Blue Saver - High Deductible Health Plan (HDHP)


Group # 14092000

The Blue Cross and Blue Shield of Kansas City Blue-Saver HDHP medical option allows you the freedom to choose any provider you want. The HDHP option complies with government regulations allowing you to open an associated Health Savings Account (HSA).

The calendar year deductible for this option is $2,600 for employee only coverage and $5,200 for employee plus one or family coverage. In return for the higher deductible amount, you pay a lower monthly premium.

The calendar year, out-of-pocket maximum for the HDHP is:
$2,600 per individual – $5,200 family maximum for in-network services, and
$5,200 per individual - $10,400 family maximum for out-of-network services

With the HDHP, you have access to the same comprehensive network of hospitals, doctors and ancillary medical services available under the Preferred Care PPO medical plan option. Additionally, you have access to a free service called Compass. Compass is a group of trusted healthcare experts who work on your behalf to help get you more for your benefit dollar.

Compass experts provide you support for a whole range of topics including:

  • Doctor Selection
  • Cost Comparisons
  • Scheduling Appointments
  • Reviewing Bills and Charges
  • Answering Simple Insurance Benefit Questions

Compass is available at NO COST to you if you enroll in the HDHP.

Using HDHP in-network providers allows you to enjoy the highest level of benefits and substantial savings. If your physician is not in the network, you can continue to go to your family doctor with confidence, knowing 80% of the negotiated allowable charge will be covered, after the deductible is satisfied.

The college has automated payroll deduction capability to allow you to make pre-tax deductions to a UMB Bank HSA, to be used to accumulate funds to pay your out-of-pocket health care costs. You can find more information on an HSA here, Health Savings Account.

You can use the college's Health Benefit Plan Summary to learn more about the HDHP and compare the other medical options available to you.