Save money by staying In-network
There’s a lot to know as a health insurance consumer . We’re here to help you understand the terminology and use it to get the most out of your health plan. Today we’ll deep dive into the provider network.
The Basics
What is a provider network? Your Blue KC network is the group of providers and facilities you have access to for your healthcare. It includes primary care physicians, specialty physicians, hospitals, urgent care clinics, labs, X-ray providers, pharmacies, same-day surgery centers, and other healthcare professionals.
What is an in-network provider? An in-network provider is a doctor, hospital or other healthcare professional that has an agreement with Blue KC to provide services to plan members for a set rate. Generally, Blue KC will pay a larger percentage of your healthcare costs when you use an in-network provider.
What is an out-of-network provider? An out-of-network provider is a hospital, pharmacy, physician or other medical service provider that does not have a network contract with Blue KC to provide healthcare services to members. Both non-participating providers and non-preferred providers are also referred to as out-of-network providers.
Four Reasons to Stay In-Network
Even though you may have access to out-of-network providers through your Blue KC plan, you benefit by choosing in-network providers. Here’s why:
1. Pay less for healthcare
You could pay less for healthcare in two ways when you use in-network providers:
- Lower rates – When an in-network provider contracts with Blue KC, they typically agree to charge lower rates than they would charge without insurance.
- Coinsurance/copayment – Once you meet your deductible, you’ll pay just a portion of providers’ charges in the form of coinsurance and/or copayment.
Here’s how it works: Let’s say your in-network doctor charges a negotiated rate of $200 for an office visit, and your coinsurance is 10%. You’ll pay just $20 after you’ve met your deductible and Blue KC will pay the remaining $180*. By contrast, if you visit an out-of-network doctor,their rate may be higher, and your out-of-network coinsurance will be higher.
Why it matters. This is why you enrolled in health insurance – to pay less for healthcare. Depending on your plan’s stated coverage, coinsurance for a provider visit may be as low as 10% and the copayment as low as $15 once you have met your deductible.
*Based on hypothetical 10% coinsurance for in-network provider.
2. Pay a lower deductible
Health plans that cover in-network and out-of-network providers generally have separate deductible amounts for each. For instance, your in-network deductible may be $1,500 while your out-of-network deductible may be $3,000.
Why it matters. The sooner you meet your deductible, the sooner you only pay coinsurance or copayment for provider services. By seeing in-network providers, you’ll reach the lower in-network deductible far faster than the higher out-of-network deductible.
3. Pay a lower out-of-pocket limit
Your plan’s out-of-pocket limit is the most you’ll pay for covered services in a year. Once you’ve reached the specified out-of-pocket limit, Blue KC pays covered services costs for the remainder of the plan year. Health plans that cover in- and out-of-network providers generally have separate out-of-pocket limits for each. For example, an out-of-pocket limit may be $2,500 for in-network providers and $12,500 for out-of-network providers.
Why it matters. When you meet your out-of-pocket limit, Blue KC pays for your remaining covered services for the year. This is when you realize the full value of your health insurance investment. When you choose in-network providers, you’ll reach the lower in-network limit faster and enjoy the benefit of cost coverage.
4. Avoid surprise and balance billing(s)
Balance billing occurs when an out-of-network provider bills you for the difference between their rate and what Blue KC will pay, in addition to out-of-network cost-share (coinsurance/copayment). Surprise billing is a form of balance billing and may occur when you receive an unexpected bill for services from an out-of-network provider. While the No Surprises Act may assist in protecting against these billings, staying in-network can assist in avoiding additional charges.
Why it matters. You want to keep your healthcare bills as low as possible. Stay in-network and avoid additional amounts such as those charged through balance billing.
Find Providers in Your Network
If you haven’t already, check your network to make sure your existing providers are in-network. When you need to see a new doctor, make your network one of your first stops before scheduling an appointment.
Blue KC makes finding providers in your network easy. Simply:
- Visit your member portal at MyBlueKC.com
- Click Find Care in the left column
- Click Find Doctors, Specialists & Hospitals
- Use the search bar to find a specific doctor’s name, specialties, and procedures
Get Care at Spira Care
Blue KC members enrolled in a plan with access to Spira Care receive exclusive access to all nine of the convenient Spira Care locations. These locations offer advanced primary care and coverage, including:
- Primary and Preventive Care
- Routine screenings and vaccinations
- Sick care
- Same-day or next-day appointments¹
- And more!
Make an appointment at (913) 297-7472 or SpiraCare.com.
1Appointment availability varies based on demand and capacity at each Care Center location on any given day. Saturday appointments are only available between 8 a.m. and noon at select locations.
