State of kansas health insurance 2023

What's New in 2023 Medical and Prescription Members of Plan A Office Visit Copays have been reduced to $20 for primary care and $40 for specialists Deductibles have been reduced to $800/$1,600 Members of Plans C & N To meet new IRS regulations, members with dependent coverage will see the FIRST … See more

State of kansas health insurance 2023. We may be able to help you with certain medical costs. If you are approved for help, you will have healthcare coverage through Missouri Medicaid (MO HealthNet). This healthcare coverage is different than Medicare and it …

2023 Health Insurance Information. The State of Kansas (through the Kansas Department of Administration) and Kansas State University provide benefits eligible employees with health insurance plans and related programs as part of their total compensation. Enrollment in these programs is optional. The composition and enrollment period changes ...

HRA/HSA Contribution Earning Period: January 1, 2023-November 17, 2023. For questions regarding the HealthQuest program and credits, please call 785-783-4080 or email [email protected]. For additional questions or concerns regarding your HSA/HRA deposits, please contact [email protected] drugs (Formulary) Find out if your prescription drug is covered by searching Prime Therapeutic's drug formulary/preferred medication list. Members – Benefits are subject to your specific plan. To get the best results, specific to your coverage, log in to your BlueAccess ® account and click on Rx Drugs. If you do not have a BlueAccess ...Health Science (Regular Domestic) Students. To review the plan, visit the Health Science Students tab.You may also review the 2022-23 informational brochure, which includes premium costs (PDF).; To enroll in the plan, you will need to complete the KU Medical Center Health Science Student insurance online enrollment form. The student's …The State Employee Health Benefits Program (SEHBP) is a division of the Kansas Department of Administration. State Employee Health Plan and State Self Insurance FundWith a nationwide network of providers, you and your covered family members can find network doctors at home, while traveling … even away at college! You can use our online provider directory to check if your doctors belong. Your open enrollment materials from State of Kansas will include more details. 2024 Enrollment Guide. Find a doctorEnrollment process. Follow these four steps, and you’ll be on your way to coverage with BlueCare, meaning you can focus on just living life. 1. Review and compare plans. 2. Check subsidy eligibility. (and special enrollment qualifiers, if applicable) 3. Choose your enrollment path.

Non-Medicare Medical and Prescription. • Plan A - Deductible amounts reduced to $900/single and $1,800/family. • Plan A - Out-of-Pocket (OOP) Maximum reduced to $5,250/single and $10,500/family. • Plan A - Reduced primary care Copay from $40 to $30. • Plan C - Out-of-Pocket (OOP) Maximum reduced to $4,500/single and $9,000/family.lose employer-or group-sponsored health care, or if under age 65 and eligible for Medicare due to disability). During this period, insurers are: • Required to offer a Medicare Supplement policy to all enrollees, regardless of their health status; • Required to charge healthy individuals and those with medical conditions the same rate.Call the Social Security Administration at 1-800-772-1213 (Ask for the Application for Help with Medicare Prescription Drug Costs, SSA-1020) For TTY users, call 1-800-325-0778. Visit www.socialsecurity.gov on the internet. Call Senior Health Insurance Counseling for Kansas at 1-800-860-5260 to access trained counselors who work with ... Find statistics and data trends about US health, including the physical, mental, and social well-being of Americans, as well as healthcare access. This data includes life expectancy, top causes of death, percent of Americans with health insurance, and health risk factors. We visualize, explain and provide objective context using government …Bethell Joint Committee on HCBS and KanCare Oversight. Date: October 11 and 12, 2023. Time: 9:00 a.m. Location: State Capitol, Room 112-N. Agenda: When it becomes available, it can be found on the Committee page. For those wishing to testify, contact Elizabeth Cohn at [email protected] or 785-296-4408.

