MEMBER GUIDE - 4StudentHealth.com
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MEMBER GUIDE Fully Insured
WELCOME TO BLUE KC
By choosing Kansas City's health insurance leader, you've started on the path
toward a healthier life.
Besides giving you healthcare choices that fit the way you live, Blue Cross and Blue Shield of Kansas City (Blue KC) helps you navigate your
healthcare process, and shows you how to get the greatest benefits from your plan.
Let's get acquainted.
The materials in this enrollment booklet were compiled for you, and represent your health plan. Please review the following pages
thoroughly, and file this in a safe place for reference later.
The information contained in this Member Guide is intended for summary purposes only. For full details regarding the terms and conditions of your specific health plan and benefits,
please consult the Plan document for your plan which is available from Blue KC or your employer.
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IMPORTANT
RESOURCES
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MyBlueKC.com
YOUR BLUE KC MEMBER ID CARD
The Blue Cross and Blue Shield of Kansas City
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(Blue KC) member ID Card is your key to unlocking
all the coverage and benefits your plan has to offer.
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You can present your card anytime you visit
your doctor, receive healthcare services or fill 2 6
a prescription. It contains information healthcare 3
professionals need to make sure your care
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is covered.
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Understand Your Member ID Card
1. Member ID Number – This is the number we use to identify You can quickly view, print or email a copy of your member ID card
you and your policy. It’s also what providers use to file claims from your member portal at MyBlueKC.com.
on your behalf.
2. Group Number – This number is used to classify our
members into groups, usually by the employer they receive
their plan from.
3. Plan Type – This describes what type of insurance plan you
have (for example, a PPO plan).
4. Customer Service Phone Number – Call this number when
you have a question about your Blue KC policy. Our Customer
Service staff is available Monday through Friday from 8 a.m.
to 8 p.m. Central Time.
5. Network Name – This is the network of hospitals, physicians
and pharmacies that accept your Blue KC policy. It’s important
that you see healthcare providers who are in your network to
ensure you maximize the benefits of your policy.
6. Copayment – The amount you pay each time you receive a
covered healthcare service.
7. Suitcase – Some Blue KC members have access to our
“BlueCard” program, which extends the benefits of your Blue
KC plan to all 50 states.
Find a Doctor
The Blue KC Doctor and Hospital Finder makes finding an in-network doctor, hospital or other healthcare provider quick and easy. In addition
to viewing basic information, such as medical school attended, residency completed and board certification status, you can also read patient
reviews, rate your doctor and view costs and treatment timelines for common procedures.
To view the most accurate information related to your network, be sure to first log in to MyBlueKC.com. By doing so, the results from the
Doctor and Hospital Finder will be tailored to your specific Blue KC network.
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Important Resources
YOUR MEMBER PORTAL ON MYBLUEKC.COM
You deserve to enjoy all the benefits of being a Blue KC member, and our member portal can help you find
just what you need. Simply register online at MyBlueKC.com to take advantage of the tools and information
available to you.
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1. Plan Benefits – View your medical contract, summary of 4. Find Care – This is where you can access the Blue KC Doctor
benefits and coverage, and more. If your Blue KC policy and Hospital Finder. See which healthcare providers are
includes pharmacy benefits, you'll have tools to help you covered by your network, and search for ones who can meet
locate a pharmacy, learn about the differences between your specific needs. From this section you can also search for
generic and brand name medications, save on prescriptions a pharmacy or dentist.
and access the Blue KC Prescription Drug List. 5. Ask Us – Get answers to questions about your Blue KC policy
2. Claims & Usage – Check the status of your claims and export or health insurance in general.
a list of past claims. You can view a copy of your Explanation
of Benefits, which you receive after every visit to a healthcare
provider. This section also includes graphs to illustrate your
plan usage.
3. Health & Wellness – We’re proud to offer a variety of
resources to help you stay healthy and live well. Learn more
about our A Healthier YouTM wellness program and Healthy
CompanionTM condition management program.
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MyBlueKC.com
HOW TO READ YOUR EXPLANATION
OF BENEFITS (EOB)
When you visit a doctor or hospital, they work with Blue KC to file a claim on your behalf. These claims are
outlined on your EOB. It’s your go-to reference for important information like how much of your care was
covered and how much you may still need to pay.
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07/06/2016
08/14/2016
07/06/2016
08/14/2016
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2016
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07/06/2016
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2016
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Important Resources
1. Member Information Section – Information about you and 8. Allowable Charges – This is the total of the claim after all
your recent claim. discounts and other reductions. Deductible and coinsurance
amounts are calculated from this figure.
2. This Is Not A Bill – Your EOB is just a documentation of how
Blue KC has processed your claim. If you do receive a bill from 9. Copay – The amount a member must pay each time a
your provider, you can use your EOB to ensure the amount specific covered service is received, if your policy includes
billed is correct based on your Blue KC coverage. copayments.
3. Narrative – A brief overview of how your claim was 10. Deductible – The portion of the claim being applied to your
processed. plan deductible. This amount must be paid by you before
benefits become payable by Blue KC.
4. Claim-at-a-Glance – A simple equation to show how your
claim is paid. Please review the Detailed Explanation section 11. Coinsurance – The percentage of an allowable charge you
for further details. must pay for a covered service. Generally, the deductible
must be met before your coinsurance applies.
5. Detailed Explanation of this Claim – This area combines
critical payment information into one convenient summary. 12. Plan Payment – This is the amount that Blue KC will pay to
Please review this carefully as it clearly outlines the Blue KC the provider or member for the claim.
negotiated savings as well as any fees and services for which 13. Deductible Information – This area documents what your
you are responsible. deductible status was at the time the claim was processed.
6. Blue KC Member Savings – Blue KC has negotiated these Many times, this information will be outdated by the time you
savings with providers on your behalf. This is one of the most receive an EOB. You can get your most recent and up-to-date
valuable aspects of having coverage with Blue KC. deductible information in your member portal at
MyBlueKC.com under the Benefits section.
7. Other – Amounts deducted from the Billed Charges for a
variety of reasons. Amounts in this column may reduce your
out-of-pocket expenses.
Your Explanation of
Benefits (EOB) online
Your EOBs are always available in your
member portal on MyBlueKC.com,
under the Claims & Usage section.
WANT YOUR EOB ELECTRONICALLY INSTEAD OF VIA MAIL?
If you want to opt-out of receiving paper copies of your
EOB, simply manage the communication preferences in the
profile section of your member portal on MyBlueKC.com.
