Blue Cross and Blue Shield of Illinois - PPO

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Two PPO Network Choices and a Dental Plan Option

In purchasing private health insurance from Blue Cross and Blue Shield of Illinois you have a choice of plans utilizing two different doctor/hospital networks:

PPO (Participating Provider Options)
This is the giant Blue Cross and Blue Shield of Illinois network which includes 90% of Illinois doctors and over 200 Illinois hospitals.
BlueChoice Network
The BlueChoice network provides more restricted choice of doctors and hospitals. Because of this feature the BCBSIL Blue Choice Select and BlueChoice Value products reflect about a 10% pricing discount. Before you purchase one of these plans you should check the BlueChoice directory to verify inclusion of the physicians and hospitals you are likely to use.

Optional Dental Insurance Plan
Blue Cross and Blue Shield of Illinois individual health insurance clients also have the option of adding a dental insurance plan, which is not available on a stand-alone basis.

Evaluation of BCBSIL Plan Choices

There are six traditional PPO health insurance products and two HSA-compatible plan products. Here is how the benefits compare:

Side-by-Side Benefit Comparison of All BCBSIL Plans

BCBSIL Plans with Office Visit and Rx Co-pay Benefits

SelectBlue, SelectBlue Advantage and BlueChoice Select provide co-pay benefits for office visits and for prescriptions. Following are brief plan summaries:

SelectBlue

Superior Benefits with Maximum Provider Choice
SelectBlue compares with the most generous plans offered through large employers. We recommend SelectBlue for Illinois residents willing to pay extra for superior coverage:

PPO (90% of Illinois doctors and over 200 Illinois hospitals)
$20 office visit co-pay (deductible waived)
$75 emergency room co-pay (deductible waived)
Prescription drug co-pay card with deductibles of $500 or less
Preventive care benefits
Unlimited Maximum Benefit
Choice of either 80% or 100% coverage for services provided by PPO physicians and hospitals
Optional maternity benefits (one-year waiting period)
Optional dental plan

SelectBlue Major Medical Deductible Options

$0 individual / $0 family
$250 individual / $750 family
$500 individual / $1,500 family

$1,000 individual / $3,000 family
$2,500 individual / $7,500 family
$5,000 individual / $15,000 family

SelectBlue Network Out-of-Pocket Maximum
(not including deductible)

$1,000 individual / $3,000 family

SelectBlue Advantage

Quality Benefits with Maximum Provider Choice
Under SelectBlue Advantage there is additional potential out-of-pocket expense for major medical services like hospitalization and surgery:

PPO (90% of Illinois doctors and over 200 Illinois hospitals)
$30 office visit co-pay (deductible waived)
$75 emergency room co-pay (deductible waived)
Prescription drug co-pay card with deductibles of $500 or less
Preventive care benefits
Unlimited Maximum Benefit
80% coverage for services provided by PPO physicians and hospitals
Optional maternity benefits (one-year waiting period)
Optional dental plan

SelectBlue Advantage Major Medical Deductible Options

$250 individual / $750 family
$500 individual / $1,500 family
$1,000 individual / $3,000 family

$1,750 individual / $5,250 family
$2,500 individual / $7,500 family
$5,000 individual / $15,000 family

SelectBlue Advantage Network Out-of-Pocket Maximum
(not including deductible)

$3,000 individual / $9,000 family

BlueChoice Select

Quality Benefits with Smaller Provider Network
BlueChoice Select provides benefits similar to those provided by SelectBlue Advantage, but it restricts preferred benefits to the BlueChoice network rather than to the larger PPO network:

BlueChoice Network
$30 office visit co-pay (deductible waived)
$75 emergency room co-pay (deductible waived)
Prescription drug co-pay card with deductibles of $500 or less
Preventive care benefits
Unlimited Maximum Benefit
80% coverage for services provided by PPO physicians and hospitals
Optional maternity benefits (one-year waiting period)
Optional dental plan

