What is the difference between an HMO and a Medicare supplement?
In an HMO you are agreeing to receive all of your Medicare services through the HMO. This means you must go through your HMO's network of providers to receive the benefits covered by Medicare. With a Medicare supplement, you are free to choose which physicians you want to receive your Medicare covered services.
Are there any HMOs in Kansas?
Yes, in Sedgwick, Johnson and Wyandotte counties.
What if I am leaving an HMO's coverage area?
You have 63 days from the time you lose your HMO coverage to enroll in a plan from Blue Cross and Blue Shield of Kansas and be guaranteed coverage with no health questions. Otherwise you will have to medically qualify through underwriting.
What if I am on an HMO and want to switch to Blue Cross and Blue Shield of Kansas?
If you are over 65, or past six months from your Medicare Part B effective date you will have to medically qualify through underwriting.