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MyBlueKC.com
THE BLUECARD PROGRAM
Across the Country and Around the Globe
With your Blue KC member ID card, you can stay covered no matter where life takes you.
Available for Blue KC
PPO & EPO plans only
Your Blue Cross and Blue Shield of Kansas City (Blue KC) membership gives you a world of healthcare choices across the country
and around the globe. Follow these simple steps to put the power of Blue KC coverage to work for you.
Locate doctors and hospitals
With your Blue KC member ID card handy, follow these steps:
• Visit the Blue National Doctor & Hospital Finder at BCBS.com
• Call BlueCard Access at 1-800-810-BLUE (2583) to get info about doctors and hospitals in your area
If you’re a PPO member, always use a BlueCard PPO doctor or hospital to make sure you receive the highest level of benefits.
HMO members only have out-of-network benefits in the case of an emergency or when prior authorized by Blue KC.
10In the United States Around the World
1. Always carry your current Blue KC ID card. 1. Verify your international benefits with Blue KC before
leaving the United States as coverage may be different
2. Find a nearby doctor or hospital using the methods listed on
outside the country.
previous page.
2. Always carry your current Blue KC member ID card.
3. Call Blue KC for precertification or prior authorization, if
necessary. The phone number is located on your Blue KC 3. Call the Blue Cross Blue Shield Global Core (BCBS
member ID card. Global Core) at 1-800-810- BLUE (2583) or call collect
at 1-804-673-1177 to locate a doctor. An assistance
4. When you arrive at the participating doctor’s office or hospital,
coordinator will arrange a physician appointment or
show the provider your ID card. The provider will identify your
hospitalization if necessary. This line is available 24/7.
benefits through one of these symbols:
4. Please see below for steps that should be taken for
inpatient and professional services.
Inpatient claim: In most cases, you should not need to pay upfront
After you receive care, you should: for inpatient care at participating BCBS Global Core hospitals except
for the out-of-pocket expenses (non-covered services, deductible,
• Not have to complete any claim forms
copay and coinsurance) you normally pay. The hospital should
• Not have to pay upfront for medical services, except for submit the claim on your behalf. In addition to contacting the
the usual out-of-pocket expenses (non-covered services, BCBS Global Core Service Center, call Blue KC for precertification
deductible, copay and coinsurance) or preauthorization. Refer to the phone number on your Blue KC
• Receive an explanation of benefits from Blue KC member ID card. Note: This number is different from the phone
number listed above.
PPO Benefits
Professional claim: You pay upfront for care received from a doctor
and/or non-participating hospital. Complete a BCBS Global Core
BCKC NAME PPO International claim form and send it with the bill(s) to the BCBS
®
ID#: YBW08T600050
SUFFIX: 00
Global Core Service Center (the address is on the form). The claim
Traditional/Indemnity Benefits
form is available from Blue KC, the BCBS Global Core Service
GROUP#: 30100000 EMERG ROOM
URGENT CARE Center or online at bcbsglobalcore.com.
PLAN: HMO OFFICE VISIT
®
SMITH, JOHN SPECIALIST
816-000-0000 INPATIENT
CUSTOMER SERVICE: OUTPATIENT IN AN EMERGENCY, GO TO THE NEAREST HOSPITAL.
816-000-0000 / 000-000-0000 RXBIN: 003858 PCN: A4 Group KCBA
Blue KC HMO plan members can leverage the Away From Home program, which provides convenient healthcare coverage while you are
away from your Home HMO. Contact your Blue KC Representative for more information.
11MyBlueKC.com MOBILE TOOLS TO STAY CONNECTED Our mobile site is designed to give you access to our most frequently used tools. Whether you simply need to find a doctor quickly or have a moment to check on a claim, it’s all at your fingertips. Once logged in, take a look at how easy it is to access these tools and manage your healthcare even when you’re on the go. Go to MyBlueKC.com on your phone Find Care Search for providers and find the most up-to-date and accurate information about doctors and hospitals in your Blue KC network. Claims & Usage A quick way to take a look at past claims and check on the status of current ones. ID Cards Quickly view, print or email a copy of your member ID card. 12
Important Resources
ROUTINE PREVENTIVE SERVICES
Covered by Your Blue KC Health Plan
Information about in-network routine preventive care and the related office visit.
Routine preventive services
In-network routine preventive care services and the related office visit for routine preventive care services is covered at 100%. Services must
be billed with a primary diagnosis of preventive to be covered at 100%. Routine preventive care services are subject to the terms, conditions
and limitations of your Contract/Certificate of Coverage. Not all plans will cover all preventive services at 100%, so be sure to consult your
Certificate of Coverage for details.
Your provider may order tests during your preventive care visit that are not preventive care. These tests may be subject to deductibles,
copays and/or coinsurance. Your provider may also treat an existing condition (or you may have symptoms of an illness at the time of your
visit). Treatment or tests for that existing condition are not preventive care and are subject to deductibles, copays and/or coinsurance.
Prostate exams and prostate specific antigen (PSA) tests Additional examinations, testing and services:
Pelvic exams and pap smears1, including those performed at the direction • Hemoglobin/Complete Blood Count (CBC)
of a Physician in a mobile facility certified by Centers for Medicare and • Metabolic screening1
Medicaid Services (CMS) • Hearing exams
Mammograms if ordered by a Physician, including those performed at the Immunizations:
direction of a Physician in a mobile facility certified by CMS Covered Immunizations are limited to the parameters recommended
Colorectal cancer exams1 and laboratory tests consisting of a digital rectal by the Advisory Committee on Immunization Practices and/or adopted
exam and the following: Fecal occult blood test, Fecal DNA test, by the Center for Disease Control.1
Flexible sigmoidoscopy, Colonoscopy; Double contrast barium enema • Catch-up for Hepatitis B
• Catch-up for varicella
Newborn hearing screening, audiological assessment and follow-up, and
• Catch-up for MMR
initial amplifications
• Tetanus boosters as necessary, including tetanus, diphtheria and
Childhood Immunizations1 pertussis; diphtheria and tetanus; and tetanus only
• Pneumococcal vaccine
• At least 5 doses of vaccine against diphtheria, pertussis,tetanus;
• Influenza virus vaccine
• At least 4 doses of vaccine against polio, Haemophilus Influenza
• Meningococcal vaccine
Type b (Hib);
• Catch-up for Hepatitis A
• At least 3 doses of vaccine against Hepatitis B;
• HPV vaccine
• 2 doses of vaccine against measles, mumps, and rubella;
• Zoster vaccine
• 2 doses of vaccine against varicella;
• Polio vaccine
• At least 4 doses of vaccine against pediatric pneumococcal (PCV7);
• Haemophilus Influenza Type b (Hib) vaccine
• 1 dose of vaccine against influenza;
• At least one dose of vaccine against Hepatitis A; Urinalysis
• 3 doses of vaccine against Rotavirus; Glucose screening
• Such other vaccines and dosages as may be prescribed by the State
Department of Health Thyroid stimulating hormone screening
Lipid cholesterol panel
Lead testing
HIV screening
Outpatient physician examinations1
HPV testing2
Chest x-ray
Chlamydia Trachomatis testing
Electrocardiogram (EKG)
Gonorrhea testing
13MyBlueKC.com
One-time screening for abdominal aortic aneurysm by ultrasonography in men ages 65 to 75 years who have
Abdominal aortic aneurysm screening: men
ever smoked.