Members of Medical Plans C & N. To meet new IRS regulations, members with dependent coverage will see the FIRST Deductible increase to $3,000. The remaining family members would meet the balance of the Deductible of $2,500 for an overall Deductible of $5,500.Overview of the Health Insurance Market in Kansas. 2023: Overview of the Health Insurance Market in Kansas. 2022: Overview of the Health Insurance Market in …Jul 5, 2023 · 2023 Health Insurance Information. The State of Kansas (through the Kansas Department of Administration) and Kansas State University provide benefits eligible employees with health insurance plans and related programs as part of their total compensation. Enrollment in these programs is optional. The composition and enrollment period changes ... benefits as part of our appreciation for all you do for the State of Kansas. Contents. What’s New. 3. Key Terms & Definitions. 4. Eligibility & Enrollment. 6. Premium Assistance …

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Providing health and wellness for State of Kansas employees Access to the largest network in Kansas The Blue Cross and Blue Shield of Kansas card is accepted by: We negotiate special discounted fees with all participating doctors and hospitals – that means you save money by cutting healthcare spending.Feb 7, 2023 · 2023 Kansas Medicaid Long-Term Care Eligibility for Seniors. *Any income over $62 / month must go towards nursing home costs. An exception exists for paying for private health insurance and potentially a Spousal Income Allowance for a non-applicant spouse. †Any income over $2,742 / month must go towards care costs. To surrender a resident insurance license, the agent should submit a written request, providing name and national producer number (NPN) directly to the Kansas Department of Insurance. Q. How do individuals update contact information?“ A quick guide to the Health Insurance Marketplace ” HealthCare.gov ⤶ “ When can you get health insurance? ” HealthCare.gov, 2023 ⤶ “ Health Insurance ” Kansas …Cover Kansas, a free service to all Kansans, can help you find and enroll in a plan that’s right for you. The Open Enrollment Period to enroll in health insurance coverage through the Marketplace is from November 1, 2022 — January 15, 2023. During this time you can enroll in a health plan from an insurer that has a rate, benefits, and ...

Health insurance is an essential aspect of maintaining good health and wellbeing. However, with so many options available, it can be overwhelming to choose the right plan that meets your needs and budget. One option that you might consider ...This bill goes against the will of the voters by depriving women of access to their constitutional right. It is also misleading. The truth is, no taxpayer dollars go to the Health Care Stabilization Fund. Therefore, under Article 2, Section 14(a) of the Constitution, I hereby veto House Bill 2325. Laura Kelly, Governor. Dated April 24, 2023. 2023 Plan Information Summary for Kansas Choose a Plan & Enroll Nationwide Fee-for-Service Plans Open to All Nationwide Fee-for-Service Plans Open Only to Specific Groups State Specific HMO, HDHP and CDHP Plans 2023 Plan Rates for KansasRecent News. (May 17, 2023) – The Kansas Legislature closed the 2023 session and set a return date of Jan. 8, 2024. Each session, KHA provides a summary of bills of interest to our members. (Oct. 20, 2023) – KHA and KHA's foundation, Healthworks, partnered this summer with the Kansas Health Institute and the Kansas Department of Health and ...Health insurance premiums in Kansas. Next steps. See if you can pay even less. If you have fewer than 25 employees making less than an average of $50,000 per year, you may qualify for a tax credit worth up to 50% of your contribution to employees’ premiums.Use our Premium Tax Credit EstimatorUpdated 1:54 PM PDT, October 8, 2023. SACRAMENTO, Calif. (AP) — Gov. Gavin Newsom has vetoed a bill that would have stopped insurance companies from charging more than $35 for insulin. The bill would have banned health plans and disability insurance policies from imposing any out-of-pocket expenses on insulin prescription drugs above $35 for ...Blue Cross and Blue Shield of Kansas offers a variety of health and dental insurance plans for individuals, families and employers located in Kansas. Individual and family plans If you live in Kansas and are not eligible for coverage through an employer, Medicare or Medicaid, these medical and dental plans are for you.Hospital services. Blood work and lab services. Pharmacy and prescription drugs. Eye doctor visits. Behavioral health services. Dental care for children. Dental care for adults (periodontal care, silver diamine fluoride treatments and some restorative procedures) Transportation to medical appointments. Home and community based services.Stay on top of your health with Individual and Family health insurance plans in Kentucky that are designed to fit your budget. Anthem health plans include coverage for doctor visits, hospital care, and mental health benefits, plus: $0 virtual care, 24/7 †. $0 preventive care §. Prescription drug coverage, with some commonly-used drugs as low ...FS-11 Medical Coverage for Pregnant Women Fact Sheet. FS-11 S Cobertura médica para mujeres embarazadas. FS-12 MediKan Program. FS-12 S Programa MediKan. FS-13 Non-Citizen Applicants. FS-13 S Solicitantes no ciudadanos. Adult Dental Benefits Fact Sheet. Cobertura Dental Para Adultos. CHIP Premiums & Continuous Eligibility Unwinding Fact Sheet.2023 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare CENTERS FOR MEDICARE & MEDICAID SERVICES ... • Get free, personalized counseling from your State Health Insurance Assistance Program (SHIP). (Go to pages 47– 48.) • Call 1‑800‑MEDICARE (1‑800‑633‑4227).

