North Kansas City Hospital believes that we can provide the quality care that you need at our facilities. That is why we have a $0 domestic deductible under the traditional health plan. If you choose to seek care outside of North Kansas City Hospital, you will have a deductible.
• There is no deductible for the Domestic Tier in the Traditional Plan.
• There is a $500 deductible for the Domestic Tier in the High Deductible Plan.
• The in-network deductibles are $1,000 individual / $2,500 family for the Traditional Plan.
• The out-of-network deductibles are $4,000 individual / $8,000 family for the Traditional Plan.
• The in-network deductibles are $2,750 individual / $5,500 family for the High Deductible Plan.
• The out-of-network deductibles are $6,600 individual / $13,200 family for the High Deductible Plan.
Our Benefit Partners
- Medical – Blue Cross Blue Shield of Kansas City
- Prescription Drug – MedTrakRx
- Dental – MetLife
- Vision – MetLife
- Flexible Spending Accounts – Navia Benefits Solutions
- Life Insurance, Long-Term Disability, and Short-Term Disability – Cigna
- Critical Illness and Accident Injury Insurance – Cigna
- Universal Life with living benefit rider – Transamerica
We offer employees the choice of two Health plans – Traditional and High Deductible
- 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.
- 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.
- 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. Additional life, disability and voluntary benefits are available to eligible employees.
Dental and Vision Insurance, offered through MetLife
- Eligible employees can enroll in the Dental and Vision plans
Short-term disability, long-term disability, and supplemental life insurance, offered through Cigna
Voluntary Benefit Offerings:
Universal Life Insurance with living benefit rider (Provided by TransAmerica Life)
Employees working 48 hours or more per pay period are eligible for this benefit, administered by Transamerica. Consider enrolling in this benefit that offers permanent life insurance protection with living benefits rider.
- Employee: can enroll up to the $150,000 Guaranteed Issue
- Spouse: can enroll up to the $15,000 Guaranteed Issue as long as employees enroll in the coverage first
- Child(ren): can enroll in one of two options – Standalone $25,000 Universal Life policies OR the $10,000 or $20,000 Child Term Rider, both available at Guaranteed Issue
Click Here for more information.
Accidental Injury Insurance (offered by Cigna)- NEW BENEFIT
Designed to supplement employer-sponsored health coverage, Accidental Injury Insurance pays specific benefit amounts for expenses resulting from non-work-related injuries or accidents. Emergency room visit, hospitalization, and physical therapy are some of the out-of-pocket expenses that this accident insurance could cover. Coverage is available for you, your spouse, and/or your child(ren). This coverage is offered through Cigna. Click Here for more information
Critical Illness (offered by Cigna)
Medical insurance helps reduce costs, but most plans don’t cover all the expenses related to treatment. Critical Illness insurance pays a lump sum benefit in the event you are faced with a covered critical illness such as cancer, heart attack, stroke, and more. Critical Illness coverage is available through Cigna.
Cigna is allowing a guaranteed Issue again this year during Annual 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
The amount you pay for healthcare services before your health insurance begins to pay.
Your share of the costs of a healthcare service, usually figured as a percentage of the amount charged for services.
A fixed amount you pay for a specific medical service (typically an office visit) at the time you receive the service.
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.
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.
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.