Clinicians screen adults age 18 years or older for alcohol misuse and provide persons engaged in risky or
Alcohol misuse: screening and counseling
hazardous drinking with brief behavioral counseling interventions to reduce alcohol misuse.
Initiating low-dose aspirin use for the primary prevention of cardiovascular disease and colorectal cancer in
Aspirin to prevent cardiovascular adults aged 50 to 59 years who have a 10% or greater 10-year cardiovascular risk, are not at increased risk
disease: adults for bleeding, have a life expectancy of at least 10 years, and are willing to take low-dose aspirin daily for at
least 10 years.
Screening for asymptomatic bacteriuria with urine culture in pregnant women at 12 to 16 weeks’ gestation or
Bacteriuria screening: pregnant women
at the first prenatal visit, if later.
Screening for high blood pressure in adults age 18 years and older obtaining measurements outside of the
Blood pressure screening: adults
clinical setting for diagnostic confirmation before starting treatment.
Primary care providers screen women who have family members with breast, ovarian, tubal, or peritoneal
cancer with one of several screening tools designed to identify a family history that may be associated with
BRCA risk assessment and
an increased risk for potentially harmful mutations in breast cancer susceptibility genes (BRCA1 or BRCA2).
genetic counseling/testing
Women with positive screening results should receive genetic counseling and, if indicated after counseling,
BRCA testing.
Clinicians engage in shared, informed decision making with women who are at increased risk for breast cancer
about medications to reduce their risk. For women who are at increased risk for breast cancer and at low risk
Breast cancer preventive medication
for adverse medication effects, clinicians should offer to prescribe risk-reducing medications, such as tamoxifen
or raloxifene.
Screening mammography for women, with or without clinical breast examination, every 1 to 2 years for women
Breast cancer screening
age 40 years and older.
Breastfeeding interventions2 Provide interventions during pregnancy and after birth to promote and support breastfeeding.
Screening for cervical cancer in women ages 21 to 65 years with cytology (Pap smear) every 3 years or, for
Cervical cancer screening women ages 30 to 65 years who want to lengthen the screening interval, screening with a combination of
cytology and human papillomavirus (HPV) testing every 5 years.
Screening for chlamydia in sexually active women age 24 years or younger and in older women who are at
Chlamydia screening: women1
increased risk for infection.
Colorectal cancer screening Screening for colorectal cancer starting at age 45 years and continuing until age 75 years.
All FDA-approved contraceptive methods, sterilization procedures, and patient education and counseling for
Contraceptive methods and counseling2
women with reproductive capacity.
Application of fluoride varnish to the primary teeth of all infants and children starting at the age of primary tooth
Dental caries prevention: infants and
eruption in primary care practices. Primary care clinicians prescribe oral fluoride supplementation starting at
children up to age 5 years
age 6 months for children whose water supply is fluoride deficient.
Screening for major depressive disorder (MDD) in adolescents aged 12 to 18 years. Screening should be
Depression screening: adolescents implemented with adequate systems in place to ensure accurate diagnosis, effective treatment, and
appropriate follow-up.
Screening for depression in the general adult population, including pregnant and postpartum women. Screening
Depression screening: aduts should be implemented with adequate systems in place to ensure accurate diagnosis, effective treatment, and
appropriate follow-up.
14Important Resources
Screening for abnormal blood glucose as part of cardiovascular risk assessment in adults aged 40 to 70
Diabetes screening years who are overweight or obese. Clinicians should offer or refer patients with abnormal blood glucose to
intensive behavioral counseling interventions to promote a healthful diet and physical activity.
Falls prevention in older adults: exercise or Exercise or physical therapy to prevent falls in community-dwelling adults age 65 years and older who are at
physical therapy increased risk for falls.
Vitamin D supplementation to prevent falls in community-dwelling adults age 65 years and older who are at
Falls prevention in older adults: vitamin D
increased risk for falls.
All women who are planning or capable of pregnancy take a daily supplement containing 0.4 to 0.8 mg (400
Folic acid supplementation
to 800 µg) of folic acid.
Gestational diabetes mellitus screening2 Screening for gestational diabetes mellitus in asymptomatic pregnant women after 24 weeks of gestation.
Prophylactic ocular topical medication for all newborns for the prevention of gonococcal
Gonorrhea prophylactic medication: newborns
ophthalmia neonatorum.
Screening for gonorrhea in sexually active women age 24 years or younger and in older women who are at
Gonorrhea screening: women
increased risk for infection.
Healthy diet and physical activity counseling Offering or referring adults who are overweight or obese and have additional cardiovascular disease (CVD)
to prevent cardiovascular disease: adults with risk factors to intensive behavioral counseling interventions to promote a healthful diet and physical activity
cardiovascular risk factors for CVD prevention.
Hemoglobinopathies screening: newborns Screening for sickle cell disease in newborns.
Hepatitis B screening: nonpregnant adolescents
Screening for hepatitis B virus infection in persons at high risk for infection.
and adults
Hepatitis B screening: pregnant women Screening for hepatitis B virus infection in pregnant women at their first prenatal visit.
Screening for HCV infection in persons at high risk for infection. Also recommends offering a 1-time
Hepatitis C virus infection screening: adults
screening for HCV infection to adults born between 1945 and 1965.
HIV screening: nonpregnant adolescents Clinicians screen for HIV infection in adolescents and adults ages 15 to 65 years. Younger adolescents and
and adults1 older adults who are at increased risk should also be screened.
