Blue Cross and Blue Shield of Illinois - PPO

Illinois' Most Popular Health Insurance
Submit BCBSIL's Official Online Application

Overview of PPO Plans

In order of most generous benefits to least generous benefits (and most expensive to least expensive), these are the traditional PPO health insurance plans from Blue Cross and Blue Shield of Illinois:

SelectBlue

SelectBlue provides the most extensive benefits of all the "individual" health insurance plan offered by Blue Cross Blue Shield of Illinois. We recommend this plan for Illinois residents seeking superior coverage:

Illinois' largest PPO network
$20 office visit co-pay benefit
Prescription drug co-pay card available deductibles of $500 or less
Preventive care benefits for adults and children
$5,000,000 lifetime maximum benefit
Choice of either 80% or 100% coverage for services provided by PPO physicians and hospitals
Optional maternity benefits
Network 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

BlueValue

BlueValue provides the same comprehensive coverage provided by SelectBlue, but costs about 20% less. This is because, with BlueValue, you aren't paying for some of the benefit "extras" included with SelectBlue:

BlueValue doesn't include the $20 office visit co-pay benefit. Under BlueValue, office visits are covered subject to the annual deductible.
BlueValue doesn't include prescription drug card co-pay benefit. Under BlueValue, prescription drugs are covered, but subject to the annual deductible.
BlueValue doesn't include adult wellness benefits.
BlueValue Network 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

SelectBlue Advantage and BlueValue Advantage

Designed for the more budget-minded, the "Advantage" plans are modified versions of the SelectBlue and BlueValue plans described above.

The "Advantage" plans save you about 10% compared to SelectBlue and BlueValue, but include increased potential out-of-pocket expense of $2000/year per individual and $6000/year per family.

With SelectBlue Advantage, you get these "extras" not included with BlueValue Advantage:

$30 Office Visit Co-pay
Prescription Drug Co-pay card with $250 and $500 deductibles
Adult Wellness
SelectBlue Advantage and BlueValue Advantage Network 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 and BlueChoice Value

The "BlueChoice" plans look a lot like the "Advantage" plans, but the "BlueChoice" plans cost less because they feature a reduced network of physicians and hospitals -- the "BlueChoice" Network.

So don't be misled by the "BlueChoice" name. In comparison to the other BCBSIL products, These plans actually reduce your choices.

Because of network limitations, the BlueChoice plans are not appropriate for all Illinois residents. These products are basically for residents of Illinois metropolitan areas, including Chicago, Rockford and Springfield.

BlueChoice Select and BlueChoice Value are priced very attractively, but, before you submit an application, be sure the more limited provider network meets your needs.

BlueChoice Select and BlueChoice Value Network 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

BasicBlue

If, in order to minimize your health insurance cost, you're willing to do without coverage for most outpatient services and prescriptions, this may be the BCBSIL plan for you.

BasicBlue is inexpensive and provides quality comprehensive coverage for hospitalization, surgery, testing and emergency medical services.

BasicBlue Network Deductible Options:
  - $500 individual / $1,500 family
  - $1,000 individual / $3,000 family
  - $2,500 individual / $7,500 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

2007 Revenue

2007 Net Income

Total Assets as of 12/31/2007:

$14,348,400,000

$865,700,000

$10,007,000,000