WHAT IS FEARLESS?

Working for a healthier body and a more peaceful mind. Leaving worry behind. Getting the health insurance coverage and care you and your family need to live well from a company that is proud to call Kansas City home.

Can I Enroll Now?

Can I Enroll Now?

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Still have questions? Call us at 1-888-800-4479

Get The Right Coverage

Get The Right Coverage

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Recommended if you are:

  • Looking for a lower monthly health insurance bill (premium).
  • OK with spending a little more when you visit a doctor or hospital (out-of-pocket costs).
  • Currently available in Blue & U Basic (KC metro only), First and Saver.
  • Looking for a moderate monthly health insurance bill.
  • OK with spending a moderate amount when visiting a doctor or hospital.
  • Currently available in Blue & U Basic (KC metro only), Classic, First and Saver.
  • OK with a higher monthly insurance bill.
  • Looking for low costs when you visit a doctor or hospital.
  • Currently available in Blue & U Classic.
  • Looking for lots of ongoing medical care.
  • Willing to pay a high price to get it.
  • Currently not available from Blue KC.

Still have questions? Call us at 1-888-800-4479

Weigh the Costs

Weigh the Costs

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Still have questions? Call us at 1-888-800-4479

Starting this fall, you can shop for and by the right health insurance plan for you. And in certain circumstances you may be eligible to get covered now.


Have you experienced one of the following qualifying life events in the last 60 days?

  • Lost, or plan to lose, current health insurance
  • Got married
  • Got divorced
  • Had a baby
  • Adopted a child
  • Death of a member of your current plan
  • Moved outside of your plan’s coverage area
  • Had a change in income
  • Gained U.S. citizenship or lawful presence
  • Released from incarceration

If so, you might qualify to enroll now. Click now to see which Blue KC plan might be right for you.
If not, no worries. Just come back during the Open Enrollment period for 2016 and we’ll get you all taken care of.

Whether you’re looking to buy now or later, here’s what you need in order to enroll in a new heath insurance plan:

Social Security numbers of everyone who will be covered on your plan.

Birthdates of everyone who will be covered on your plan.

Document numbers of all legal immigrants who will be covered on your plan.


To apply for a subsidy:

  • Everything needed to apply for health insurance.
  • Documents that show employer and income information for each member of your household; most people use a pay stub or W-2 form.
  • If someone in your household is eligible for health insurance coverage through their employer, you’ll need to fill out the Employee Coverage Tool.
  • If someone in your household is currently being covered by another insurance plan, you’ll need the policy number of that plan.

The question isn’t “Can I afford to get covered?”

It’s “Can I afford not to?”


Because health insurance is vital to maintaining good health, the federal government helps thousands of Americans pay for their coverage. Let’s find out if you may be eligible to receive financial assistance (also known as a subsidy or an advance premium tax credit).


Subsidy Calculator

Under the Affordable Care Act (ACA), the federal government is offering subsidies (premium tax credits) to help you pay your monthly insurance bill.* Enter the information below about yourself and your family to estimate the subsidy you may be eligible for if you are not covered by your employer.

Your estimated annual pre-tax household income

Will you be covered by an employer group plan in 2016?

Ages of all family members reported on your tax return –

including spouse and claimed dependents for whom you plan to purchase health insurance: Leave extra fields blank

+ Add Family Member

Results

Based on the information you provided, your estimated savings is:

$0/month *

Individuals offered affordable coverage through their employer are not eligible to receive a subsidy towards their health insurance.
 
PLAN LEVEL
BRONZE SILVER GOLD
EstimatedMonthly Premium Before Subsidy $0 $0 $0
EstimatedMonthly Premium After Subsidy $0 $0 $0

(based on current rates. 2015 rates will vary.)

*If you qualify for a subsidy, you will have to purchase individual/family coverage on the federally facilitated Health Insurance Marketplace Exchange to receive the subsidy. You can purchase coverage during the Open Enrollment period for 2016 for Blue KC coverage effective on or after January 1, 2016, or prior to the Open Enrollment period for 2016 if you experience a qualifying life event. SSCE30215

**This subsidy calculator is for illustrative purposes only and is an estimate based on assumed premium amount derived from Blue Cross and Blue Shield of Kansas City (Blue KC) rates as of September 1, 2014, which are subject to change and subject to new ACA exclusions and limitations effective January 1, 2015. The final subsidy calculation and premium rates for the 2016 plan year will not be available until the Open Enrollment period for 2016 begins. Official subsidy eligibility can only be determined and applied at the time of enrollment through the federally facilitated Health Insurance Marketplace. SSCE30215

And remember, opting out of health insurance coverage for 2015 could mean fines from the government when you file your taxes:

$325

per adult* in the household
OR

2%

of total household income
Whichever is higher
*and + $162.50 per child in the household (up to $975)

Health insurance isn’t one-size-fits-all, which is precisely Blue KC offers a wide range of plans designed to fit a wide range of people. But which one is right for you? Let’s take a look.


