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Health Insurance Plans for Employers with 100+ Employees

Give Employees Options With Blue KC BlueChoice® Health Plans.
Blue Cross and Blue Shield of Kansas City (Blue KC) offers you and your employees multiple affordable health insurance options. We also offer coverage for employees who travel, personalized health and wellness programs, and other health plans including life, dental and short-term and long-term disability insurance. It’s all part of our commitment to provide employees with comprehensive healthcare coverage.

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  • Plan Overview
  • Benefit Details
  • Large Employer Health Plan Options
    Select up to four plans to offer affordable and quality healthcare coverage to your employees.

  • BlueCard® Program
    A program all PPO members automatically have access to healthcare benefits when traveling or living away from home.

Employers with 100 or more employees can choose from the following plan types to build the desired comprehensive health benefits package.

  • Preferred-Care Blue PPO: employees can access a broad network of healthcare providers and can choose their deductible and level of benefits
  • Blue-Care® HMO: this plan allows employees to select a Primary Care Physician (PCP) who helps coordinate their medical care
  • PersonalBlue HRA: this high-deductible plan features a Health Reimbursement Arrangement (HRA) funded by the employer
  • BlueSaver® HSA: a high-deductible health plan that has lower premiums and can be paired with a Health Savings Account (HSA), which provides tax-savings benefits

Health plan implementation resources.
Blue KC recognizes that transitioning and implementing a health plan with a new health insurance provider can be challenging. That’s why we dedicate a Blue KC team to new members. Our dedicated personnel will help identify transition requirements and responsibilities to ensure that your plan is implemented accurately and in a time frame that meets your needs.

Follow these five easy steps to apply for BlueChoice health plans.

  • Download the group application below.
  • Print the application.
  • Complete all sections of the application.
  • Sign and date the application in the appropriate space.
  • Return the completed application to your broker, or mail to:
    ATTN: New Business Unit
    Blue Cross and Blue Shield of Kansas City
    2300 Main, 5th Floor
    Kansas City, MO 64108

If you have questions about this application, please contact your broker or the Blue KC Marketing Department at 816-360-1000.

Funding Options

Blue KC offers several options for funding your BlueChoice health plan - from fully insured, in which you pay a set monthly premium, to cost plus, in which you accept the risk for claims-related costs.

Learn more about funding options.

Value-added health products and services.

Value-added health products and services are also available to employees enrolled in a Blue KC health plan. Products and services include life and disability insurance, dental care, electronic billing, personalized health and wellness programs, and more.

Learn more about value-added health products and services.

National Healthcare Coverage.
The Blue KC BlueCard® PPO Program provides your employees with healthcare coverage across the nation. Members enrolled in BlueChoice® PPO health plans are automatically enrolled in the BlueCard PPO Program. It’s part of our commitment to offer employees comprehensive healthcare coverage.

Funding Options

Blue KC offers several options for funding your BlueChoice health plan - from fully insured, in which you pay a set monthly premium, to cost plus, in which you accept the risk for claims-related costs.

Learn more about funding options.

Value-added health products and services.

Value-added health products and services are also available to employees enrolled in a Blue KC health plan. Products and services include life and disability insurance, dental care, electronic billing, personalized health and wellness programs, and more.

Learn more about value-added health products and services.

  • Large Employer Health Plan Options
    Select up to four plans to offer affordable and quality healthcare coverage to your employees.

  • BlueCard® Program
    A program all PPO members automatically have access to healthcare benefits when traveling or living away from home.

Give Employees the Flexibility to Choose While You Control Costs. Give them BlueChoice®.

Preferred-Care Blue PPO.
  • Preferred-Care Blue allows you to choose the deductible and level of benefits that match your budget and healthcare needs.
  • Employees have the freedom to choose their own doctors and hospitals from our extensive local and nationwide network of healthcare providers
  • Employers can see in-network or out-of-network providers
Blue-Care® HMO.
  • Employees select a Primary Care Physician (PCP) who monitors their health and helps coordinate medical care
  • No referrals are required for employees to see an in-network specialist and there is no deductible
  • Employees or covered family members receive benefits immediately
PersonalBlue HRA.

Personal Blue is a high-deductible PPO health plan paired with a Health Reimbursement Arrangement (HRA).

  • Employer-funded: the HRA is funded by the employer
  • Employee-managed: employees use money from their HRA to pay for eligible medical expenses
  • Rollover of funds: employees can roll over unused HRA funds each year, and employers can limit the rollover amount to help manage costs
  • Employee responsibility: if employee and dependends eligible healthcare expenses exceed funds available in their HRAs during the plan year, they will pay for medical expenses until their deductible is met
  • Plan coverage: HRA funds are exhausted first, then an employee will meet his or her deductible, then employee is responsibile coinsurance if applicable, the PersonalBlue PPO health insurance plan will cover any additional medical expenses for that plan year
  • Prescription drug coverage: prescription drug coverage is based on a three-tier copay structure — HRA funds are not eligible to go towards prescription drug copays
BlueSaver® HSA.

BlueSaver is a high-deductible health plan that can be paired with a Health Savings Account (HSA).1 Employees pay lower premiums compared to traditional health plans.

  • Employer contributions: employers can contribute to employees’ HSAs, but contributions are optional
  • Pre-tax savings: employees can have part of their pre-tax earnings deposited into an HSA and can use their HSA money to pay for qualified medical expenses
  • Funding options: employees can use savings, employer contributions or individual contributions to fund their HSA
  • Health plan coverage: once an employee meets the deductible for covered healthcare expenses, BlueSaver begins paying some or all additional healthcare expenses employees incur during that plan year, depending on the plan design
  • HSA resources:Learn more about HSAs, review HSA FAQs, get a list of eligible medical expenses and download Kansas HSA tax forms or Missouri HSA tax forms

1 By law, the HSA can only be offered in conjunction with a High Deductible Health Plan, and there are limits to the amount an employee can contribute to the HSA. Individuals covered under other health plans or Medicare are not eligible for HSAs.

BlueCard PPO Program Benefits.

Claims Processing
Out-of-area employees benefit from efficient claims processing services
Out-of-Town Coverage
Providers automatically accept the BlueCard PPO and file claims for members, eliminating potential complications for employees
Affordability
BlueCard members don’t have to worry about paying for charges above allowable amounts
Reduced coinsurance charges
Coinsurance charges are reduced, because they are calculated on the discounted allowable charge