There will be no increase to employee premiums in 2023 regardless of the plan or level of coverage. Plan A deductibles for individual coverage will decrease from $900 to $800 and those covering dependents will see a decrease from $1,800 to $1,600. Plan A primary care office visit copays will reduce from $30 to $20 and specialist copays from $60 ...

• What’s New 2023 • Earning Credits • HealthQuest HRA/HSA Rewards Dollars Marathon Health is both the onsite health center and wellness vendor for the State of Kansas HealthQuest program. Participation in HealthQuest programs is always voluntary and strictly confidential. Some of the programs and activities eligible for credits through theFor 2023, the average health insurance cost in Kansas is $545 for a 40-year-old. This is an increase of 5% compared to the 2022 plan year. We researched all of the health insurance plans in Kansas to help you find your best health insurance coverage. Depending on the county you live in, either the Ambetter Clear Silver or the BlueCare EPO ...The waiting list for these services is comprised of approximately 3,762 individuals, and of those, 2,631 are receiving no services and 1,131 are getting some services but waiting for others. As savings from KanCare are generated during its lifespan, the State of Kansas will have the opportunity to direct some of the savings to the DD waiting list.The Division of Health Care Finance ( DHCF) is responsible for purchasing health services for children, pregnant women, people with disabilities, the aged, and the elderly through the Medicaid program, the Children's Health Insurance Program ( CHIP ), and the state-funded MediKan program. On average, about 360,000 Kansas are enrolled in these ...To apply online visit the Medical Consumer Self-Service portal. To request and application, call: 800-792-4884. Fax applications to: 844-264-6285.Enrollment in SNPs increased by 24% between 2022 and 2023, and accounts for 19% of total Medicare Advantage enrollment in 2023. Since 2018, SNP enrollment has doubled from 2.58 million to 5.74 ...2023 Health Insurance Information. The State of Kansas (through the Kansas Department of Administration) and Kansas State University provide benefits eligible employees with health insurance plans and related programs as part of their total compensation. Enrollment in these programs is optional. The composition and enrollment period changes ...State Employee Health Plan. N. Health Plan —defined medical, drug, dental, and vision benefits offered to state employees under the State Employee Health Plan. O. HealthQuest —the State of Kansas Health Promotion Program, which is a wellness program administered by Cerner Corporation.Bronze. $ 595. Silver. $ 763. Gold. $ 830. Compare Kansas health insurance plans with free quotes from eHealth! Apply for coverage and learn more about health plans in Kansas.