Clinicians screen all pregnant women for HIV, including those who present in labor who are untested and
HIV screening: pregnant women1
whose HIV status is unknown.
Hypothyrodism screening: newborns Screening for congenital hypothyroidism in newborns.
Clinicians screen women of childbearing age for intimate partner violence, such as domestic violence, and
Intimate partner violence screening: women of
provide or refer women who screen positive to intervention services. This recommendation applies to women
childbearing age2
who do not have signs or symptoms of abuse.
Annual screening for lung cancer with low-dose computed tomography in adults aged 55 to 80 years who
have a 30 pack-year smoking history and currently smoke or have quit within the past 15 years. Screening
Lung cancer screening
should be discontinued once a person has not smoked for 15 years or develops a health problem that
substantially limits life expectancy or the ability or willingness to have curative lung surgery.
Screening all adults for obesity. Clinicians should offer or refer patients with a body mass index of 30 kg/m2
Obesity screening and counseling: adults
or higher to intensive, multicomponent behavioral interventions.
Obesity screening and counseling: children Clinicians screen for obesity in children and adolescents age 6 years and older and offer them or refer them
and adolescents to comprehensive, intensive behavioral interventions to promote improvement in weight status.
Screening for osteoporosis in women age 65 years and older and in younger women whose fracture risk is
Osteoporosis screening: women
equal to or greater than that of a 65-year-old white woman who has no additional risk factors.
15MyBlueKC.com
Phenylketonuria screening: newborns Screening for phenylketonuria in newborns.
Use of low-dose aspirin (81 mg/d) as preventive medication after 12 weeks of gestation in women who are
Preeclampsia prevention: aspirin
at high risk for preeclampsia.
Rh incompatibility screening: Rh (D) blood typing and antibody testing for all pregnant women during their first visit for
first pregnancy visit pregnancy-related care.
Rh incompatibility screening: Repeated Rh (D) antibody testing for all unsensitized Rh (D)-negative women at 24 to 28 weeks’ gestation,
24–28 weeks’ gestation unless the biological father is known to be Rh (D)-negative.
Intensive behavioral counseling for all sexually active adolescents and for adults at increased risk for sexually
Sexually transmitted infections counseling2
transmitted infections.
Adults without a history of cardiovascular disease (CVD) (i.e., symptomatic coronary artery disease or
Statin preventive medication: adults ages 40–75 ischemic stroke) use a low- to moderate-dose statin for the prevention of CVD events and mortality when
years with no history of CVD, 1 or more CVD risk all of the following criteria are met: 1) they are ages 40 to 75 years; 2) they have 1 or more CVD risk factors
factors, and a calculated 10-year CVD event risk (i.e., dyslipidemia, diabetes, hypertension, or smoking); and 3) they have a calculated 10-year risk of a
of 10% or greater cardiovascular event of 10% or greater. Identification of dyslipidemia and calculation of 10-year CVD event
risk requires universal lipids screening in adults ages 40 to 75 years.
Counseling children, adolescents, and young adults ages 10 to 24 years who have fair skin about minimizing
Skin cancer behavioral counseling
their exposure to ultraviolet radiation to reduce risk for skin cancer.
Syphilis screening: nonpregnant persons Clinicians screen persons at increased risk for syphilis infection.
Syphilis screening: pregnant women Clinicians screen all pregnant women for syphilis infection.
Clinicians ask all adults about tobacco use, advise them to stop using tobacco, and provide behavioral
interventions and U.S. Food and Drug Administration (FDA)–approved pharmacotherapy for cessation to
Tobacco use counseling and interventions:
adults who use tobacco. This includes two tobacco cessation attempts per year (both prescription and
nonpregnant adults
over-the-counter medications) for a 90-day treatment regimen when prescribed by an in-network health care
provider without prior authorization.
Clinicians ask all pregnant women about tobacco use, advise them to stop using tobacco, and provide
behavioral interventions for cessation to pregnant women who use tobacco. This includes two tobacco
Tobacco use counseling: pregnant women
cessation attempts per year (both prescription and over-the-counter medications) for a 90-day treatment
regimen when prescribed by an in-network health care provider without prior authorization.
Clinicians provide interventions, including education or brief counseling, to prevent initiation of tobacco
Tobacco use interventions: use in school-aged children and adolescents. This includes two tobacco cessation attempts per year (both
children and adolescents prescription and over-the-counter medications) for a 90-day treatment regimen when prescribed by an in-
network health care provider without prior authorization.
Tuberculosis screening: adults Screening for latent tuberculosis infection in populations at increased risk.
Vision screening at least once in all children ages 3 to 5 years to detect amblyopia
Visual screening: children
or its risk factors.
Out-of-network services
All services received from an out-of-network provider are subject to the out-of-network deductible and coinsurance, except for childhood
immunizations, which are paid at 100%. This summary is being provided for informational purposes only, and is subject to change.
1 Indicates services that are required by the Affordable Care Act (ACA), but are already covered by Blue KC.
2 Indicates services that are required by the ACA as part of the Preventive Services for Women.
This information is intended as a reference tool for your convenience and is not a guarantee of payment. Your provider has access to current diagnosis and procedure codes
associated with these services for correct claims submission.
16FINDING A
PROVIDER
17MyBlueKC.com
FIND THE BEST CARE OPTION
Where to Go for Medical Care
Know your care options so you can make the best decision for you and your family.
Your health and wellness are important to us. We want to help you
make the best decision about where to go for medical care.
The following guidelines and chart can help you determine when
and where you should go to seek medical care.
First Option: Primary Care Physician
If you need medical care, but it is not an emergency, you should
always call your Primary Care Physician (PCP) for an appointment. If
you are not sure if your symptoms require emergency care, contact
your PCP to help you evaluate your symptoms and determine
where you need to go.
Whether you receive care in an emergency room or at an urgent
care center, you should notify your PCP of your visit when you can.
Keeping your PCP informed is the best way to ensure he or she is
aware of your medical history.
Alternative Options: Urgent Care
Center, Walk-In Clinic or Telehealth
(Amwell)
If you need to take care of a problem right away because you feel
sick or uncomfortable, and you do not have a PCP or your PCP is
not available, an urgent care center, walk-in clinic or telehealth visit Emergency Option: Emergency Room
may be the next best option. Emergency rooms are set up to focus on medical emergencies,
and not routine healthcare. When you go to the emergency room,
Generally, urgent care centers offer walk-in service and are often a healthcare provider, who may not be familiar with your medical
open before and after regular business hours and weekends. In history, will determine whether you need emergency care. We also
most cases, an appointment is not necessary. want you to be aware that if you go to the emergency room for a
problem that is not an emergency, it may cost you more.
