Blue Cross Blue Shield of Kansas City (Blue KC)
Get a BCBS of KC Quote and Join Now!
By Lou Spatafore – Updated Oct 13, 2023
Reviewed by Whitney Kline – Fact checked by Christine Corsini
View BCBS of Kansas City Plans & Pricing
All About Blue Cross Blue Shield of Kansas City
Blue KC is the largest locally-based health insurance company in the Kansas City Area.
They offer a number of metal-tier Affordable Care Act health insurance plans to residents of Kansas City. In addition, they also offer options for dental, travel insurance, and more.
Blue Cross Blue Shield of Kansas City customers get complimentary access to many additional programs such as:
Exclusive Access to Spira Care Centers
Blue KC ACA plans let members use 8 different Spira CareCenter locations for low or even free primary care services.
Personal Care Guides
Signing up with Blue KC will get you a personal Care Guide, who can help you coordinate your care, explain your benefits, and support your health goals.
Mindful by Blue KC
A new and enhanced behavioral health program designed to help members deal with depression, stress, anxiety, substance abuse, and more.
MyBlueKC App
The MyBlueKC App can provide free mental health and telehealth services to all members. This is also a place where you can search providers, research costs, and view medical claims.
BCBS of KC Health Plans
BCBSKC Individual and family plans offered follow the guidelines and essential benefits requirements set by the Affordable Care Act (ACA).
Choice Bronze
The Choice Bronze plan utilizes a network of Spira Care Centers to make routine care more affordable.
- $0 doctor office visits if you use a Spira Care Center
- $0 routine digital x-rays and lab services
- Free telehealth services through the MyBlueKC App
Saver Bronze
Saver Bronze is Blue KC’s HSA-eligible health plan, with a good balance of monthly premium to annual deductible.
- HSA-eligible health plan
- Higher deductible than Choice Bronze
- In-network preventive care services including mammograms, flu shots, and more for $0
Community Gold
The Community Gold plan has a higher premium and a lower deductible, as well a larger provider network than the other plans.
Ready to Sign Up with the BCBS of Kansas City?
At HSA for America, we are here to guide you through the many questions that can arise while trying to find the right health insurance plan. Our Personal Benefits Managers partner with you by taking advantage of all of the money-saving tools available, with the goal in mind saving you as much money as possible.
This professional relationship continues on after you have your health plan secured – to ensure your medical needs are being met and your money is being saved.
Blue Cross Blue Shield of Kansas City FAQs
Q: Is Blue Cross Blue Shield of Kansas City the Same as Blue Cross Blue Shield of Kansas?
A: No. They are separate entities. BCBS Kansas City is a managed care network that specifically operates the Kansas City metro area, and is not statewide either in Missouri or Kansas.
If you’re looking for the statewide BCBS licensee in Kansas, you can find them at a different website: www.bcbsks.com.
Q: When Can I Enroll in a Blue KC Plan?
A: You can enroll during the Affordable Care Act open enrollment period, which runs from November 1st through January 15th.
You may also enroll in a KC Blue Plan outside of the Affordable Care Act Open Enrollment Period if you have a qualifying life event that qualifies you for a special enrollment period.
Examples of qualifying life events include the marriage, divorce, widow(er)hood, job loss resulting in the cancellation of your group insurance plan, relocation, or the birth or adoption of a child.
These events result in a 60-day special enrollment period that will allow you to enroll outside the normal open enrollment period.
If you miss open enrollment, and you don’t qualify for a special enrollment period, you will probably have to wait until the next open enrollment period in November before you can join, with an effective date not earlier than 1 January.
If you are in this situation and need to get some kind of protection in place, you may consider a healthsharing plan, which does not have a restricted open enrollment period. You can sign up for healthsharing at any time.
For more information on healthsharing, click here.
Q: Does Blue Cross Blue Shield of Kansas City Offer Group Health Insurance Plans for Businesses?
A: Yes. BCBS Kansas City offers solutions for both small and large employers, including ACA-qualified group health insurance plans as well as fully-insured health insurance plans designed for larger employers.
Q: Where are the Spira Care Centers?
A: As of this writing, there are eight Spira Care Centers, located in Crossroads, Lee’s Summit, Overland Park, Liberty, Olathe, Shawnee, Tiffany Springs, and Wyandotte.
Q: Does Blue Cross Blue Shield of Kansas City include Medigap and Medicare Advantage plans?
A: Yes. Blue Cross Blue Shield of Kansas City offers a variety of options for Medicare beneficiaries. For help with Medicare-related inquiries, including Medicare supplement insurance (Medigap) and Medicare Advantage plans, you should visit our sister website, MedigapAdvisors.com.
The best thing to do is take advantage of a free individual consultation and analysis by one of our highly-trained Personal Benefits Managers. So you can be sure you’re picking the very best possible plan for your individual situation.
Just click here, select your state, and pick an appointment time and date that works for you.
Q: What health insurance products does Blue Cross Blue Shield of Kansas City offer?
A:The flagship health insurance products for Blue Cross/Blue Shield Kansas City are its “KC Blue” plans. Like other Affordable Care Act-qualified plans, KC Blue plans come in three tiers:
- Bronze (covers approximately 60% of covered medical costs),
- Silver (covers approximately 70% of covered medical costs),
- Gold (covers approximately 80% of covered costs).
Each of these KC Blue plans are ACA-qualified major medical insurance policies sold over the state health insurance exchanges in Missouri and Kansas. However, you can also buy them via an insurance agent.
Depending on your income and the size of your family, KC Blue plans may qualify for a subsidy under the Affordable Care Act.
Q: Does Blue KC Cover Mental Health Care?
A:Yes. The Affordable Care Act requires qualifying plans to include mental health treatment and substance abuse treatment as part of the minimum essential coverages required under the Act.
The Mindful by Blue KC program includes a wide variety of mental health services, including:
- well-being resources
- online therapy,
- online self-guided tools
- managed behavioral health
- expedited access network for members in crisis,
- virtual care appointments.
KC Blue plans also include coverage for rehab and habilitative services designed to integrate people with mental and behavioral health issues into the workforce and society at large.
Q: What is a Spira Care Center?
A: Blue Cross Blue Shield of Kansas City is offering plans with exclusive access to Spira Care Centers.
These innovative health care centers offer a variety of primary care services, including routine preventative care, chronic condition management, sick care, behavioral health consultations, health coaching sessions, a select number of generic prescriptions filled on site, routine lab draws, and digital x-rays.
BCBS members can access Spira Care Centers and receive these health care services at little or no cost, over and above their plan’s premiums.
Q: If I use a Spira Care Center, can I keep my family doctor?
A: Yes. As long as your doctor is within the larger BCBS network, you can keep using your family or primary care doctor(s). All BCBS plan members have access to all the providers in the network.
Q: How Can I Get Help Enrolling in a Blue Cross Blue Shield of Kansas City Plan?
A:To get help enrolling in any Blue Cross Blue Shield of Kansas City plan – or any other health insurance or healthsharing plan for that matter, click here, select your state, and choose an appointment time.
There’s never any charge for our services, and no one can offer lower prices on any plans or carriers we represent.
So there’s no downside to calling and getting professional help from a health insurance expert!
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