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The Accident Plan provides a cash benefit paid directly to you to help cover out-of-pocket expenses regardless of health insurance coverage. Long-Term Care Insurance Long-term care insurance covers medical services, such as nursing care or therapies. ... The Decision Guides provide a high-level overview of available health benefits for active ...October 11, 2023 Kansas City, Kan. — Now is the time that most health insurance plans offer open enrollment for healthcare coverage in the next calendar year. Whether you …Enrollment Portals. ALEX is an online resource the SEHP uses to walk you through all of your available benefits and explain how they work. ALEX can also help you to compare the various health plan options based on your individual circumstances. Talk to ALEX Today!State Specific HMO, HDHP and CDHP Plans. 2023 Plan Rates for Kansas. Disclaimer: In some cases, the enrollee share of premiums for the Self Plus One enrollment type will be higher than the Self and Family enrollment type. Enrollees who wish to cover one eligible family member are free to elect either the Self and Family or Self Plus One ...Kansas or Blue KC Blue MedicareR x Value (PDP) Basic $58.20 $505.00 S5726 013 BA ($0.20) $ 58.20 $0.00 $25.20 $ 33.50 $ 41.70 $ 50.00 y Blue Cross and Blue Shield of Kansas or Blue KC Blue MedicareR x Plus (PDP) Enhanced $48.60 $0.00 S5726 014 EA ($19.00) $ 10.20 $38.40 $ 48.60 $ 40.90 $ 43.50 $ 46.00 UnitedHeal thcareNon State Employer Group Coordinator. Dental (Delta) Non State (NSE) Groups; Voluntary Plans (The Hartford) Long Term Care Insurance; FSA (NueSynergy) Tammy Bennett: [email protected]. 785-296-8556: HealthQuest Coordinator. HealthQuest Wellness Program; Employee Assistance Program; HealthQuest Health Center; Sara Phelps: SEHPHealthQuest@ks ... See the 2022 Kansas Insurance Plans Brief (PDF) for a list of companies and health maintenance organizations (HMOs) that sell individual health insurance in Kansas. To buy through the marketplace, you can visit HealthCare.gov, get free help from a Certified Navigator, or call our toll-free number: (866) 826-8375.Senior Health Insurance Counseling For Kansas (SHICK) Senior Health Insurance Counseling for Kansas (SHICK) is a free program offering Kansans an opportunity to talk with trained, community volunteers and get answers to questions about Medicare and other insurance issues. SHICK provides you with many resources that will help you with your ...Apr 13, 2023 · KanCare. (2023. State report on plans for prioritizing and distributing renewals following the end of the Medicaid continuous enrollment provisions. Kansas Department of Health and Environment. (n.d.). Continuous enrollment unwinding FAQs. Medicaid.gov. (n.d.). Unwinding and returning to regular operations after COVID-19. Tolbert, J., et al ... Kansas Medicaid, also referred to as the Kansas Medical Assistance Program (KMAP), is a jointly-funded state and Federal government program that pays for medically necessary services. Medicaid pays for medical services for children and their caretakers, pregnant women, and persons who are disabled, blind or 65 years of age or older. …. As 2021 gets underway, both federal and state legislative and regulatory changes are expected to modify health plan benefits for Kansans. Below, Blue Cross and Blue Shield of Kansas Vice President of Government and Community Relations, Sunee Mickle provides an update on how a few of these changes may affect our members. As … ….

