Member FAQs

Updated May 12, 2020

BCBSKS members can find answers to some common questions. We will continue to add to this list as more information is available.

Patients with COVID-19 have had mild to severe respiratory illness with symptoms of
  • Fever of 100.4 or higher
  • Coughing
  • Shortness of breath
These symptoms may appear 2-14 days after exposure.

If you develop emergency warning signs for COVID-19 get medical attention immediately. Emergency warning signs include*:
  • Trouble breathing
  • Persistent pain or pressure in the chest
  • New confusion or inability to arouse
  • Bluish lips or face

*This list is not all inclusive. Please consult your medical provider for any other symptoms that are severe or concerning.

There is currently no vaccine to prevent COVID 19. The best way to prevent infection is to take everyday preventive actions, like avoiding close contact with people who are sick and washing your hands often.
BCBSKS is in alignment with healthcare providers across the state by encouraging those who may be affected by the virus to "Call before you go!" Before seeking testing or treatment at a hospital or doctor's office, members should call and share their symptoms or utilize telehealth services to consult with a healthcare professional.
BCBSKS is encouraging the use of telehealth/telemedicine. Given the nature of the COVID-19 outbreak, seeking in-person medical care may lead to further spreading of the virus. The use of telehealth/telemedicine will help lower the spread of germs and lessen the burden on the Kansas healthcare system. Please check with your doctor to see if he/she is set-up to do telehealth visits.
Telehealth and telemedicine are both terms that are used to describe virtual care. This type of care happens when video cameras and monitors are used to connect you to healthcare providers who are not located near you, meaning you don't have to travel to get the care you need. Some ways you can use telehealth to talk to a doctor include, but are not at all limited to: - Questions and diagnosis of common medical problems, such as headaches, digestive issues, sore throat - Follow-up appointments for chronic care - Virtual visit if you are unable to leave the house - Mental health services Services are available for any visit that is medically reasonable to be done using telehealth. The visit does not have to be specific to COVID-19 testing. Please check with your doctor to see if he/she is set-up to do telehealth visits.

*BCBSKS members: Please check your contract for this benefit. Not all plans include telemedicine coverage.
Cost-sharing (copays, deductibles) for telehealth services for any visit that is medically reasonable are waived until June 30, 2020 for BCBSKS members. The telehealth visit does not have to be specific to COVID-19 testing. Services are available for any visit that is medically reasonable to be done using telehealth and must begin with the patient.

*BCBSKS members: Please check your contract for this benefit. Not all plans include telemedicine coverage.
Yes, BCBSKS is encouraging patients and providers to lower the spread of disease and use social distancing technology such as telehealth, telephone, and/or e-visits. Please check with your doctor to see if he/she is set-up to do telehealth visits.

*BCBSKS members: Please check your contract for this benefit. Not all plans include telemedicine coverage.
BCBSKS coverage commitment includes waiving member cost-sharing (copays, deductibles) for the duration of the declared public health pandemic for the following services:
  • Medically necessary diagnostic tests related to COVID-19;
  • Cost of visit to doctor's office, urgent care, telehealth, and emergency room used for diagnostic testing of COVID-19;
  • Related services (flu tests, respiratory illness tests) provided during urgent care, emergency room, or in-person or telehealth provider visits that result in an order for or administration of a covered diagnostic test for COVID-19.
A: Yes, BCBSKS will cover antibody testing at 100% with no cost to the member through the duration of the declared public health pandemic.
Effective April 3, BCBSKS will waive cost-sharing for treatment of COVID-19 until June 30, 2020. This includes coverage for treatment administered at a doctor’s office, urgent care facility and emergency room, as well as inpatient hospital stays. This applies to fully insured members, along with those who receive their insurance through Medicare Advantage plans. BCBSKS will also work with self-funded customers who want to implement a similar approach.
BCBSKS will allow members to refill prescription medications before they are due to be refilled until June 30, 2020. Early medication refill limits will be waived. Members are also encouraged to use their 90-day mail-in benefit. In cases of drug shortages or access issues, BCBSKS will work to get an equivalent medication at no additional costs to the member.
Masks and gloves are not covered under any BCBSKS plans.

12 Replies to “Member FAQs”

  1. I’m an independent contractor and had no ‘company’ health insurance but I do private pay for my coverage. Is there financial assistance to pay my premiums?

    1. Hi Felisa. If you currently have individual health insurance coverage and have had a change in your income, you may be eligible to buy insurance with financial assistance through healthcare.gov.

  2. So I have been suspended from my work. I will soon not be able to pay my deductible… are you guys stopping the charge for my deductible?

    1. Hi Jose. If you’ve lost health insurance coverage due to a job loss, you may be eligible to buy insurance with financial assistance through healthcare.gov.

  3. I will be in another state to help my daughter recover from surgery. If I get sick, will BCBS cover my medical expenses?

    1. Was tested on 05/04/2020 in Colorado and they did NOT cover my covid19 test or lab fees. If I knew I would be paying for the test I would not have been tested. Let all work together to spend the virus…really. BKBSKS will not rely or they may even delete this comment, I’m sure of that.

      1. Hi Cort. Thanks for reaching out. I have forwarded your message along to one of our Customer Experience Representatives and someone will be reaching out to you. Thank you.

  4. I NOTICE THAT THERE IS NO REPLY FROM BXBSOF KS ABOUT PREMIUM REDUCTIONS, WAIVERS OR COVERAGE FOR PROTECTIVE GEAR. MSSG FROM CEO IS TOTALLY USELESS AS HE JUST REPEATS WHAT OTHERS ARE SAYING?

    1. Thank you, Clifton. We are sharing the comments we receive with senior leadership, and appreciate you sending your thoughts.

  5. I have been fired from my job, what can I do do continue my coverage until I can find work? Are you offering any assistance?

    1. Hi Traci. If you’ve lost health insurance coverage due to a job loss, you may be eligible to buy insurance with financial assistance through healthcare.gov.

    2. Good thoughts to you Traci, hang in there, the Stimulus from the Government hopefully will be of some help,
      I hope so. Stay safe and sending you good thoughts! I am just Susan from Kansas, not affiliated with
      Anyone …..except Faith , so sorry …..

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