For a list of BC/BS providers, you can log onto their website at www.bluekc.com. For a list of Delta Dental providers, you can log on to their website at www.deltadentalks.com and click on their "Locate a Dentist" link.

You will need to contact Gabby Philbrook at the Admin Office if you are wanting to change your name due to marriage/divorce, etc. You may also want to change your beneficiaries due to your recent change in status.

Simply contact Payroll for the forms to complete. Forms are also online for your convenience.

No.  There will be an open enrollment period in which you can apply to "buy-up".  Keep in mind that since you chose not to buy-up initially when you were first hired, that there will be a health questionnaire to complete and you will have to go through the underwriting process first before being approved.

You can make changes once a year during open enrollment (generally held in Oct/Nov of each year for a January 1 effective date of each calendar year). The only other way changes can be made any other time of the year is if a "status change" or "qualifying event" occurs in your life. Examples: birth/adoption, marriage, divorce, change in work status, etc. If this is the case, contact Gabby Philbrook at the Admin Office.

The federal law known as COBRA (sometimes called "continuation of coverage") protects the health care rights of workers who are laid off, as well as spouses and dependents in certain situations. It enables you to keep your benefits for 18 months, and sometimes up to 36 months, depending on the circumstances. You will be responsible for paying the full monthly premiums that your employer previously paid, plus a slight administrative fee of up to 2 percent. While COBRA payments might come as a shock to your wallet, the alternative is trying to find an individual health plan until — or if — you can get into another group plan.

You will need to contact Gretchen Herron in Payroll to set up an appointment to go over your pay while you will be absent. Depending on the time of the year you give birth, you may have some dock in your pay and it is important to iron this out with payroll.

You will also want to contact Gabby Philbrook in Benefits to find out about the benefits you have regarding short-term disability.  You are covered whether or not you bought-up. After the birth you will also need to contact Benefits within 30 days if you wish to cover your newborn through your health plan.  If your newborn will be covered elsewhere, there is no need to contact Benefits.

BC/BS: Up until the end of the calendar year in which the dependent turns age 26; Delta: 21 Both are regardless if they are a full-time student

If you are traveling out of the BCBS network and you are on an HMO, only true emergencies will be covered. You will be partially covered if you are on the PPO plan. Refer to your plan details or call BCBS at 816-395-2950.

PCP stands for Primary Care Physician. BC/BS does require those on the HMO to choose or "name" a PCP. You may change your PCP once a month, however, they won't become effective until the first of the following month.

If you are on an HMO or on of the PPO plans, you do not have to get referrals to see a specialist. You simply choose a provider in the network, make an appointment and go.

By law, the plan under the employer you work for becomes your primary insurance. Your spouse's will become your secondary and you will be, in essence, double-covered.

If you have a dependent child that is covered under both parents, the parent that is older will hold the primary policy.