Understand the healthcare landscape and lingo. Know the ins and outs. Learn what questions to ask. Make confident decisions. Learn about a Health Savings Account (HSA). And more. Here's the place to get smart and stay empowered.
Healthcare coverage is an important decision. So before you buy in, take the time to explore some important considerations. We want you to feel confident about choosing a health plan. And we want to point you to the right one for you.
Maybe you need individual coverage. Maybe you need coverage for your spouse and kids, too. Wherever you are in life, go with the plan that provides the best benefits for you and any dependents.
Before you buy a plan, determine which services you and any dependents may use the most. Then create a list to help you prioritize your needs and compare different plan options.
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. You may pay more upfront for a wider range of services, but what your insurance covers may matter more than the price tag.
Ultimately, the optimal plan is one that offers the benefits and coverage you need for the best overall cost for how you intend to use your benefits. Decide how much you can afford, and then compare plans in your budget based on your desired benefits.
When you receive care from a provider outside the Blue KC network, it will generally cost you more, or may not be covered at all. So be sure to use an in-network doctor to get the most out of your plan benefits.
It's easy to search for an in-network doctor. Simply 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. – 8:00 p.m.
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