Additionally, Blue Cross and Blue Shield of Kansas City (Blue KC)
expanded our network to include American Well (Amwell*), bringing
you care wherever you are 24/7 – right in the palm of your hand. IMPORTANT – Members with serious or life-threatening injuries
The Amwell mobile app can be downloaded directly to your phone or illnesses should be taken directly to an emergency room, or
or tablet. Or, if you prefer the Web, visit Amwell.com. After creating call 911. You must notify Blue KC of any emergency hospital
an account, you can view a list of available doctors and select one to admission within 48 hours of the admission time, or as soon
engage in a secure live video visit. Tip: Be sure to select Blue KC as reasonably possible.
from the plan drop-down list.
*American Well’s online Care Group is an independent provider contracted to
participate in Blue KC’s commercial provider networks.
18Finding A Provider
Guide to Finding the Best Care Option
Primary Care Retail Walk-in Telehealth/ Urgent Care Emergency
Physician Clinic Amwell Center Room
Mild Asthma
Minor Headaches
Sprains, Strains
Nausea, Vomiting, Diarrhea
Bumps, Cuts, Scrapes
Burning with Urination
Coughs, Sore Throat
Ear and Sinus Pain
Eye Swelling, Irritation,
Redness or Pain
Minor Allergic Reactions
Minor Fevers, Colds
Rashes, Minor Burns
Vaccinations
Animal bites
Stitches
X-rays
Back Pain
Any life-threatening or disabling condition including
difficulty breathing
Sudden or unexplained loss of consciousness
Chest pain, numbness in face, arm or leg; difficulty
speaking
Severe shortness of breath
High fever with stiff neck, mental confusion or
difficulty breathing
Coughing up or vomiting blood
Cut or wound that won’t stop bleeding
Major injuries
Possible broken bones
* For many members, deductibles and coinsurance may also apply, which can make an even greater difference in the cost between an emergency room and other care options.
19MyBlueKC.com
DOCTOR AND HOSPITAL FINDER
Access to High-Quality Healthcare Providers
After logging in – Click Find Care on the left and then click
Find a Doctor to access the Blue KC Doctor and Hospital Finder.
Complete the following search fields:
A B
C
A. Your Location – Select your search location
(city, ZIP, etc.).
B. Your Plan – Your plan’s network should display, but
if it does not, you can find your network name at the
top of your Blue KC member ID card.
C. Select a Category – Search using many
The Blue KC Doctor and Hospital Finder helps you make more
categories, such as:
informed decisions using many features like search filters,
cost estimates, comparison options, provider reviews and • Doctors by name or specialty - Search by first
quality information. or last name, or a specialty, such as “primary care
physician” or “OB/GYN”
Start your search • Places by name or specialty - Enter the name of
Log into the Blue KC Doctor and Hospital Finder on MyBlueKC.com a hospital or clinic, or types of facilities near you
to find the most up-to-date search results for doctors, hospitals or
• Costs for procedures - Get cost estimates for
other healthcare providers in your network. If this is your first time
medical procedures, such as “MRI,” “flu shot” or
logging in, you will need your Blue KC member ID card to reference.
“eye exam”
• Treatment timelines - Search treatment
information for long-term medical conditions that
include stages of healing, such as “total knee
replacement” or “coronary bypass surgery”
• Condition information - Search conditions such
as “deviated septum” or "lumbar (low back pain)"
and read medical information to find treatment
options and doctors, which can provide insights
into how you can lower your total costs and the
support you might need
20Finding A Provider
Narrow your search results Compare providers
Use filters to narrow your search results, such as by provider
gender, distance, specialty and/or languages spoken.
With your search results, you can select various providers or
facilities to compare.
• From your search results, select providers to compare.
Use the “BDTC” filter to search for a • After selecting providers, view a side-by-side comparison of
Blue Distinction Total Care doctor. each profile so you can see how they rank.
Provider reviews
Easily read and write provider reviews and rate your care on a scale
Use the BDTC filter to find a Blue Distinction Total Care provider.
of one to five stars. Your feedback helps doctors and staff make
Use the Blue Distinction Specialties filter to find a healthcare improvements, plus, by rating your doctor, you will help others
facility recognized for specialty care, such as cardiac care, knee/hip locate physicians with high patient satisfaction scores. Surveys are
replacement, etc. NOTE: you must use the search term “hospital” confidential – doctors will not know you rated them.
on the previous page in order to display these results.
Blue Distinction Total Care (BDTC) doctors go
above and beyond to enhance the overall health
of their patients, providing preventive services Having Trouble?
and health coaching, and supporting patients with Please call the Customer Service number found on your
chronic conditions to better manage their care. Blue KC member ID card.
1
Designation as a Blue Distinction Total Care Provider means the Provider or Facility has met
the established national criteria. To find out which services are covered under your policy,
please log into your MyBlueKC.com member portal to access your member certificate. To
Blue Distinction Centers (BDC) are facilities find out which providers are in your network, please use the Doctor and Hospital Finder on
MyBlueKC.com. Blue KC is not responsible for any damages, losses, or non-covered charges
awarded the Blue Distinction Centers and Blue that may result from using Blue Distinction or receiving care from a Blue Distinction or other
provider.
Distinction Centers+ designations for their proven
2
Blue Distinction Centers (BDC) met overall quality measures for patient safety and outcomes,
history of delivering better quality and results for developed with input from the medical community. Blue Distinction Centers+ (BDC+) also
the following areas of specialty care: met cost measures that address consumers’ need for affordable healthcare. Each provider’s
cost of care is evaluated using data from its Local Blue Plan. National criteria for BDC and
BDC+ are displayed on www.bcbs.com. Individual outcomes may vary. For details on a
• Bariatric Surgery, Cardiac Care, Complex provider’s in-network status, log into your MyBlueKC.com member portal and use the Doctor
and Hospital Finder. To find out which services are covered under your policy, please log into
and Rare Cancers, Knee/Hip Replacement, your MyBlueKC.com member portal to access your member certificate. Neither Blue Cross
and Blue Shield Association nor any Blue Plans are responsible for non-covered charges or
Maternity Care, Spine Surgery and Transplants other losses or damages resulting from Blue Distinction or other provider finder information or
care received from Blue Distinction or other providers.
