Group Health Plan FAQs

Frequently Asked Questions:

Can I drop my plan and enroll in a KCRAR plan even though my existing plan is based on a calendar year?

Yes, since this enrollment makes you eligible for new coverage, it is considered a qualified event, so even members on an employer sponsored plan can drop their coverage and enroll in the KCRAR Plan.

Are my dependents eligible for this plan?

Yes, all spouses and dependent children up to age 26 are eligible to enroll.

Is the rate based the member’s age or the spouse’s age if they fall in different age bands?

The rate is based on the KCRAR member’s age.

Is there additional underwriting, medical exams or health questionnaires required for qualification? 

No, these rates have been underwritten and are guaranteed through December 31, 2020.

Are the premiums based on a per child premium?

No, the premium includes all dependent children enrolled whether it is one child or eight children.

Can I drop the plan anytime?

Yes, you can drop the plan at any time, but unless you have a qualifying event you would not be eligible to re-enroll for two years.

When do the deductible and coinsurance (if applicable) reset?

All deductible and coinsurance out of pocket maximums reset on January 1.

When is the next open enrollment?

The current open enrollment effective date is June 1, 2020. This will be a short plan year. The following open enrollment effective date will be January 1, 2021 and at that point moving forward, will be January 1 each year. 

Who do I contact regarding benefit questions?

Please contact Jeff Walstrom at 913-647-3981 or