Welcome to KsHealthPlan.com
What is KsHealthPlan.com?
It is the web site established to provide the necessary information for Accredited Businesses of the Better Business Bureau (BBB) whom wish to enroll in a health and/or dental insurance plan. The BBB located in Wichita, Kansas serves Southeast, Central and Western Kansas. The BBB is located at 345 N. Riverview, Suite 720 in Wichita. See "Directions to BBB" on the left side of this home page.
Health insurance is becoming more difficult to find and to afford each year. We have several plans which may help you satisfy your health insurance needs. How? Let’s start with a little background.
The BBB has been offering a health plan to its Accredited Members for over 15 years. Accredited Businesses may elect to enroll in either the Health Maintenance Organization (HMO) or the High Deductible Health Plan (HDHP). The HMO is only available to those BBB enrollees living in the service area. The HDHP is available statewide.
There is one change in 2010 for the HMO plan and that is the addition of the Open Network. This means for those in the Wichita area, you can still access all hospitals in the Via Christi System and in 2010, also access Wesley Hospital.
There are several changes in the HDHP beginning on January 1, 2010. First, there are now two HDHP options. The only difference is in the deductible. As in the past, there is the $2500 individual / $5000 family deductible and for 2010, the BBB has added a $3500 individual / $7000 deductible. Both plan designs are the same except for the deductible amounts. As with all selections, all employees must be on the same plan selected by employer. Remember, the HDHP includes a well man / well women visit and a routine eye exam once a year to a contracted provider with no out of pocket expense to the insured.
The second change to the HDHP plans is that beginning on January 1, 2010, both HDHP plans offer a Hospital Open Access which means in the Wichita area, you have access to both the Via Christi Hospital Network as well as Wesley Hospital.
They may also elect to enroll in one of the two dental options that are now available. The dental plan can be elected by the Accredited Business either with or without electing a health plan. You can find the Delta Dental forms on the left side of this page.
Please note: In order to be eligible to enroll in the Dental program, you must have at least two subscribers enroll and these subscribers must reside at different addresses. In other words, a couple only counts as one subscriber and if they were the only subcriber wanting to enroll, they would not be eligible.
Whatever election the Accredited Business selects, all enrolling employees of the business must select the same option(s).
The health plans are being offered by Preferred Health Systems and the dental plans are offered through Delta Dental of Kansas. Both plans are "guaranteed issue" plans (no need for health questionnaire) as long as the member enrolls during the open enrollment period. Open enrollments are held each year with approximate dates of mid-November to mid-December for a January 1 effective date. An employee of a BBB Accredited Business may request application during other times but acceptance will be based on medical underwriting (health questionnaire).
The other time when a member can enroll without the need for a health questionnaire is when a business becomes a new Accredited Business of the BBB. As long as the employer and employees enroll within 30 days of their new BBB Accredited Business membership, there is no need for a health questionnaire. Please note: All effective dates with the health plan are as of the 1st day of the month. The plan year is the calendar year (January 1 through December 31) regardless of when the Accredited Business enrolls in the plan.
What about new employees which a BBB Accredited Business hires throughout the year? New employees can enroll in the currently offered plan without a health questionnaire as long as enrollment takes place within 60 days of becoming a new employee of the BBB Accredited Business.
When a BBB Accredited Business enrolls in the health plan, 75% of all eligible employees must enroll. Eligible employees are those who work at least 30 hours per week and are not covered by a spouse’s or parent’s employer group plan. The employer is expected to contribute a minimum of 50% of the employee’s portion of the monthly premium.
Along with the HDHP, the enrollee must enroll in a Health Savings Account (HSA). The HSA is a tax-exempt trust or custodial account established for the purpose of paying qualified medical expenses as long as they are covered by a HDHP.
For a complete HMO plan description and rates, please go here.
There are two different HDHP plans. For a complete $2,500 Deductible HDHP plan description and rates go to here and for a complete $3,500 Deductible HDHP plan description and rates go to here.
Are you confused about the two available plans? Here’s a little help.
First, the HMO works to keep you healthy. With HMO coverage, you receive your health care from a network of health care providers. From that network, you choose a primary care physician to be your family doctor. To find a primary care physician, please go to here. Remember, you must live within the service area to be eligible to enroll in the HMO. Click here to view the service area. He or she will provide the general care you and your family need. As a result, the plan helps foster a close relationship between you and your doctor. When you need services your doctor cannot provide, he or she will refer you to specialists or other providers within the network. Services which are not provided or referred by your PCP or prior authorized by PPK are not covered.
The HMO encourages you and your family to stay healthy and well by providing coverage for immunizations, health screenings, periodic checkups, prenatal care, surveys, and other preventive health care and wellness services.
The HDHP is a health plan that satisfies certain requirements with respect to deductibles and out of pocket expenses. By meeting these requirements, the members contribute to a Health Savings Account and receive favorable tax treatment as well as many other advantages. You may wish to go to this site for further information regarding HSAs.
In addition, the HDHP through Preferred Health Systems Insurance Company (PHSIC) is a Preferred Provider Organization (PPO). A covered person may utilize any provider, however, if a contracting provider is utilized, the covered person will receive the Network level of benefits. If the covered person utilizes a non-contracting provider, the covered person will receive the non-network level of benefits. Typically, it is to your advantage to use a network provider to receive the maximum level of coverage. Please consult the benefit description as there are certain preventative services which are not subject to the deductible.
Please note that both plans offer maternity benefits after the applicable copay with the HMO or at 100% once the deductible is met with the HDHP. (Please note that deductible expenses for maternity under the HDHP may be an allowable qualified expense which may be paid through your HSA).
The HMO does not have an outpatient Prescription Drug Benefit. The HDHP does include an outpatient Prescription Drug Benefit, however you will have to meet the deductible before the benefit begins.
Please note: Any references to plan descriptions, deductibles and copays are for illustrative purposes. Please consult the Certificate of coverage for complete plan provisions, limitations and exclusions.
For further information, please complete the form on the right hand side at the top of this page.
Open enrollment is now open for 2010
Enrollment is open from now until December 18th, 2009.
Questions?
If you have questions, please contact Insurance Resources. You may use the contact form bellow or you reach us at:
Insurance Resources
7701 E. Kellogg, Suite 435
Wichita, KS 67207
(316) 685-8000
* = Required Field