BlueChoice Select Deductible Options

$250 individual / $750 family
$500 individual / $1,500 family
$1,000 individual / $3,000 family

$1,750 individual / $5,250 family
$2,500 individual / $7,500 family
$5,000 individual / $15,000 family

BlueChoice Select Network Out-of-Pocket Maximum
(not including deductible)

$3,000 individual / $9,000 family

BCBSIL Major Medical Plan Options

Most Illinois residents will save money by passing on the more costly co-pay plans and purchasing simple comprehensive major medical coverage as provided by these Blue Cross and Blue Shield of Illinois plan options:

BlueValue

Superior Major Medical Coverage with Maximum Provider Choice
BlueValue provides the same excellent major medical benefits provided by SelectBlue, but does not include co-pay benefits.

PPO (90% of Illinois doctors and over 200 Illinois hospitals)
$75 emergency room co-pay (deductible waived)
Preventive care benefits
Unlimited Maximum Benefit
Choice of either 80% or 100% coverage for services provided by PPO physicians and hospitals
Optional maternity benefits (one-year waiting period)
Optional dental plan

BlueValue Deductible Options

$250 individual / $750 family
$500 individual / $1,500 family
$1,000 individual / $3,000 family

$2,500 individual / $7,500 family
$5,000 individual / $15,000 family

BlueValue Network Out-of-Pocket Maximum
(not including deductible)

$1,000 individual / $3,000 family

BlueValue Advantage

Quality Major Medical Coverage with Maximum Provider Choice
Like BlueValue, BlueValue Advantage provides major medical coverage, but no co-pay benefits. It costs less than BlueValue because there is more potential out-of-pocket cost exposure.

PPO (90% of Illinois doctors and over 200 Illinois hospitals)
$75 emergency room co-pay (deductible waived)
Preventive care benefits
Unlimited Maximum Benefit
80% coverage for services provided by PPO physicians and hospitals
Optional maternity benefits (one-year waiting period)
Optional dental plan

BlueValue Advantage Deductible Options

$250 individual / $750 family
$500 individual / $1,500 family
$1,000 individual / $3,000 family

$1,750 individual / $5,250 family
$2,500 individual / $7,500 family
$5,000 individual / $15,000 family

BlueValue Advantage Network Out-of-Pocket Maximum
(not including deductible)

$3,000 individual / $9,000 family

BlueChoice Value

Quality Major Medical Coverage with Smaller Provider Network
Same benefits as BlueValue Advantage, but with BlueChoice network.

BlueChoice Network
$75 emergency room co-pay (deductible waived)
Preventive care benefits
Unlimited Maximum Benefit
80% coverage for services provided by PPO physicians and hospitals
Optional maternity benefits (one-year waiting period)
Optional dental plan

BlueChoice Value Deductible Options

$250 individual / $750 family
$500 individual / $1,500 family
$1,000 individual / $3,000 family

$1,750 individual / $5,250 family
$2,500 individual / $7,500 family
$5,000 individual / $15,000 family

BlueChoice Value Network Out-of-Pocket Maximum
(not including deductible)

$3,000 individual / $9,000 family

BCBSIL is Illinois' Top Health Insurer

Insuring over 4 million Illinois residents, Blue Cross and Blue Shield of Illinois is the state's oldest and largest health insurance company, with a six-decade tradition of providing high-quality, affordable healthcare plans.

BCBSIL part of Health Care Service Corp

Health Care Service Corporation (HCSC), a Mutual Legal Reserve Company, does business through its corporate divisions, Blue Cross and Blue Shield of Illinois, Blue Cross and Blue Shield of Texas, Blue Cross and Blue Shield of New Mexico and Blue Cross and Blue Shield of Oklahoma.

The Blue Cross and Blue Shield Association licenses Health Care Service Corporation to offer certain products and services under the Blue Cross and Blue Shield brand names.

HCSC Financial Statistics

2010 Revenue

2010 Net Income

Total Assets as of 12/31/2010:

$19,527,900,000

$1,224,900,000

$12,718,600,000