21BRINGING HOME
GREAT CARE
23MyBlueKC.com
IMMEDIATE ACCESS TO CARE
Telehealth Online Doctor Visits
Live and immediate 24/7 access to care for common medical issues.
SAVE TIME WITH AMWELL TELEHEALTH VISITS
Blue Cross and Blue Shield of Kansas City (Blue KC) wants to improve your access to care. That’s why we’ve
expanded our networks to include American Well (Amwell)1, a service that can bring you care from the comfort
and convenience of your home or wherever you are. Amwell is available to most Blue KC members (Medicare
Advantage members do not have access).
Use this service for easy access to care for common medical issues
like cold, flu, fever, abdominal pain, migraines, possible ear infection,
rash and sinusitis.
Amwell visits are considered “urgent care” and will process according to
your urgent care benefits, cost sharing or copay unless otherwise noted
in your member certificate.2
Get started today
1. Download the Amwell Mobile App or visit Amwell.com.
2. Create an account in a few simple steps. Be sure to use your Blue
KC member ID card in order to input your insurance information.
Also be sure to choose Blue KC from the plan drop-down list.
3. View a list of available doctors, their experience and ratings, and
then select one that works for you.
4. Stream a live visit directly from the Web or your mobile device.
TELEHEALTH BENEFITS
Open 24 Hours Safe & Secure
Doctors are available 24 Your information is kept
hours a day, 365 days a year. private throughout the visit.
Care that Goes Anywhere
Install the Amwell mobile app and No Appointments
access healthcare from anywhere, Just sign in – no more
anytime. waiting rooms.
To learn more about Amwell, visit Amwell.com.
1
American Well's Online Care Group is an independent provider contracted to participate in Blue KC's commercial provider networks.
2
If special Amwell benefits apply, this will be noted as a “Designated Telehealth” benefit on your certificate. You can access your certificate on MyBlueKC.com.
24Bringing Home Great Care
HEALTHY COMPANION™ PROGRAM
Support for Chronic Health Conditions
Education and support
Healthy Companion helps you understand your condition and HEALTHY COMPANION TOOLS
treatment options with access to nurses, tools, resources and AND RESOURCES
one-on-one support.
Condition management
The level of support you receive from the program will be based
ONLINE TIPS
on your needs and preferences. Our nurses may contact you
occasionally to assist with your care plan, answer your questions, EDUCATIONAL CLINICAL
and provide support and encouragement. Updates are provided to REMINDERS SUPPORT
your doctor so they stay informed of your health status.
Eligibility
Members who have been identified with any of the conditions
If you have recently been diagnosed, and would like to sign up
listed below are automatically enrolled.
for immediate support, contact Healthy Companion.
• Asthma
• Chronic Obstructive Pulmonary Disease (COPD)
CALL: 816-395-2076 | Toll Free 1-866-859-3813
• Depression
• Diabetes EMAIL: HealthyCompanion@BlueKC.com
• Heart Disease
• Heart Failure
• High Blood Pressure
• Metabolic Syndrome
• Stress and Anxiety
25YOUR
PRESCRIPTIONS
27MyBlueKC.com
CLOSE-UP ON GENERIC DRUGS
A Quality, Cost-Efficient Alternative
Using a generic instead of a brand name drug can help save you money.
Understanding generics WHAT IS THE DIFFERENCE BETWEEN A GENERIC AND
BRAND NAME DRUG?
WHAT ARE GENERIC DRUGS? Just the name and the price. The generic drug has the same active
A generic drug is a less expensive version of its brand name ingredients and same medical effect. Generic drugs just have a
counterpart. Generic drugs are made with the same active name based on the chemical compound that makes up the drug
ingredients and are available in the same strength and dosage as and cost you less.
the brand name version.
WHAT PROCESS DO GENERIC DRUGS GO THROUGH
FOR APPROVAL?
Availability
A generic drug has to meet the same strict standards the U.S. HOW CAN I GET GENERIC DRUGS?
government sets for a brand name drug. The U.S. government Call your doctor and ask if any prescriptions you are currently taking
strictly regulates the manufacturing process of all drugs, and all can be filled with a generic version.
manufacturers have to meet the same standards. GENERIC DRUG PRESCRIPTION?
DO ALL DRUGS HAVE GENERIC EQUIVALENTS? You can receive the highest level of coverage on prescription drugs
No. A generic version does not exist for every brand name drug. through your Blue Cross and Blue Shield of Kansas City (Blue KC)
Some brand name drugs are protected by patents for up to 20 health plan by remembering to ask your doctor for a generic version
years, so a generic cannot be produced immediately. However, of the prescription. Double check with your pharmacist that you’re
about half of all prescription drugs currently on the market do have a receiving the most cost-effective prescription medication.
generic version available.
28Your Prescriptions
Rx SAVINGS SOLUTIONS HELPS
YOU SAVE ON PRESCRIPTIONS
There are new ways to save on prescription medications. Blue Some of the ways you might save include:
KC has partnered with Rx Savings Solutions to bring cutting-edge
• Switching pharmacies
technology that will notify you via text message and/or email when
you and your family can save at the pharmacy. • Trying a generic or a different generic medication
• Trying therapeutic alternatives
DID YOU KNOW?
STEP 1 Rx Savings Solutions was created
by a pharmacist who found ways
to help consumers save money.
GET TEXT AND
EMAIL ALERTS Prescription prices can vary widely,
even within the same ZIP code.
HOW TO SET UP ALERTS
A Visit MyBlueKC.com. Once logged in, click on Once on the Rx Savings page,
B C
If you are a first-time visitor, Plan Benefits on the fill in your email address and
click REGISTER NOW. Please left. Then click mobile phone number.
have your member ID card Pharmacy Plan Info Start receiving email and/or text alerts
available to reference. and then Spend Less from Rx Savings Solutions!
at the Pharmacy.
STEP 2 REVIEW YOUR SAVINGS OPTIONS AND
SHARE WITH YOUR DOCTOR STEP 3
START SAVING ON
PHARMACY A
PRESCRIPTIONS
PHARMACY B
Example: Switch from
Pharmacy A to Pharmacy B. Example: Switch to a different,
equally effective medication.
DON’T WANT TO WAIT? For more
You don’t have to wait for a savings notification. information, call
Take a look for yourself and start saving today. the Customer
• Log in to MyBlueKC.com. Service number
listed on your
• Click on Plan Benefits on the left, then click the
member ID card.
