Blue Cross and Blue Shield of Illinois - PPO

Illinois' Most Popular Health Insurance
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Overview of PPO Plans

Blue Cross and Blue Shield of Illinois offers the following traditional PPO health insurance plans to individuals, families and the self employed (in order of highest cost to lowest cost):

SelectBlue

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

Illinois' largest PPO network
$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 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 (one-year waiting period)

SelectBlue Deductible Options
SelectBlue is available with the following calendar year major medical deductibles:

$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

Superior Comprehensive Protection - Lower Price
Though priced about 20% less than SelectBlue, BlueValue provides:

The same comprehensive major medical protection provided by SelectBlue
The same superior PPO network provided by SelectBlue

No Frills Major Medical Coverage
With BlueValue, you don't get some of the "extras" included in SelectBlue -- such as the office visit co-pay (deductible waived), prescription co-pays (deductible waived), and the emergency room co-pay (deductible waived). In addition, under BlueValue, adult wellness services are not covered.

BlueValue Deductible Options
BlueValue is available with the following calendar year major medical deductibles:

$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

More Affordable Variation of SelectBlue
SelectBlue Advantage costs less than SelectBlue (described above), but under SelectBlue Advantage there's additional potential out-of-pocket expense for major medical services like hospitalization and surgery.

Generous Benefits
Like SelectBlue, SelectBlue Advantage provides benefit "extras" characteristic of generous employer-sponsored plans. Highlights include:

Illinois' largest PPO 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 for adults and children
$5,000,000 lifetime maximum benefit
Optional maternity benefits (one-year waiting period)

SelectBlue Advantage Deductible Options
SelectBlue Advantage is available with the following calendar year major medical deductibles:

$250 individual / $750 family
$500 individual / $1,500 family
$1,000 individual / $3,000 family
$1750 individual / $5.250 family
$2,500 individual / $7,500 family
$5,000 individual / $15,000 family

BlueValue Advantage

More Affordable Variation of BlueValue
BlueValue Advantage costs less than BlueValue (described above), but under BlueValue Advantage there's additional potential out-of-pocket expense for major medical services like hospitalization and surgery.

No Frills Major Medical Coverage
With BlueValue Advantage, you don't get some of the "extras" included in SelectBlue and in SelectBlue Advantage -- such as the office visit co-pay (deductible waived), prescription co-pays (deductible waived), and the emergency room co-pay (deductible waived). In addition, under BlueValue Advantage, adult wellness services are not covered.

BlueValue Advantage Deductible Options
BlueValue Advantage is available with the following calendar year major medical deductibles:

$250 individual / $750 family
$500 individual / $1,500 family
$1,000 individual / $3,000 family
$1750 individual / $5.250 family
$2,500 individual / $7,500 family
$5,000 individual / $15,000 family

The Lower Cost "BlueChoice" Plans:

BlueChoice Select and BlueChoice Value

Reduced Doctor and Hospital Choices
Benefits under the "BlueChoice" plans are almost identical to benefits under the "Advantage" plans described above. However, BlueChoice Select and BlueChoice Value cost about 10% less, because they feature a more restrictive network of physicians and hospitals: the BlueChoice Network.

BlueChoice Select closely resembles the SelectBlue Advantage plan described above, but BlueChoice Select provides preferred benefits through the smaller BlueChoice network.
BlueChoice Value closely resembles the BlueValue Advantage plan described above, but BlueChoice Value provides preferred benefits through the smaller BlueChoice network.

For Metro Area Residents
BlueChoice Select and BlueChoice Value are only for residents of Illinois metropolitan areas, including Chicago, Rockford and Springfield.

Don't buy these products without verifying that the BlueChoice network includes the hospitals and doctors you're likely to utilize.

BasicBlue

BCBSIL's Lowest Cost Plan
This plan is popular because it's the lowest priced health insurance product from Blue Cross and Blue Shield of Illinois.

Minimal Outpatient Coverage
BasicBlue provides quality benefits for expensive hospital and surgery expenses, but it doesn't cover most outpatient services and prescriptions. For example, BasicBlue provides quality coverage for cancer surgery, but it doesn't cover outpatient radiation therapy and chemotherapy.

BasicBlue Deductible Options
BasicBlue is available with the following calendar year major medical deductibles:

$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