Any time you visit an in-network provider, they will submit a claim to Blue KC on your behalf for the services you obtain.
If you decide to visit an out-of-network or non-contracted provider, you will need to confirm whether they will be submitting a claim on your behalf or not. If the provider is not planning to send us that claim, you can submit a claim yourself to ensure any payments you made to that provider count towards your deductible and out-of-pocket maximum amounts. Based on your plan usage and benefits, Blue KC may pay a portion (or all of) the provider charges, and you will be reimbursed accordingly.