Skip to main content

Blue Saver - High Deductible Health Plan (HDHP)

The Blue Cross and Blue Shield of Kansas City Preferred-Care Blue PPO BlueSaver Plan is a HDHP medical option that allows you the freedom to choose any provider you want.

Group # 14092000

The Blue Cross and Blue Shield of Kansas City Preferred-Care Blue PPO BlueSaver Plan is a HDHP medical option that 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 $2,700 for employee only coverage and $5,400 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:
$2,700 per individual – $5,400 family maximum for in-network services, and
$5,400 per individual - $10,800 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 to help you make sense of confusing healthcare benefits, find great doctors, help lower benefit costs or assist with solving billing issues. Compass provisions are detailed here.

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.