Health changes. Your lifestyle shouldn’t.

We can help make sure you can keep living the life you love.

Protect yourself and your family from unexpected costs

Just the thought of a hospital stay or being treated for cancer can leave you feeling down. The emotional and physical toll is beyond upsetting. But what about the added financial expenses that can begin to add up during these times? Blue Cross and Blue Shield of Kansas is here for you. To help you pay for unexpected bills and out-of-pocket expenses, we offer two exceptional plans.

Cash benefits paid directly to you

Get either plan today to add the extra insurance protection you may need at surprisingly affordable rates.

Secure Hospital Indemnity PlanSM (S-HIP)

Pays cash if you're hospitalized.

  • Receive $50 per day (day 1 to 3)
  • Receive $200 per day (day 4 to 365)
  • Higher starting benefit for accidents
  • Pays double benefits when in ICU

Secure 300 Cancer PlanSM (Secure 300)

Pays cash if you're treated for cancer.

  • $300 inpatient benefits
  • $100 outpatient benefits
  • Pays in addition to your other coverages
  • Wellness service benefits pay you money*

*Applicable Wellness Screenings: $50 benefit paid one time per year, per insured (age 18 and over) for breast ultrasound, breast MRI, mammograms, CA 15-3 (blood test for breast cancer), pap smear, thinprep, biopsy, CEA (blood test for colon cancer), testicular ultrasound, thermography, flexible sigmoidoscopy, colonoscopy, virtual colonoscopy, hemoccult stool specimen.

Why do I need Secure Hospital Indemnity PlanSM (S-HIP)?

  • Average hospital stay for respiratory infections or pneumonia = 5.75 days*
  • Average hospital stay for bypass surgery or cardiac catheterization = 7.75 days*
  • Average hospital stay for kidney or urinary tract infections = 4.92 days*

*Based on BCBSKS 2021 claims data. Actual number of days will vary depending on each person's medical condition.

Why do I need Secure 300 Cancer PlanSM (Secure 300)?

  • FACT: In 2022, the American Cancer Society estimates that more than 1.9 million Americans will be diagnosed with cancer.*

    What's more, cancer doesn’t discriminate. Men and women of all ages and all ethnic backgrounds are at risk of developing cancer.

*www.cancer.org (Cancer Facts and Figures 2022)

What are the rates?

Based on your needs, get this extra protection for less than 25 cents a day for either plan.

  • S-HIP
    Rates ranging from $3.23 - $19.00 per month.
  • SECURE 300
    Rates ranging from $5.57 - $13.14 per month.

    S-HIP

    • Cash benefits begin on first day – receive $50 per day from day one to three.
    • Receive $200 per day – from day four to 365.
    • Higher starting benefit for accidents – receive $200 daily starting on day one when hospitalized due to an accident.
    • Pays double benefits when in ICU – $200 benefit doubles to $400 per day when you're admitted in intensive care or a coronary care unit within a hospital.
    • Day of discharge is included.
    • Use cash benefits for anything – all cash benefits are paid directly to you to spend as you choose. Pay for gas, meals, lodging for family and more.
    • Acceptance is guaranteed – because you're already insured with Blue Cross and Blue Shield of Kansas.
    • Simple claim filing – just ask your hospital for an itemized statement of your stay and submit it with your S-HIP claim form.
    • Easy to apply – no medical exam is required and there are no health questions to answer.
    • Coverage for dependents – includes unmarried dependents by birth or adoption to age 23 and unmarried dependents incapable of self support. See contract for details.

    There's a standard waiting period for pre-existing conditions. If you seek or receive diagnosis, treatment or advice about a condition in the 90 days prior to the date your coverage begins (your effective date), the waiting period is 365 days before that pre-existing condition is covered.

    Secure 300

    • $300 inpatient benefits – each day you receive inpatient hospital cancer care.
    • $100 outpatient benefits – each day you receive the following outpatient services: surgery, chemotherapy (excluding oral), radiation therapy and surgical endoscopic procedures.
    • Wellness service benefits – $50 paid (one time per year, per insured age 18 and over) with documentation that you received any of the applicable wellness screenings such as mammograms, colonoscopies and pap smears. See contract for full list of applicable wellness screenings. Inpatient, outpatient and wellness benefit payments combining for a total lifetime maximum of $250,000 per insured.
    • Pays in addition to your other coverages – benefits are paid regardless of how much you receive from other health insurance, including Medicare.
    • Fast and complete payments – so you can pay your expenses promptly or use your cash benefit however you choose.
    • Easy claim filing – simply submit your claim form directly to Blue Cross and Blue Shield of Kansas (forms will be included in your policy packet when enrollment is accepted).
    • Coverage for dependents – includes unmarried dependents by birth or adoption to age 23 and unmarried dependents incapable of self support. See contract for details.

      S-HIP

      • The first 365 days of a hospital stay after the date this coverage becomes effective for the insured, if that particular hospital stay was in progress on the date this coverage became effective for the insured.
      • Any portion of a hospital admission that is primarily for skilled nursing care (including swing beds) rather than acute.
      • Admission for the primary purpose of performing acupuncture.
      • Admission for dental care.
      • Admissions that are not medically necessary.
      • Inpatient skilled care, intermediate care, convalescent care, custodial/maintenance care or rest cares.
      • Admission to rehabilitation facilities (not acute care).

      Secure 300

      • Benefits will not be provided for medical, surgical or hospital services, drugs and devices.

        S-HIP

        Available to Kansas residents (not living in Johnson or Wyandotte counties) who are currently enrolled in Minimum Essential Coverage*.

        Secure 300

        Available to Kansas residents (not living in Johnson or Wyandotte counties) with no known history of cancer, who are currently enrolled in Minimum Essential Coverage*.

        *Minimum Essential Coverage is the type of coverage an individual needs to have to meet the individual responsibility requirement under the Affordable Care Act. This includes individual market policies, job-based coverage, Medicare, Medicaid, CHIP, TRICARE and certain other coverage.

          You have a no-risk 10-day review to decide if S-HIP and/or Secure 300 are right for you. If you are not completely satisfied, return the policy and your premium will be refunded to you in full.

            Secure Hospital Indemnity PlanSM (S-HIP)

            Simply submit your Hospital Indemnity Plan Claim Form as instructed. We'll promptly send your payment so you can use your cash benefit any way you choose.

            Secure 300 Cancer PlanSM (Secure 300)

            Simply submit your Cancer Plan Claim Form as instructed. We'll promptly send your payment so you can use your cash benefit any way you choose.

            Questions?
            We're here for you.

            To learn more about either of these products, you may contact us by phone or email. If contacting us by email, please provide a daytime phone number in your message indicating when you can be reached. All requests will be responded to via phone within two business days.

            Under age 65?

            (800) 641-1019
            [email protected]  


            65 or over?

            (800) 752-6650
            [email protected]