Blue Cross Blue Shield of Kansas – Overview
Blue Cross and Blue Shield of Kansas (BCBSKS) was established in 1942; the consolidation of Blue Cross and Blue Shield entities varies by state, and BCBSKS operates as the Blue Cross and Blue Shield entity for most of Kansas except for Johnson and Wyandotte counties. Since then, it has become one of the state’s largest mutual health insurance companies.
BCBSKS is an independent Blue Cross Blue Shield Association licensee, offering various health insurance plans for individuals, families, groups, and employers.
Today, BCBSKS includes 96% of all healthcare providers within its service area and 99% of all medical doctors and acute care facilities in its network of providers. BCBSKS has served over 970,000 members and continues to provide comprehensive health insurance at affordable prices.
Blue Cross Blue Shield Kansas Insurance Plans
Let’s examine some of the best health insurance plans offered by Blue Cross Blue Shield Kansas.
Blue Cross Blue Shield Individual and Family Plans
BCBSKS offers three types of individual and family plans, namely:
Bronze Plans – These plans have a lower monthly premium but higher out-of-pocket expenses when you receive medical care. This insurance plan is recommended for young adults who expect to have a few visits for healthcare during the plan year.
Silver Plans – These plans have a slightly higher monthly premium than Bronze but incur moderate out-of-pocket expenses when you receive medical care. According to insurance experts, the Silver plan suits those seeking to balance their monthly premiums and out-of-pocket expenses.
Gold Plans—BCBSKS’s Gold plans for individuals and families have the highest monthly premium but significantly lower out-of-pocket costs for medical care. According to experts, this insurance plan is best for those who expect to visit the doctor several times a year.
Blue Cross Blue Shield Medicare Plans
Medicare is designed to provide affordable and quality healthcare to all. It comes in Parts A, B, C, and D. Medicare Part A and Medicare Part B are known as “Original Medicare” and are provided by the government. These cover some of the basic healthcare needs, such as hospital stays and visits to the doctor. However, to fill in the gaps between coverage, you can combine Original Medicare plans with other supplement insurance easily.
Here are some of the services covered under the different types of Medicare insurance plans:
Medicare Part A (Hospital Insurance) – This covers the cost of inpatient medical care at a hospital, hospice care, home health care, and skilled nursing facility care.
Medicare Part B (Medical Insurance) – This plan covers the cost of healthcare services from a doctor and other healthcare providers, home health care, and outpatient expenses, as well as coverage for preventive services and durable medical equipment.
Medicare Part C (Medicare Advantage) – Medicare Part C (Medicare Advantage) plans offer coverage that includes the benefits of Part A and Part B and often includes additional benefits such as prescription drug coverage, not always identical to Part D. It is run by private insurance plans in their own network of providers, usually in a PPO or HMO style plan and may include additional coverage, such as for vision and dental care.
Medicare Part D (Prescription Drug Coverage) – This insurance plan covers the cost of outpatient prescription drugs, as well as generic and brand-name medicinal drugs. This plan is run by Medicare-approved private insurance providers with standard benefits and can also be bought as a stand-alone plan, or you can complement your existing coverage with cover for prescription medicine costs.
Medicare Supplement (Medigap) – Medicare Supplement Insurance (Medigap) helps cover some of the costs not covered by Original Medicare, such as coinsurance, copayments, and deductibles, with standardized plans labeled A through N. This plan also comes in Plan A and so on. The benefits are standardized across the board, irrespective of the company you buy it from.
Blue Cross Blue Shield Kansas Dental Insurance Plans
Apart from comprehensive medical insurance, BCBSKS also offers extensive dental insurance plans, which include:
BCBSKS Dental Plus—This dental insurance plan from BCBSKS offers extensive benefits. Members can receive up to USD 1,500 as an annual maximum benefit cover, up to USD 50 as an annual deductible for every member, 100% coverage for preventive care such as dental exams and cleaning, and 80% of the cost of root canals, fillings, and tooth extractions.
Besides this, you also get up to USD 200 annual maximum for teeth whitening. To learn more about this dental plan, check out the official link here.
BCBSKS Dental Plus PPO—BCBSKS’s Dental Plus PPO insurance plan also offers comprehensive coverage. It includes an annual maximum benefit of up to USD 1,500 and an annual deductible of up to USD 50. It also covers the cost of preventive dental care services, such as dental exams and cleanings, 100%.
Additionally, this dental insurance plan also covers up to 80% of dental services like tooth extractions, root canals, and fillings. It also covers up to 50% of the cost of other dental care services, such as dental implants, periodontal surgery, crown, dentures, bridges, etc.
Blue Cross Blue Shield Kansas Cancer Insurance Plans
BCBSKS also offers extensive coverage for the cost of cancer care through two different plans, namely:
Secure Hospital Indemnity Plan (S-HIP) – The Secure Hospital Indemnity Plan (S-HIP) may offer cash benefits for hospitalization. The benefits include receiving USD 50 per day (for up to 3 days), receiving USD 200 per day (for 4 to 365 days), and offering higher starting benefits for accidents. This plan also pays double benefits if you are admitted to an ICU.
Secure 300 Cancer Plan (Secure 300) – The Secure 300 Cancer Plan, also called Secure 300, pays cash for expenses during your cancer treatment. Under this plan, policyholders are paid USD 300 as inpatient benefits and USD 100 as outpatient benefits, in addition to their other insurance coverage.
Conclusion
The Blue Cross Blue Shield Kansas has been providing extensive and affordable health insurance coverage for over 80 years now and has become the largest private insurance provider in the state. It employs well over 1,500 professionals to manage its expansive provider network and ensures optimal benefits for policyholders when receiving medical care.
See Also
Blue Cross Blue Shield of Louisiana
Blue Cross Blue Shield of Oklahoma
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