2015* BLUE KC PLAN FAMILIES

Blue & U Basic

  • Designed exclusively for individuals and families living in Jackson, Clay and Platte counties in Missouri, and Johnson and Wyandotte counties in Kansas.
  • First two visits to a primary care physician require only a $25 copay (bronze) or $10 copay (silver).
  • No out-of-network coverage for Missouri residents.
  • In-network prescription pricing available only at Walmart and Sam’s Club stores.
  • Product has in-network providers from the BlueSelect for Basic Individual network.
  • Download 2015 PDF for more information.

Blue & U First

  • Your first four doctor visits per year don’t require a copay.
  • Good for those who do not plan to visit the doctor frequently.
  • Generic prescriptions cost less than on any other plan at the Silver and Gold levels.
  • Product is available with Preferred-Care Blue (PCB) network providers or, in the Kansas City metro area, it can be purchased with the BlueSelect provider network.
  • Download 2015 PDF for more information.

Blue & U Classic

  • Also known as a “copay plan.”
  • Higher monthly premiums, but predictable costs when you see a doctor or get a prescription.
  • Product is available with Preferred-Care Blue (PCB) network providers or, in the Kansas City metro area, it can be purchased with the BlueSelect provider network.
  • Good for those who want to minimize unexpected medical costs.
  • Download 2015 PDF for more information.

Blue & U Saver

(HSA-Compatible Plan)

  • Also known as an Health Savings Account (HSA) or high-deductible plan.
  • Allows you to pay for certain medical expenses using money you contribute to a tax-free health savings account.
  • Must meet plan’s designated deductible for benefits to take effect.
  • Funds in your HSA will earn tax-free interest and may be invested as well.
  • Product is available with Preferred-Care Blue (PCB) network providers or, in the Kansas City metro area, it can be purchased with the BlueSelect provider network.
  • Download 2015 PDF for more information.

Blue & U SafetyNet

  • Available only to those under 30 years of age or who qualify for a hardship exemption.
  • Must be purchased directly through Blue KC, i.e. not available on the Exchange.
  • Designed to provide a safety net for unexpected medical costs.
  • Download 2015 PDF for more information.

*Plan families for 2015 only, and are subject to change for 2016 Open Enrollment.

Bronze Coverage Bronze Coverage
Silver Coverage Silver Coverage
Gold Coverage Gold Coverage
Platinum Coverage Platinum Coverage

COVERAGE NETWORKS

Coverage Map Coverage Map

Blue KC has three networks of doctors and hospitals, each offering a unique level of coverage locally and nationally. To see which networks your doctor is a part of, visit the Blue KC Hospital and Doctor Finder.

Preferred-Care Blue

Our most comprehensive network. Offers coverage in all 32 Blue KC counties, plus BlueCard in-network coverage nationwide.

BlueSelect

A limited network. Offers coverage only to residents of Jackson, Clay and Platte counties in Missouri, and Johnson and Wyandotte counties in Kansas. There are no in-network providers in the other 27 counties in Missouri that are in the Blue KC service area. This network includes BlueCard in-network coverage nationwide.

BlueSelect for Basic Individual

Our most limited network. Offers coverage only to residents of Jackson, Clay and Platte counties in Missouri, and Johnson and Wyandotte counties in Kansas. There are no in-network providers in the other 27 counties in Missouri that are in the Blue KC service area. Plans in this network have very limited out-of-network coverage for Kansas residents and no out-of-network coverage for Missouri residents. In-network prescription pricing is only available at Walmart and Sam’s Club stores. This network does not include BlueCard in-network coverage nationwide.


Still have questions? Call us at 1-888-800-4479

Remind Me

Don’t let life get in the way of getting the coverage and info you need. Get emails or texts to help you remember the important dates above, or sign up to receive health insurance-related news stories delivered to your inbox.

Sign up for Blue KC text and email alerts now.

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