The waiting list for these services is comprised of approximately 3,762 individuals, and of those, 2,631 are receiving no services and 1,131 are getting some services but waiting for others. As savings from KanCare are generated during its lifespan, the State of Kansas will have the opportunity to direct some of the savings to the DD waiting list.2023 HealthQuest Rewards Program Employees enrolled in medical Plans C, J, and N can earn up to $500 in HRA/HSA rewards* AND $480 in premium incentive discounts for Plan Year 2024 by earning 40 credits between January 1, 2023 – December 31, 2023. This incentive opportunity is for employees’ medical plan premium only. Updated 1:54 PM PDT, October 8, 2023. SACRAMENTO, Calif. (AP) — Gov. Gavin Newsom has vetoed a bill that would have stopped insurance companies from charging more than $35 for insulin. The bill would have banned health plans and disability insurance policies from imposing any out-of-pocket expenses on insulin prescription drugs above $35 for ...While ultrasounds may be immediately associated with pregnancy, there are other times when a physician might order this diagnostic test. Whether your health insurance will cover an ultrasound depends on the reason for the procedure and the ...Kansas Department of Agriculture. Search results may be sorted by specific columns by clicking on the column title. To view a copy of the inspection report, click on the "View Inspection Report" icon ( ) in the search results. Please note that the "View Inspection Report" icon for inspections after December 15, 2016, are sometimes not ...Cover Kansas, a free service to all Kansans, can help you find and enroll in a plan that’s right for you. The Open Enrollment Period to enroll in health insurance coverage through the Marketplace is from November 1, 2022 — January 15, 2023. During this time you can enroll in a health plan from an insurer that has a rate, benefits, and ...Updated 1:54 PM PDT, October 8, 2023. SACRAMENTO, Calif. (AP) — Gov. Gavin Newsom has vetoed a bill that would have stopped insurance companies from …Mental Health America | Homepage | Mental Health AmericaPlan A Incentives: All coverage tiers: Employees who have been employed for a minimum of 365 days who earn 20 credits receive a premium discount of $240 for 2024. All …Updated 1:54 PM PDT, October 8, 2023. SACRAMENTO, Calif. (AP) — Gov. Gavin Newsom has vetoed a bill that would have stopped insurance companies from … State of kansas health insurance 2023, HealthQuest Rewards Program. If you are enrolled in a medical plan you can earn credits by participating in HealthQuest wellness activities. Plan A Incentive: Employees who have been employed for a minimum of 365 days who earn 20 credits receive a premium discount of $240 for 2024. Employees who earn 40 credits receive the premium discount of ..., HRA/HSA Contribution Earning Period: January 1, 2023-November 17, 2023 For questions regarding the HealthQuest program and credits, please call 785-783-4080 or email [email protected]. For additional questions or concerns regarding your HSA/HRA deposits, please contact [email protected]. Program Accessibility , The State Employee Health Benefits Program (SEHBP) is a division of the Kansas Department of Administration. Within this division are two separate sections to serve state employees: the State Employee Health Plan (SEHP) and the State Self Insurance Fund (SSIF), also known as worker's compensation. State Self Insurance Fund (SSIF), About Your Benefits. The State Employee Health Plan (SEHP) offers four medical plans (Plans A, C, J, and N) for Active State Employees, Non State Employer Group, and NON-MEDICARE Eligible Retiree/Direct Bill Members. The Deductible, Coinsurance, and Out-of-Pocket (OOP) maximums differ among the plans and your medical benefits have no …, Kansas Department of Health and Environment Division of Health Care Finance 900 SW Jackson, Room 900N Topeka, KS 66612. The last day for public comment is November 20, 2023. Draft copies of the proposed SPA may also be found at a Local Health Department (LHD). Christine Osterlund Interim Medicaid Director Deputy Secretary of Agency Integration ..., As of May 11, 2023, laboratory testing* and cases of COVID-19 are no longer reportable to KDHE or your local health department; however, clusters or outbreaks remain reportable. Report clusters or outbreaks by calling the Epidemiology …, Plan Year 2023 State of Kansas Employees Non State Employer Groups Health Benefits As State of Kansas employees, you work tirelessly each day to provide essential services for the people of Kansas. Please know that I value your work and that, as governor, I will continue working to support you and your families – including, Health Insurance Marketplace Documents; Health Reform. Health Care Reform; Payment Reform; Delivery Reform; ... KFMC Health Improvement Partners hosted the inaugural Kansas Health Equity Summit in partnership with multiple state partners. ... 2023) – The Kansas Legislature closed the 2023 session and set a return date of Jan. 8, 2024., Make a list of your providers. These are your doctors, hospital, pharmacy, in home service providers, and any other providers you see. Check to make sure the providers you use for all services are signed up with the plan you choose. You must have active eligibility to stay enrolled with the plan each month., State Employee Health Plan Hospital Indemnity (HI) insurance pays a cash benefit if you or an insured dependent (spouse or child) are confined in a hospital for a covered illness or injury. Even with the best primary health insurance plan, out-of-pocket costs from a hospital stay can add up., Our residents, fellows and their families are eligible for the Kansas State Employee Health Plan's health, dental and vision insurance and flexible spending and health savings accounts. Visit the State Employee Health Plan site for more information or view the GME Manual (PDF), section 5.5.1 for an overview. Due to the State of Kansas …, Mar 22, 2023 · Mar 22, 2023. By. Phillip Steiner, M.A., Sheena L. Schmidt , M.P.P. Medicaid continuous enrollment associated with the federal Public Health Emergency is ending on March 31, 2023. What