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:

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:

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:



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SelectBlue

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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


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SelectBlue Advantage

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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


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BlueChoice Select

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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:



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BlueValue

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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


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BlueValue Advantage

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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


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BlueChoice Value

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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

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