduction Act Health Insurance Subsidies: What is Their Impact and What Would Happen if They Expire? | KFF
- Basic Health Program – Cabinet for Health and Family Services
- KY Integrated Health Insurance Premium Payment (KI-HIPP) Program – Cabinet for Health and Family Services
- First Steps – PT (24) – Cabinet for Health and Family Services
- FY 2022 ARP-UDS+ Awards: Kentucky | Bureau of Primary Health Care
- Kentucky Online Gateway
- 2025 Federal Poverty Level Standards | Guidance Portal
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