does this mean for Kansans on Medicaid? , Jul 5, 2023 · 2023 Health Insurance Information. The State of Kansas (through the Kansas Department of Administration) and Kansas State University provide benefits eligible employees with health insurance plans and related programs as part of their total compensation. Enrollment in these programs is optional. The composition and enrollment period changes ... , Policy Forms. Forms are sorted by those that are strictly for internal purposes and communication and those that are sent outside of the agency. Forms have retained their original form number where applicable. Expand all., The Social Health Insurance Bill (2023) was presented to the National Assembly by the Majority Leader, Kimani Ichung'wah, in September 2023, proposing a raft of measures affecting the health sector., The County Health Rankings from the University of Wisconsin Population Health Institute provides data, evidence, guidance and stories that broadened the nation’s understanding about the multiple factors that shape health. To support state and local health improvement efforts, the Kansas Health Institute has produced individual county profiles ..., Whether you’re looking to purchase a brand new policy during open enrollment in the Healthcare Marketplace or you’re pretty happy with your current plan, saving money on the cost of healthcare is always an added benefit that can boost your ..., About Your Benefits. The State Employee Health Plan (SEHP) offers four medical plans (Plans A, C, J, and N) for Active State Employees, Non State Employer Group, and NON-MEDICARE Eligible Retiree/Direct Bill Members. The Deductible, Coinsurance, and Out-of-Pocket (OOP) maximums differ among the plans and your medical benefits have no lifetime ..., About Your Benefits. The State Employee Health Plan (SEHP) offers four medical plans (Plans A, C, J, and N). Medical benefits coverage is provided through your choice of Aetna or Blue Cross and Blue Shield of Kansas (BCBSKS). Each vendor offers its own unique network of contracting providers. Consider each vendor’s provider network before ..., The Accident Plan provides a cash benefit paid directly to you to help cover out-of-pocket expenses regardless of health insurance coverage. Long-Term Care Insurance Long-term care insurance covers medical services, such as nursing care or therapies. ... The Decision Guides provide a high-level overview of available health benefits for active ..., Social Media / Sharing Cookies are third-party cookies that are used when you share information using a social media sharing button or "like" button on our website or you link your account or engage with our content on or through a social networking site such as Facebook, Twitter or YouTube., KanCare Clearinghouse. P.O. Box 3599. Topeka, KS 66601. Or you may fax them to: Toll Free: 1-800-498-1255. Topeka Area Residents: 785-431-7194. You may also call to request an application be mailed to you, or you can call with questions about the program or the application: Toll Free: 1-800-792-4884. Topeka Area Residents: 785-368-1515., Health insurance is insurance that covers some or all of the costs of an individuals healthcare. Health insurance is insurance that covers some or all of the costs of an individual&aposs healthcare. Health insurance absorbs or offsets healt..., This program provides medical and prescription insurance benefits for annuitants receiving a monthly benefit or annuity from the Teachers’ Retirement System (TRS) who prior to retiring, were an employee of an Illinois school district. The 2023 TRAIL MAPD Open Enrollment Period is planned for October 14 - November 15, 2022., Office of the Governor Department of Administration Contact Us. Translate. State Employee. Non State Employee. Retiree. COBRA. About Us., Contact Caremark Connect at 1-800-237-2767. A Caremark representative will coordinate patient care with the provider and arrange for medication delivery. Regardless of which plan you elect, your Out Of Pocket costs will be lower if you use generic and/or preferred brand name drugs. For additional assistance on ways to lower your prescription ... , child support income, work-related child care costs, health, dental, orthodontic, and optometric insurance premiums, and any child support adjustments. (See Section IV, Specific Instructions for the Worksheet and a completed sample worksheet on the Kansas Judicial Branch website.). In divided residency, Kansas law limits the initial length of a short-term plan to 12 months with only one renewal. The state legislature passed a bill ( SB199) in 2022 that would allow short-term plans to renew for a total duration of up to 36 months, but it was vetoed by Gov. Laura Kelly. As of 2023, there were seven insurers offering short-term health insurance ..., • In 2023, State of Kansas Employee medical rates will remain the same. ... The State Employee Health Plan (SEHP) Plan Year is January 1st thru . December 31st of each year. Premium: A premium is the contribution or share you pay to have insurance. Your premiums are . deducted from your pay on a semi-monthly basis. The amount of your premium ..., Health insurance is an essential aspect of maintaining good health and wellbeing. However, with so many options available, it can be overwhelming to choose the right plan that meets your needs and budget. One option that you might consider ..., Medical insurance. There will be no increase to employee premiums in 2023 regardless of the plan or level of coverage. Plan A deductibles for individual coverage will decrease from $900 to $800 and those covering dependents will see a decrease from $1,800 to $1,600. Plan A primary care office visit copays will reduce from $30 to $20 and ..., While ultrasounds may be immediately associated with pregnancy, there are other times when a physician might order this diagnostic test. Whether your health insurance will cover an ultrasound depends on the reason for the procedure and the ..., As of May 11, 2023, laboratory testing* and cases of COVID-19 are no longer reportable to KDHE or your local health department; however, clusters or outbreaks remain reportable. Report clusters or outbreaks by calling the Epidemiology …