2019 Benefit Information

North Kansas City Hospital believes that we can provide the quality care that you need at our facilities. That is why we are offering you a $0 domestic deductible under the traditional health plan for 2019. If you choose to seek care outside of North Kansas City Hospital, you will see a slight increase in deductibles.

  • The in-network deductibles is $1,000 individual / $2,500 family for the Traditional Plan. 
  • The out-of-network deductibles is $4,000 individual / $8,000 family for the Traditional Plan.
  • The in-network deductibles is $2,750 individual / $5,500 family for the High Deductible Plan.
  • The out-of-network deductibles is $6,600 individual / $13,200 family for the High Deductible Plan.
  • There is a $500 deductible for the Domestic Tier in the High Deductible Plan.

Specialty medication users will see a coinsurance of 20%. Users will also be required to fill these specialty medications at a North Kansas City Hospital pharmacy. 

Both the Traditional and the High Deductible plans utilize the BlueSelect Plus network.

Dental and Vision Plans are administered through MetLIfe Insurance company.  

This information and much more is included in the 2019 OE Guide 

Our Benefit Partners

  • Medical – Blue Cross Blue Shield of Kansas City 
  • Prescription Drug – MedTrakRx
  • Dental – MetLife
  • Vision – MetLife
  • Flexible Spending Accounts – Taben Group
  • Life Insurance, Long-Term Disability, and Short-Term Disability – Reliance Standard
  • Critical Illness – Allstate
  • Universal Life – Transamerica

We offer employees the choice of two Health plans – Traditional and High Deductible

  • High Deductible Health Plan: provides you with essential medical coverage at a lower per-pay-period premium in exchange for a higher deductible and out-of-pocket maximum.
  • Traditional Plan: provides essential medical coverage but at a higher per-pay-period premium in exchange for a lower deductible and out-of-pocket maximum.
  • Health Plan members experience lowest out of pocket costs when they utilize North Kansas City Hospital (including the Outpatient Pharmacy) and Meritas providers

What benefits can I enroll?

You can enroll in health, dental, vision, medical and dependent care flexible spending accounts.

Critical Illness (provided by Allstate Insurance) – Critical Illness insurance protects your family and your assets. No one saves to get sick, which is why getting diagnosed with a covered condition can be especially draining, both emotionally and financially. The policy provides you with a lump-sum cash benefit in the event you or a covered loved one is diagnosed with a condition such as cancer, heart attack, or stroke. It can help provide financial protection so you can focus on what’s really important – getting better.

Universal Life Insurance with Long Term Care Benefits (Provided by TransAmerica Life)  – Universal life insurance provides permanent, flexible protections which allows you to choose the amount of coverage that best fits your needs. The policy can also build cash value on a tax-deferred basis. The policy’s living benefits provide financial support and resources to cover the cost of long term care you might need as a result of an accident, illness, or aging.

Important Definitions

Deductible

The amount you pay for healthcare services before your health insurance begins to pay. 

Coinsurance

Your share of the costs of a healthcare service, usually figured as a percentage of the amount charged for services.

Copay

A fixed amount you pay for a specific medical service (typically an office visit) at the time you receive the service.

In-Network

A group of doctors, clinics, hospitals and other healthcare providers that have an agreement with your medical plan provider. You’ll pay less when you use in-network providers.

Out-of-Network

Care received from a doctor, hospital or other provider that is not part of the medical plan agreement. You’ll pay more when you use out-of-network providers.

Out-of-Pocket Maximum

This is the most you must pay for covered services in a plan year. After you spend this amount on deductibles and coinsurance, your health plan pays 100 percent of the costs of covered benefits excluding your copay amount. 

Flexible Spending Accounts

There are 2 types of Flexible Spending Accounts.

  • Health FSA is an account for you and any dependents to use for out of pocket medical, dental and vision expenses.
  • Dependent Care Flex is for daycare and day camps for dependents under the age of 13 years old.

Dental and Vision Insurance, offered through MetLife

  • Employees can enroll in the Dental and Vision plans

Short-term disability, long-term disability, and supplemental life insurance, offered through Reliance Standard

  • Employees can enroll in the Short-term disability, Long-term disability and Supplemental Life Insurance plans

Critical Illness

The Critical Illness insurance is offered through Allstate. Allstate is allowing a guaranteed Issue again this year during Annual Open Enrollment. This means you may elect coverage without having to undergo proof of good health, also known as evidence of insurability.

  • You can elect coverage in amounts up to the guaranteed issue amount of $30,000, without having to go through evidence of insurability. This includes late entrants. You have the opportunity to increase above $30,000, but will be subject to proof of good health (evidence of insurability).
  • Click Here for more information

Universal Life with Long-Term Care Insurance

New hires:

  • Employees can enroll up to $150,000 Guaranteed Issue
    Spouses can enroll up to $15,000 Guaranteed Issue as long as employees enroll in the coverage first

Child –Standalone $25,000 Universal Life policies OR the $10,000 or $20,000 Child Term Rider are available at Guarantee Issue. An employee can elect one or the other option for their Child(ren) but not both

Click Here for more information.