Blue Cross Blue Shield Kansas – Overview
The Blue Cross Blue Shield Kansas (BCBSKS) was founded in 1941 as the Blue Cross of Kansas and consolidated to become the Blue Cross Blue Shield of Kansas in 1983. Since then, it has become one of the largest mutual health insurance companies in the state.
BCBSKS is an independent, local not-for-profit licensee of the Blue Cross Blue Shield Association and offers 35 Blue Plans for individuals, families, groups, and employers, among others.
Today, BCBSKS includes 96% of all healthcare providers within its service area, which also has 99% of all medical doctors and acute care facilities in its network of providers. Till now, BCBSKS has serviced over 970,000 members and continues to provide comprehensive health insurance at affordable prices.
Blue Cross Blue Shield Kansas Insurance Plans
Let’s take a look at 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 is suitable for those who seek to balance their monthly premiums and out-of-pocket expenses.
Gold Plans – The Gold plans for individuals and families by BCBSKS have the highest monthly premium but significantly lower out-of-pocket costs for receiving 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) – This Medicare plan offers the exact same coverage you get when you combine Part A and Part B, as well as 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, 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) – The Medicare Supplement plan is also called “Medigap.” This provides optional coverage to supplement Original Medicare and covers the cost of coinsurance, deductibles, and copayments. 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 too, 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 covers 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, you can check out the official link here https://secure.bcbsks.com/BuyBlue/Dental/GetStarted.
BCBSKS Dental Plus PPO – The Dental Plus PPO insurance plan by BCBSKS also offers comprehensive coverage. It includes up to USD 1,500 per member as an annual maximum benefit and up to USD 50 as an annual deductible per member. It also covers 100% cost of preventive dental care services, such as dental exams and cleanings.
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. To learn more details about this dental plan, you can check out the official link here https://secure.bcbsks.com/BuyBlue/Dental/GetStarted.
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) – This plan pays you cash if you are hospitalized for any reason. 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. To learn more about this cancer care plan from BCBSKS and enroll in it, visit https://secure.bcbsks.com/BuyBlue/SecurePlans/GetStarted.
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 and pay in addition to their other insurance coverage. You can find more details of eligibility and enrolment by visiting https://secure.bcbsks.com/BuyBlue/SecurePlans/GetStarted.
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.
I am a dedicated healthcare researcher and an enthusiast specializing in medical grants, medical education and research. Through my articles, I aim to empower healthcare professionals and researchers with valuable insights and resources to navigate these critical aspects effectively.