Coverage line

A stethoscope crosses the distance between a grainy clinician’s hand and an empty remote-care screen.Illustration for The General Average

What Telehealth Insurance Requirements Apply in Kentucky?

Kentucky physicians must obtain informed consent before providing or facilitating telehealth and maintain confidentiality. A separate statewide regulation applies to health-care providers generally and requires credentialing when a third party, insurer, or other payor requires it; optometrists have additional telehealth requirements and may not prescribe controlled substances through telehealth. These rules do not establish a professional-liability mandate or policy coverage.

What Is Telehealth Insurance?

Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. Read the national Virtual care and telehealth guide.

What Should You Watch for With Telehealth Insurance in Kentucky?

Consent Comes Before Physician Telehealth
Kentucky requires the treating physician to obtain the patient’s informed consent before telehealth services begin and to protect the confidentiality of medical information. Ask the broker to identify the physician and medical group responsible for the service and how the policy handles claims involving telehealth consent or record practices. ¹
Payer Credentialing Can Be A Condition
Kentucky’s general telehealth rule requires providers to secure credentialing when a third party, insurer, or other payor requires it, and use appropriate coding for professional reimbursement. Ask your broker and payors to distinguish the policy’s insured-provider schedule from payor credentialing status; one does not establish the other. ²
Optometry Has Its Own Telehealth Limits
Kentucky optometrists must obtain consent acknowledging telehealth risks and limitations, verify identity, review history, maintain records, and secure any reimbursement credentialing; the rule bars their telehealth prescription of controlled substances. Ask whether optometrists and their actual service mix are included in your practice’s insured operations. ³

Which Telehealth Insurance Providers Have Kentucky License Records?

No provider in our research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in Kentucky?

Kentucky Department of Insurance

The Kentucky Department of Insurance licenses agents and insurers, monitors the insurance market, and accepts complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue. ^4,^5,⁶

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-595-6053 (option 1, Kentucky only)

Surplus-Lines Tax and Stamping Office in Kentucky

Reported tax rate. 3% on Kentucky-home-state premiums and other premium consideration; separate 1.8% surcharge on eligible risks located in Kentucky, subject to statutory exceptions; applicable local-government premium tax may also apply ^7,^10,^8,^9,¹¹

When Kentucky is the insured's home state, the state tax is 3% of premium and other consideration treated as premium; local-government premium taxes may also apply. A separate 1.8% surcharge generally applies to Kentucky risks, but state law exempts multistate nonadmitted risks and specified government and nonprofit premiums. The broker must make a diligent effort to place coverage with an admitted carrier before using surplus lines.

What Should You Ask Before Buying Telehealth Insurance in Kentucky?

Does our policy schedule cover Kentucky physicians, optometrists, and their medical or professional entities separately?
Are all required third-party payer credentials current for the telehealth services we bill?
Does the policy describe our consent, recordkeeping, and telehealth prescribing workflows accurately?

Telehealth Insurance in Kentucky: Frequently Asked Questions

Do Kentucky physicians need patient consent before telehealth?

Yes. A treating physician must obtain the patient’s informed consent before providing or facilitating telehealth services and maintain confidentiality of the patient’s medical information. ¹

Can a Kentucky optometrist prescribe a controlled substance through telehealth?

No. The Kentucky optometry regulation prohibits a doctor of optometry from making controlled-substance prescriptions via telehealth. ³

Sources

18 documents, numbered as cited. Open the sources

Sources for Telehealth Insurance in Kentucky

1
Kentucky Revised Statutes §311.5975, Telehealth informed consent and confidentiality. Kentucky General Assembly, Legislative Research Commission; §311.5975(1)–(2), physician duty to obtain consent before service. Accessed 2026-09-28.
2
900 KAR 12:005, Telehealth and digital health terminology and standards. Kentucky General Assembly, Legislative Research Commission; Section 2(1)–(5), provider duties, consent, credentialing where required by payer. Accessed 2026-09-28.
3
201 KAR 5:055, Telehealth requirements for optometrists. Kentucky Board of Optometric Examiners / Legislative Research Commission; Sections 2–4, consent, jurisdiction, records, credentialing, and controlled-substance restriction. Accessed 2026-09-28.
4
Kentucky Department of Insurance. Kentucky Department of Insurance; Homepage and consumer telephone. Accessed 2026-09-28.
5
Insurance License Lookup. Kentucky Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
6
File an Insurance Complaint. Kentucky Department of Insurance; Official DOI consumer complaint page accepts complaints involving general liability and disputes with insurers, agents or adjusters. Accessed 2026-09-28.
7
KRS 304.10-180. Kentucky General Assembly; KRS 304.10-180(1): Kentucky-home-state; 3% applies to premiums, assessments, fees, charges or other premium consideration; local premium tax is separate. Accessed 2026-09-28.
8
Local Government Premium Taxes. Kentucky Department of Insurance; Current local tax schedules. Accessed 2026-09-28.
9
KRS 304.10-090. Kentucky General Assembly; KRS 304.10-090 requires policy notice that nonadmitted insurer is not a Kentucky Insurance Guaranty Association member and its benefits are unavailable upon insolvency. Accessed 2026-09-28.
10
KRS 136.392. Kentucky General Assembly; KRS 136.392(1),(5)-(6): $1.80 per $100 on premium/other charges for Kentucky risks; named government/nonprofit exceptions; multistate nonadmitted risks exempt. Accessed 2026-09-28.
11
Surplus Lines. Kentucky Department of Insurance; Full page states licensed surplus-lines brokers must make a diligent effort to place with an admitted carrier before exporting coverage. Accessed 2026-09-28.
12
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
13
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
14
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
15
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
16
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
17
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
18
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Telehealth Insurance Requirements Apply in Kentucky?

What Is Telehealth Insurance?

What Should You Watch for With Telehealth Insurance in Kentucky?

Consent Comes Before Physician Telehealth

Payer Credentialing Can Be A Condition

Optometry Has Its Own Telehealth Limits