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Explore Options with Several Providers
Explore Options with Humana
Explore Options with Blue Cross Blue Shield of Kansas City
Explore options with Coventry Health Care of Kansas
Explore options with Golden Rule, A United Health Care Company
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| Major Medical PPO Health Insurance |
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| Advantages |
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- Provides for a large network of doctors and hospitals
- Good fit for people who travel or have out of state residences
- Offers a wide range of deductibles.
- Can be purchased with or without office visit, prescription drug or dental benefits.
- Currently renewal rates are steady and modest.
- Can insure as single. Spouse or family coverage. Children can be covered under separate policies.
- Less costly than an HMO.
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| Disadvantages |
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| Major Medical HMO Health Insurance |
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| Advantages |
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- No deductibles.
- Less out of pocket expense.
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| Disadvantages |
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- Smaller network of doctors and hospitals.
- More red tape for services out of area or services in area when providers are not in network.
- Higher monthly costs than PPO plans.
- Plan choices are limited to geographical area.
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| Short Term Major Medical Insurance |
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| Advantages |
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- Premiums and coverage are very affordable.
- Some plans can be converted to permanent medical plans.
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| Disadvantages |
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- Temporary coverage.
- Generally no prescription drug coverage.
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| Health Savings Account Plans |
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| Advantages |
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- Lower rates than other medical plans.
- HSA account funds can pay for some non medically necessary services.
- HSA Funds account grows tax deferred.
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| Disadvantages |
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- Must accept higher deductibles to participate.
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