Pharmacy Plan Info and Spend Less at the Pharmacy.
• Check your Rx Savings Solutions home page for savings
opportunities or use the search feature to view different
medications.
29MyBlueKC.com
PRESCRIPTION HOME DELIVERY
Save on Prescription Costs
Express Scripts pharmacy handles millions of prescriptions each year through home delivery.
Express Scripts, the company that manages your prescription plan for Blue KC, wants to ensure you are doing
all you can to save on your maintenance prescription costs.
Maintenance prescription drugs are HOME DELIVERY HELPS!
considered those taken on a regular
basis and are appropriate for up to a
102-day supply.
TAKE YOUR
Transfer your maintenance medications MEDICATIONS
to home delivery AS PRESCRIBED
• Log into MyBlueKC.com. Click Plan Benefits on the left. SAVE ON SAVE TIME WITH
PRESCRIPTION NO TRIPS TO
• Then select the Pharmacy Plan Info. From that screen click COSTS THE PHARMACY
the Visit Express Scripts button to be redirected to the
Express Scripts website.
• Once redirected, the screen will display a message that says
“We’ll do the work for you.” Click on the link in the message to CONTACT EXPRESS SCRIPTS
view your prescriptions that are eligible for home delivery. If you do not have internet access, or if you would
like Express Scripts to assist you in transferring your
• Complete the steps and submit your form. Once received, routine medications to home delivery, or if you have any
Express Scripts will reach out to your doctor to obtain an questions, please call: (toll free) 855-812-7198
updated prescription to initiate home delivery.
Express Scripts is an independent company which serves as the Pharmacy Benefits Manager (PBM) on behalf of Blue KC.
30LIVING HEALTHY
31MyBlueKC.com
A HEALTHIER YOU™
Personalized Online and Mobile Wellness
Take Control of Your Health. Get Healthy and Earn Chances to Win Great Prizes
The Blue Cross and Blue Shield of Kansas City (Blue KC) A Healthier You program gives you convenient online
and mobile access to several wellness tools that allow you to get healthy and earn chances to win great prizes.
LOG ON TO MYBLUEKC.COM
FROM YOUR COMPUTER
AND CLICK ON
HEALTH & WELLNESS
(USE GOOGLE CHROME)
OR
DOWNLOAD THE BLUE KC
A HEALTHIER YOU
MOBILE APP FROM YOUR
APP STORE.
First-time users will be prompted to
complete registration personalization
questions. Please have your member
ID card available to reference.
TRACK YOUR HEALTH, EARN
POINTS AND GET SUPPORT Take the Health Risk Assessment and
receive your personal health summary.
WHEREVER YOU ARE.
Get answers or search symptoms within
Configure your Personalized Care plan and
your Personalized Care plans.
view your screening results (if available).
Complete health actions and earn points to
Connect and manage your devices and
enter monthly sweepstakes drawings.
apps for more points.
32BREAST PUMP COVERAGE
Information and In-Network Providers
If you have a breast pump benefit on your plan, Blue KC will cover the allowable charge.
Breastfeeding is one of the best ways you can protect your baby’s 3.) ORDER
health. And if you’ve decided to do so, your Blue KC health plan may At about 30 weeks, order your breast pump by contacting one of
have coverage for a breast pump. the in-network local or mail-order breast pump providers listed on
the following page.
Learn More Please allow roughly four weeks to receive your breast pump in the
Find out if you have a breast pump benefit and how to order mail. Contact your breast pump provider with ordering questions as
by taking these steps: they can best assist you.
1.) INQUIRE If you have a breast pump benefit on your plan, Blue KC will cover
Call Blue KC Customer Service at the number on your member the allowable charge for a manual or electric breast pump, either
ID card. double or single to meet the needs of you and your baby. The
allowable benefit coverage may vary if you live outside the Blue KC
2.) GET A PRESCRIPTION service area.
If your plan includes a breast pump benefit, ask your doctor for
a prescription for a breast pump once you reach 26-28 weeks. In-network breast pump providers will have certain types of brands
on hand. You are limited to one breast pump per pregnancy.
If you have benefit-related questions, contact Blue KC Customer
Service by calling the phone number on your member ID card.
33MyBlueKC.com Living Healthy
In-Network Breast Pump Providers
Helpful Tips:
• If you have not obtained a prescription from your doctor for a • There are walk-in locations within the Blue KC service area, or
breast pump, you can ask the breast pump provider to request you may contact an in-network mail-order provider.
the prescription for you. • You will need your Blue KC member ID card on hand when
you place your order.
WALK-IN LOCATIONS*: KANSAS CITY IN-NETWORK PROVIDERS
*For a complete listing of local walk-in locations, call Blue KC Customer Service at the number listed on your member ID card.
Freedom
Preferred-Care
Phone Network and BlueSelect and
Covered Network Location Blue and Blue-Care
Number Freedom BlueSelect Plus
Preferred-Care
Network Select
Advanced
Medical Lenexa, KS (913) 745-4468 X X X
Solutions
American Care
Overland Park, KS (913) 383-3456 X X X X
Equipment
Elite Medical
Lenexa, KS (913) 940-0491 X X X X
Innovations
Expresscare
Kansas City, KS (913) 789-9573 X X X
Medical Services
Mobility First Independence, MO (816) 350-7600 X X X X
Nevada, MO (800) 562-8876 X X X
Rich Hill, MO (800) 410-9184 X X X
Wilkinson Lebanon, MO (888) 383-4431 X X X
Homecare
Lamar, MO (888) 986-3784 X X X
Equipment
(7 locations in Missouri) Holden, MO (888) 660-6103 X X X
El Dorado Springs, MO (800) 824-6098 X X X
Camdenton, MO (888) 573-0014 X X X
In-Network Mail Order Providers*
*State access varies; please call the listed provider to ensure breast pumps are available for your location.
Edgepark Better Living Now
Web: edgepark.com / Phone: (800) 321-0591 Web: betterlivingnow.com / Phone: (800) 854-5729
When prompted for “breast pump,” press 1. Better Living Now is not a contracted provider in our BlueSelect network.
Progressive Medical Yummy Mummy
Web: pmikc.com / Phone: (913) 685-5861 Web: yummymummystore.com / Phone: (855) 879-8669
Email: service@progressivemedicalinc.com Yummy Mummy is not a contracted provider in our BlueSelect network.
