Medical Benefits

BlueSaver is a Preferred Provider Organization coupled with an option to enroll in a Health Savings Account (HSA), a tax-advantaged, individually-owned account. The plan includes a network of hospitals and physicians who have agreed to allow substantially greater discounts to Blue Cross Blue Shield plan subscribers.

If services are received from an in-network Blue Cross Blue Shield provider, eligible expenses will be paid at the 100% coinsurance level after deductible. If you receive services from a provider outside the Blue Cross Blue Shield network, eligible expenses will be paid at the 60%/40% coinsurance level after deductible.

To locate an in-network medical provider, please visit members.bluekc.com or call 816.395.3558.

	BlueSaver PPO/HSA
Deductible (Individual/Family)	$3,300/$6,600
Member Coinsurance	100%
Out-of-Pocket Max (Individual/Family)	$3,300/$6,600
Primary Office Visit	Deductible
Specialist Visit	Deductible
Routine Preventive	100% Covered
Urgent Care	Deductible
Inpatient Hospital	Deductible
Outpatient Hospital	Deductible
Emergency Room	Deductible
Prescription Drugs	Deductible
	Deductible

Monthly Premium	Total Premium	Employer Pays	Employee Pays w/ Wellness Discount	Employee Pays w/o Wellness Discount
Individual	$952.00	$761.00 (80%)	$141.00	$191.00
Employee + Spouse	$2,023.00	$1,416.00 (70%)	$557.00	$607.00
Employee + Child(ren)	$1,834.00	$1,283.00 (70%)	$501.00	$551.00
Family	$2,542.00	$1,779.00 (70%)	$713.00	$763.00

Downloads

Summary of Benefits

Medical Benefit Summary

Diabetes Management

BlueSaver Plus is a Preferred Provider Organization coupled with an option to enroll in a Health Savings Account (HSA), a tax-advantaged, individually-owned account. The plan includes a network of hospitals and physicians who have agreed to allow substantially greater discounts to Blue Cross Blue Shield plan subscribers.

If services are received from an in-network Blue Cross Blue Shield provider, eligible expenses will be paid at the 80% coinsurance level after deductible. If you receive services from a provider outside the Blue Cross Blue Shield network, eligible expenses will be paid at the 60%/40% coinsurance level after deductible.

To locate an in-network medical provider, please visit members.bluekc.com or call 816.395.3558.

	BlueSaver PPO/HSA
Deductible (Individual/Family)	$4,000/$8,000
Member Coinsurance	80%
Out-of-Pocket Max (Individual/Family)	$5,000/$10,.000
Primary Office Visit	Deductible
Specialist Visit	Deductible
Routine Preventive	100% Covered
Urgent Care	Deductible+Coinsurance
Inpatient Hospital	Deductible+Coinsurance
Emergency Room	Deductible+Coinsurance
Prescriptions All Tiers and Mail Order	Deductible+Coinsurance

Monthly Premium	Total Premium	Employer Pays	Employee pays w/Wellness Discount	Employee pays w/o Wellness Discount
Individual	$870.00	$715.00 (82%)	$105.00	$155.00
Employee + Spouse	$1,853.00	$1,297.00 (70%)	$506.00	$556.00
Employee + Child(ren)	$1,680.00	$1,175.00 (70%)	$455.00	$505.00
Family	$2,329.00	$1,630.00 (70%)	$649.00	$699.00


Employer will contribute to the HSA $25.00 monthly for employee only election and $50.00 monthly for the dependent election.

Downloads

Summary of Benefits

Medical Benefit Summary

Diabetes Management

Spira Care is an Exclusive Provider Organization. In this plan, all primary care appointments and procedures at the Spira Care Center are 100% covered. For other medical needs like specialty care or hospitalization, Spira Care works like a traditional health plan with an annual deductible. Members can see more than 3,000 physicians and specialists at over 11,000 access points in the BlueSelect Plus network.

The Spira Care Center provides primary care, urgent care, lab tests, X-rays, counseling and even some prescriptions filled. Members can meet one-on-one with a professional Care Guide that can answer questions, explain benefits and provide post-appointment guidance.

To locate an in-network medical provider, please visit members.bluekc.com or call 816.395.3558.

	Spira Care Center/BlueSelect Plus Network
Deductible (Individual/Family)	$2,000/$4,000
Member Coinsurance	100%
Out-of-Pocket Max (Individual/Family)	$2,000/$4,000
Primary Office Visit	Deductible ($0 Spira)
Specialist Visit	Deductible
Routine Preventive	100% Covered
Urgent Care	Deductible ($0 Spira)
Inpatient Hospital	Deductible
Emergency Room	Deductible
Retail Prescription Drugs	Tier 1 - $15 Copay Tier 2 - $50 Copay Tier 3 - Deductible
Mail Order Prescription Drugs	Tier 1 - $515Copay Tier 2 - $125 Copay Tier 3 - Deductible

Monthly Premium	Total Premium	Employer Pays	Employee Pays w/ Wellness Discount	Employee Pays w/o Wellness Discount
Individual	$952.00	$761.00 (80%)	$141.00	$191.00
Employee + Spouse	$1,922.00	$1,345.00 (70%)	$527.00	$577.00
Employee + Child(ren)	$1,738.00	$1,216.00 (70%)	$472.00	$522.00
Family	$2,555.00	$1,789.00 (70%)	$716.00	$766.00