HEALTH INSURANCE MATTERS
We invite employers to understand the healthcare landscape. Know the nuances of our different plans. And make confident health insurance decisions. Here’s the place to get smart about what coverage will work best for you and your employees.
Healthcare coverage is an important decision for every employer. So before you buy in, take the time to explore some important considerations. We want you to feel confident about choosing a health plan. We want to point you to the right option for your employees and your bottomline.
Be Aware of: Your Employees’ Coverage Needs
WHO WILL BE COVERED?
Maybe this employee needs individual coverage. Maybe that employee needs coverage for a spouse and kids. Whatever the case, go with the plan that provides the best benefits for your employees and their dependents.
WHAT BENEFITS MATTER THE MOST?
Before you buy a plan, determine which services your employees may use the most. Then create a list to help you prioritize your group’s needs and compare different plan options.
BEFORE CHOOSING A PLAN, HERE ARE SOME THINGS TO CONSIDER:
- 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 doctors and specialist
- Prescription drugs
- Vision care
- Well-child care
- Out-of-pocket costs
Be Aware of: Your Employees’ Budgets
THE PLAN WITH THE LOWEST PREMIUMS ISN’T ALWAYS THE LOWEST COST PLAN
Of course cost is an important 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 really add up for employees.
Ultimately, the lowest cost plan is one that offers the benefits and coverage your employees need for the best overall cost for how they intend to use their benefits. Decide how much your company and your employees can afford, and then compare plans in your budget based on the desired benefits.
Be Aware of: The Network
WHAT DOCTORS PARTICIPATE IN BLUE KC’S NETWORK?
If your employees receive care from a provider outside the Blue KC network, it will generally cost them more. So to assure the highest level of benefits, encourage them to always use a doctor in your plan’s network.
It’s easy for employees to search for an in-network doctor. They can go to the BLUE KC DOCTOR AND HOSPITAL FINDER. Or contact Blue KC Customer Service at 888-989-8842, Monday – Friday from 8:00 a.m. – 5:00 p.m. Central Time.
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