COVID-19 Costs & Coverage

Blue KC is committed to making sure our members are safe and well protected. So, we’re waiving some cost sharing responsibilities during the COVID-19 pandemic. Cost sharing means that you typically pay some of your healthcare costs and Blue KC pays some your healthcare costs.


You have a variety of in-network options if you’re interested in receiving a COVID-19 test. The following locations work with your plan, meaning you won’t have to pay out of pocket to receive a test (please note that testing sites not included below may require you to pay higher out of pocket fees and submit a claim for reimbursement):

If you have questions about COVID-19 or testing, please contact your primary care provider.

Go to the Testing page for more information.

Unexpected Charges for COVID-19 Testing

If you received an unexpected bill for COVID-19 testing (for instance, you were charged for an office visit for the testing), please call the Customer Service number on your Blue KC member ID card and we can help.

Virtual visits

If your in-network provider offers virtual visits, you can “see” them at no cost until December 31, 2021.

  • Contact your provider to find out if they offer virtual visits.
  • Virtual visits may include appointments via telephone, email or text.
  • These visits are at no cost.
  • Includes virtual visits for medical services or behavioral health therapy.
  • Cost sharing (deductibles, copayments and coinsurance) still applies to physical therapy, occupational therapy and speech therapy.

Blue KC Virtual Care is another great option to meet with a provider virtually at no cost until December 31, 2021.

  • Includes virtual visits for medical services or behavioral health therapy through Amwell, our virtual care provider.
  • You can access a video visit right from your smartphone, tablet or computer with a virtual care doctor who’s been trained to evaluate for COVID-19.
  • From your smartphone, you can download the app on the Apple App Store and Google Play. Or you can go to

Please be prepared for longer wait times due to the popularity of virtual care.

Know your care options

Use the guide below to know where to go if you are experiencing COVID-19 symptoms, from mild to severe, or for behavioral health support.

Experiencing mild symptoms? Your primary care doctor is the best person to assess your condition and determine if you need a COVID-19 test.

Have a virtual visit with a healthcare provider from the safety and comfort of your home. Contact your provider to see if they offer a virtual visit, or use or the Blue KC Virtual Care app on the Apple App Store and Google Play.

Use your behavioral health benefit to help you cope with any stress or anxiety you may be experiencing as a result of COVID-19. Go to to learn more.

Always go to the ER if your health is in danger, or call 911! Severe COVID-19 symptoms can include difficulty breathing, persistent chest pain/pressure, new confusion, inability to stay awake, etc. *This list of warning signs is not all inclusive of all severe symptoms.

Inpatient hospital admissions

Blue KC has waived cost sharing and copayments for inpatient hospital admissions due to the diagnosis of COVID-19 for individuals fully insured by Blue KC.

  • Some employers may have different contracts* with Blue KC which may affect your coverage levels. Please call the customer service number on the back of your Blue KC member ID card with questions.
  • This policy will remain in place through December 31, 2021.

*Minimum Premium/Cost-Plus, and ASO


There are no costs for the COVID-19 vaccine for Blue KC members during the public health emergency.

  • The cost of a COVID-19 vaccine is covered by the federal government.
  • The cost for administering the vaccine cannot be billed to patients, and Blue KC members will not have to pay for administration of the vaccine during the public health emergency.
  • COVID-19 vaccines and administration of the vaccine will be covered under the traditional Medicare program. Those in Medicare Advantage will be covered in 2020 and 2021.

Go to the Vaccine page for more information.

Prior authorizations for outpatient services

Blue KC will eliminate prior authorizations for outpatient COVID-19 services.

Prior authorizations will be waived for diagnostic tests and for outpatient covered services that are medically necessary and consistent with CDC guidance if diagnosed with COVID-19.

  • Blue KC will also make dedicated clinical staff available to address inquiries related to medical services, ensuring timeliness of responses related to COVID-19.
  • This policy will remain in place through December 31, 2021.