Basic Blue
Basic Blue offers hospital-medical-surgical coverage as the foundation of the program. You save on premiums as a result of the program limiting or eliminating coverage for features such as office visits and outpatient prescription drugs.
With Basic Blue, you get to choose your own doctors and hospitals, and select a deductible that fits your budget. Payment will be made at the maximum allowance when eligible services are received from Blue Cross and Blue Shield of Kansas contracting providers.
Learn how the Blue Choice network enhances your Basic Blue coverage
Benefit Summary
Hospital Services
- Room, board & general nursing services
- Radiology & laboratory services
- Anesthesia & anesthesia recovery room
- Operating room & delivery room
- Inpatient drugs & medicines
- Medical emergency services
- Maternity & newborn services (husband and wife must be enrolled in same plan)
- Outpatient hospital services
- Mental illness & substance use disorders
Medical-Surgical Services
- Surgery & anesthesia
- Radiation therapy
- Diagnostic radioisotopes
- Endoscopic procedures
- Radiology & laboratory services
- Limited dental services
- Maternity & newborn services (husband and wife must be enrolled in same plan)
- Consultations (one per hospital admission)
- Accidental injury services
Deductible
A choice of deductibles is available:
- $500 per person/$1,000 family
- $1,000 per person/$2,000 family
Coinsurance
Expenses are covered at 50 percent up to $1,000 per person/$2,000 family, then BCBSKS pays 100 percent of allowed charges for the remainder of the benefit period.
Optional Benefits:
- Dental Program
- Hospital Indemnity Program
- Life Insurance
- Long-term Care Insurance
- Plan 150 (Cancer Policy)
Exclusions
See the Exclusions page for details.
Additional Program Information
- Inpatient Admissions - Pre-admission certification is required for all planned inpatient admissions.
- Dependent Coverage - Unmarried dependent children are covered to age 23.
- Benefit Period - A 12-month period beginning on the date your health insurance coverage starts.
- Waiting Period - A 240-day waiting period on new contracts applies to obstetrical services; operations for removal of tonsils and/or adenoids; treatment for tumors or growths; treatment for hernia; and treatment for conditions of gallbladder, rectum and genito-urinary tract.
Prescription Drug Savings Program
A prescription drug discount card that offers unlimited usage and unlimited savings. (Note: This is not an insured benefit.)
More Information
- Phone: Learn more about the features of Basic Blue by calling 785-291-4303 in Topeka or toll-free at 1-800-874-1823, 8 a.m. to 4:30 p.m., Monday through Friday.
- E-mail: Send a note to our Basic Blue representative. Please provide a daytime phone number in your message indicating where and when you can be reached. All requests will be responded to via phone within two business days.
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