A Smart Alternative. On Every Level.

Blue KC Level Funding ASO Options provide a great alternative to traditional, fully insured small group health plans. The plans have been designed to be fully funded. Blue KC will help you evaluate your maximum claims risk and then blend specific and aggregate stop-loss insurance to create level funding you can budget for each month.

The monthly level funded money remitted to Blue KC will include:

  • Administrative costs and stop-loss insurance
  • Claims funding

Your maximum annual claims, including claims run-out liability, are predetermined to create level funding that is easy to administer. Employees can elect the following coverage levels:

  • Employee Only
  • Employee and Spouse
  • Employee and Children
  • Employee and Family

Funding 101.

Your level funding will be carefully designed to ensure you neither over or under fund your plan. However, in the event your claims experience is lower than expected, you’ll get back two-thirds of your unused claims dollars. Blue KC will retain one-third as a deferred administrative fee.

Funding 101

Advantages of Blue KC’s Level-Funding ASO Options:


Self-funded medical plans may be less costly than similar fully insured coverage options subject to modified community rating guidelines and may be exempted from some taxes and fees.

Comprehensive coverage

Plans include comprehensive medical and pharmacy benefits along with Blue KC’s award-winning customer service, comprehensive disease management programs and innovative health advocacy support.

Networks for Small Group Plans

Network Coverage Network Coverage
Network Coverage with BlueCard Network Coverage with BlueCard

Preferred-Care Blue®

The freedom of choice. Preferred-Care Blue® gives Blue KC members the largest selection of providers within our 32-county service area. When your employees want more doctors, more hospitals, and more health care choices, our Preferred-Care Blue network will more than meet their expectations. Employees can also travel with confidence because BlueCard® gives them access to benefits while on the go.

NEW! BlueSelect Plus

The model of affordability. BlueSelect Plus (PPO) offers affordability by using a high-performance hospital and provider network. BlueSelect Plus is available for employees who reside in, and whose businesses are headquartered in the 5-county Kansas City metropolitan area, which includes Clay, Jackson and Platte counties in Missouri, and Johnson and Wyandotte counties in Kansas. When traveling outside the 32-county Blue KC service area, BlueSelect Plus members are covered under the BlueCard PPO network.


It travels well. With the BlueCard® program, Blue KC plan members can take their healthcare benefits with them across the country and around the world. Members can access doctors and hospitals almost everywhere. And outside the U.S., they can access doctors and hospitals in nearly 200 countries and territories through the Blue Cross Blue Shield Global Core.

Ready to Start the Enrollment Process?

We look forward to helping you choose the right health insurance coverage for your company and employees. What’s more, we look forward to being a trusted partner. Welcome to your local Blues family.

Call Us at 1-816-395-2939

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We'll help you, and your employees, understand the lay of the healthcare landscape. Navigate through all the twists and turns. And make decisions that benefit the bottomline. After all, the smarter we are, the healthier we can be.

Learn More About Employer Insurance