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What to Know Before You Buy

Health insurance can be confusing, so it's important to be fully informed when buying your health insurance plan. Explore important considerations and what to know before purchasing a plan.

Your Coverage Needs

Who will be covered on your plan?
Are you looking for individual health insurance coverage? Or do you also need coverage for your spouse and/or children? No matter which option applies to you, purchase the plan that offers the best benefits for you and any dependents.

What benefits are most important to you?
Before you purchase a plan, decide which services you (and any dependents) may use the most. Create a list of benefits that are most important to you and use the list to compare different plan options. Some benefits to consider include:

  • Convenient location of in-network doctors and hospitals
  • Choice of doctors
  • Dental care
  • Hospital care
  • How long the plan offers coverage
  • Immunizations
  • Maternity care
  • Medical tests and X-rays
  • Mental healthcare
  • Office visits to your doctor or specialist
  • Prescription drugs
  • Vision care
  • Well-child care

Your Budget

The plan with the lowest premiums is not always the cheapest plan.

The cost of your insurance is an important deciding factor in choosing a healthcare plan, but don't let it be the only factor. Lower premiums may require higher deductibles, co-payments, or co-insurance, which can add up. You may pay more upfront for a wider range of services, but what your insurance covers is often more important than the price tag. Ultimately, the cheapest plan is one that offers the benefits and coverage you need for the best overall cost for how you intend to use your benefits. Decide how much you can afford for your health insurance plan, and then compare plans in your budget based on the benefits you desire.

Your Network

Does your doctor participate in Blue KC's network?

Receiving care from providers outside the Blue KC network will generally cost you more money. You will receive the highest level of benefits if you use a doctor in your plan's network. Search for your doctor using the Blue KC Doctor and Hospital Finder. You may also contact Blue KC Customer Service Monday through Friday from 8:00 a.m. to 8:00 p.m. toll-free at 888-989-8842 .

Your Important Information

When you apply for a health insurance plan, be sure you have the following information ready for you and everyone else who will be covered on your plan:

  • Common information about yourself, including:
    • Name
    • Address
    • Social Security Number
    • Marital status
    • Annual household income (from W-2 or paystubs)
    • Dependent ages and birth dates
    • Any additional health insurance coverage for any of your family applicants
  • The date you want your coverage to begin
  • Health information about yourself and any other family members needing coverage

Your Insurance Provider

Be sure to find out about the company providing your plan. What is their reputation? How long have they been in business? How do they rate in comparison to competitors offering other plans? Are they known for having good customer service?

Blue KC is the largest locally-based health insurance provider in the Kansas City area, offering health empowerment and trusted support to more than one million members. For more than 75 years, our members have relied on our healthcare benefits and personalized services to help them achieve lifelong health and wellness.