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Insurance Options for Large Businesses
from Blue KC

Insurance Options for Large Businesses from Blue KC

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

  • 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 dependents 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 responsible 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

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.

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.