Behavioral and mental health providers in Kentucky
PlanOptica tracks 35 health and welfare plans sponsored by 33 behavioral and mental health providers in Kentucky, covering 8,114 participants and $30M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 16 participants, and the most common size is under 100 participants (54% of plans). Most of these plans are self-funded or mixed (77%), so stop-loss and TPA relationships matter as much as the medical carrier.
Partially Self Funded Using Anthem Network dominates premium with a 77% share, followed by The Guardian Life Insurance Company of America at 8%. McGriff Insurance Services, Inc is the broker of record on 5 plans, more than any other firm, ahead of Marsh & McLennan Agency LLC (4). 46% of plans report broker compensation on Schedule A; the median brokered plan pays $53K a year, about 9.1% of premium. Louisville, Lexington and Ashland have the most plans.
Funding mix
- Self-funded19 · 54%
- Fully insured8 · 23%
- Mixed8 · 23%
Plan size (participants)
- Under 10019 · 54%
- 100 to 2493 · 9%
- 250 to 4996 · 17%
- 500 to 9995 · 14%
- 1,000 or more2 · 6%
Median plan: 16 participants. Median broker comp: 9.1% of premium across 16 brokered plans.
Top carriers, behavioral health, Kentucky
- 1Partially Self Funded Using Anthem Network$23M9 plans · 77.2%
- 2The Guardian Life Insurance Company of America$2.3M6 plans · 7.8%
- 3Granular Insurance Company$1.3M2 plans · 4.3%
- 4Delta Dental of Kentucky$989K5 plans · 3.3%
- 5Hartford Life and Accident$597K2 plans · 2.0%
- 6Standard Insurance Company$470K3 plans · 1.6%
- 7American United Life Insurance Company$373K2 plans · 1.2%
- 8HCC Life Insurance Company$247K1 plans · 0.8%
- 9Health Resources$148K1 plans · 0.5%
- 10Life Insurance Company of North America$144K2 plans · 0.5%
Top brokers, behavioral health, Kentucky
- 1McGriff Insurance Services, Inc5 plans$91K comp · 31.3%
- 2Marsh & McLennan Agency LLC4 plans$284K comp · 25.0%
- 3Usi Insurance Services LLC4 plans$142K comp · 25.0%
- 4Assuredpartners3 plans$344K comp · 18.8%
- 5Strategic Benefit Resources2 plans$90K comp · 12.5%
- 6Higgins Insurance Inc2 plans$56K comp · 12.5%
- 7Benefit Insurance Marketing, Inc2 plans$49K comp · 12.5%
- 8Houchens Insurance Group Inc2 plans$513 comp · 12.5%
- 9Kristin Bennett2 plans$257 comp · 12.5%
- 10Benefit Enrollment Services Inc2 plans$255 comp · 12.5%
Largest behavioral and mental health providers in Kentucky
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Mountain Comprehensive Care Center, Inc Mountain Comprehensive Care Flexible Benefit PlanAll plans | Prestonsburg | Mixed | 1,543 | $1.0M | The Guardian Life Insurance Company of America |
| New Vista of the Bluegrass, Inc Employee Welfare Benefit PlanAll plans | Lexington | Fully insured | 1,239 | $16M | Anthem Life Insurance Company |
| Lifeskills, Inc Lifeskills, Inc. Fringe Benefit PlanAll plans | Bowling Green | Fully insured | 599 | $1.2M | Granular Insurance Company |
| Pathways, Inc Pathways, Inc. Ancillary CoverageAll plans | Ashland | Mixed | 594 | $428K | The Guardian Life Insurance Company of America |
| Rivervalley Consulting Services Rivervalley Consulting Services Welfare Benefit PlanAll plans | Owensboro | Mixed | 515 | $476K | The Guardian Life Insurance Company of America |
| Inlet Health, Inc Inlet Health, Inc. Welfare Benefits PlanAll plans | Elizabethtown | Mixed | 504 | $397K | Anthem Life Insurance Company |
| Cumberland River Behavioral Health Inc Cumberland River Behavioral Health Inc. Health and Welfare PlanAll plans | Corbin | Fully insured | 502 | $2.9M | Anthem Life Insurance Company |
| Isaiah House Isaiah House Health and Welfare PlanAll plans | Harrodsburg | Mixed | 378 | $349K | The Guardian Life Insurance Company of America |
| Primary Care Centers of Eastern Kentucky Primary Care Centers of Eastern Kentucky Welfare Benefit PlanAll plans | Hazard | Fully insured | 365 | $386K | Anthem Life Insurance Company |
| Impact Wellness Network, LLC Impact Wellness Network, LLC Benefit PlanAll plans | Mount Washington | Fully insured | 336 | $4.0M | Anthem Life Insurance Company |
| Family Health Centers Family Health Centers Health & Welfare PlansAll plans | Louisville | Mixed | 310 | $287K | Delta Dental of California |
| Lifeskills Health Services, Inc Lifehealth Services, Inc. Fringe Benefit PlanAll plans | Bowling Green | Fully insured | 194 | $542K | Granular Insurance Company |
| The Healing Place The Healing Place Health and Welfare PlanAll plans | Louisville | Fully insured | 117 | $741K | Anthem Life Insurance Company |
| Comprehend, Inc Comprehend, Inc. Welfare Benefit PlanAll plans | Maysville | Fully insured | 106 | $38K | Sun Life Assurance Company of Canada |
| Abbey Hill Group Abbey Hill Group CBS Benefit PlanAll plans | Louisville | Self-funded | 28 | - | - |
Showing 15 of 33 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Kentucky
- Louisville8 plans · 483 participants
- Lexington4 plans · 1,261 participants
- Ashland3 plans · 918 participants
- Bowling Green2 plans · 793 participants
- Prestonsburg1 plans · 1,543 participants
- Owensboro1 plans · 515 participants
- Elizabethtown1 plans · 504 participants
- Corbin1 plans · 502 participants
- Harrodsburg1 plans · 378 participants
- Willisburg1 plans · 370 participants
- Hazard1 plans · 365 participants
- Mount Washington1 plans · 336 participants
Frequently asked questions
How many behavioral and mental health providers in Kentucky offer an ERISA health plan?
35 health and welfare plans from 33 behavioral and mental health providers in Kentucky appear in plan year 2024 to 2025 filings on Form 5500, covering 8,114 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most behavioral and mental health providers in Kentucky?
By Schedule A premium: Partially Self Funded Using Anthem Network (77% of premium, 9 plans), The Guardian Life Insurance Company of America (8% of premium, 6 plans) and Granular Insurance Company (4% of premium, 2 plans).
Which benefits brokers work with behavioral and mental health providers in Kentucky?
By number of client plans: McGriff Insurance Services, Inc (5 plans), Marsh & McLennan Agency LLC (4 plans) and Usi Insurance Services LLC (4 plans). 46% of plans report a broker.
How much do brokers earn on behavioral and mental health providers health plans in Kentucky?
The median brokered plan reports $53K a year in broker commissions and fees, or 9.1% of premium. Figures come from Schedule A, Part I.
Are behavioral and mental health providers health plans in Kentucky self-funded or fully insured?
Self-funded 54%, fully insured 23% and mixed 23%. Self-funded and mixed plans together make up 77%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry.
Prospect behavioral and mental health providers in Kentucky
Open the welfare search with Kentucky and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Behavioral health in nearby states
Other healthcare specialties in Kentucky
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry. Location is the sponsor's filing address in Kentucky.