Progressive Medical is not a contracted provider in our BlueSelect network.
Byram Healthcare Centers, Inc. Medline Industries, Inc.
Web: byramhealthcare.com / Phone: (877) 773-1972 Web: medline.com / Phone: (877) 436-8522
Email: breast-pumps@byramhealthcare.com Medline Industries is not a contracted provider in our BlueSelect network.
Byram Healthcare Centers, Inc. is not a contracted provider in our BlueSelect network.
Mobility First Aeroflow
Web: mobilityfirst.com / Phone: (816) 350-7600 Web: aeroflowinc.com / Phone: (888) 973-0279
Aeroflow is not a contracted provider in our BlueSelect network.
34SAVE MONEY. LIVE HEALTHY.
Join Blue365® and start saving today!
With Blue365, great deals are yours for every aspect
of your life – like 20% off at Reebok.com, discounted CHECK OUT THESE TOP BRANDS
products through Jenny Craig, or a gym membership WITH DISCOUNTS JUST FOR YOU
for only $25 a month.
Register now at Blue365deals.com/BlueKC to take advantage
of Blue365. It’s an online destination featuring healthy deals and
discounts exclusively for our members.
Just have your Blue KC member ID card handy. In a couple of
minutes, you will be registered and ready to shop. Every week we
will send a special deal straight to your email inbox.
© 2000-2018 Blue Cross Blue Shield Association – All Rights Reserved. The Blue365 program is brought to you by the Blue Cross Blue Shield Association. The Blue Cross Blue Shield
Association is an association of independent, locally operated Blue Cross and/or Blue Shield Companies. Blue Cross and Blue Shield of Kansas City is an independent licensee of the Blue
Cross Blue Shield Association. Blue365 offers access to savings on health and wellness products and services and other interesting items that Members may purchase from independent
vendors, which are different from covered benefits under your policies with your local Blue Company, its contracts with Medicare, or any other applicable federal healthcare program.
To find out what is covered under your policies, contact Blue KC. The products and services described on the Site are neither offered nor guaranteed under your Blue Company’s contract
with the Medicare program. In addition, they are not subject to the Medicare appeals process. Any disputes regarding your health insurance products and services may be subject to
your Blue Company’s grievance process. BCBSA may receive payments from vendors providing products and services on or accessible through the Site. Neither BCBSA nor any Blue
Company recommends, endorses, warrants, or guarantees any specific vendor, product or service available under or through the Blue365 Program or Site.
35MORE
INFORMATION
37IMPORTANT INFORMATION ABOUT YOUR PLAN
__________________________________________________________________
As a current or prospective member of Blue Cross and Blue Shield of Kansas City (Blue KC),
we believe it is important for you to fully understand all aspects of your health plan. This
information is provided to help you understand your rights and your coverage. Please read the
following information carefully.
__________________________________________________________________
About your Benefit Summary
Your benefit summary is for informational purposes only and contains only a partial, general
description of plan benefits. This summary is provided to give you a brief outline of your
benefits. It does not constitute a contract. Consult your plan documents (Schedule of Benefits
and Certificate of Coverage) to determine governing contractual provisions, including
procedures, exclusions and limitations relating to your plan. As with all healthcare plans, there
are certain services that are not covered. Some services are subject to limitations. All the terms
and conditions of your plan are subject to the terms of the contract and to applicable law and
regulations. The availability of a plan or program may vary by geographic service area.
Member Rights and Responsibilities
As a member of Blue KC you have certain rights and responsibilities. For your benefit we have
outlined the rights and responsibilities of our members for the various plans we offer.
You have the right to:
• Receive considerate and courteous care with respect and recognition of personal privacy,
dignity and confidentiality.
• Have a candid discussion of medically necessary and appropriate treatment options or
services for your condition from any participating physician, regardless of cost or benefit.
• Receive medically necessary and appropriate care or services from any participating
physician or other participating healthcare provider from those available as listed in your
managed care plan directory or from any nonparticipating physician or other healthcare
provider.
• Receive information and diagnosis in clear and understandable terms, and ask questions
to ensure you understand what you are told by your physician and other medical
personnel.
• Participate with Providers and practitioners in making decisions about your healthcare,
including accepting and refusing medical or surgical treatments.
• Give informed consent to treatment and make advance treatment directives, including the
right to name a surrogate decision maker in the event you cannot participate in decision
making.
38
MCM_ Important Info – Insured 03/16 03/16• Discuss your medical records with your physician and have health records kept
confidential, except when disclosure is required by law or to further your treatment.
• Be provided with information about your managed healthcare plan, its services and the
practitioners and providers providing care, as well as have the opportunity to make
recommendations about your rights and responsibilities.
• Communicate any concerns with your managed healthcare plan regarding care or services
you received, receive an answer to those concerns within a reasonable time, and initiate
the complaint and grievance procedure if you are not satisfied.
You have the responsibility to:
• Respect the dignity of other members and those who provide care and services through
your managed healthcare plan.
• Ask questions of your treatment physician or treatment provider until you fully
understand the care you are receiving and participate in developing mutually agreed upon
treatment goals to the degree possible.
• Follow the mutually agreed upon plans and instructions for care that you have discussed
with your healthcare practitioner, including those regarding medications. Comply with all
treatment follow-up plans, and be aware of the medical consequences of not following
instructions.
• Communicate openly and honestly with your treatment provider regarding your medical
history, health conditions, and the care you receive.
• Keep all scheduled healthcare appointments and provide advance notification to the
appropriate provider if it is necessary to cancel an appointment.
• Know how to use the services of your managed healthcare properly.
• Supply information (to the extent possible) that the organization and its practitioners and
providers need in order to provide care.
How to Obtain Care After Hours
If you need to obtain care after normal business hours, on the weekend or on a holiday, use the
following options:
1) Emergency care – If you are in need of emergency care, seek services at the nearest
network emergency department, if possible. If the situation is critical, visit the nearest
non-network emergency department.
2) Urgent care – If you are in need of urgent care, call the physician office to speak to an on-
call doctor after regular hours.
3) Non-urgent care – If the need for care is not urgent or an emergency, we encourage you to
wait and call during normal business hours.
Online (Website) Security Policy
Blue KC has implemented numerous security features to prevent the unauthorized release of or
access to personal information. Please see BlueKC.com for further information about online
security.
39
MCM_ Important Info – Insured 03/16 03/16You can also read
