Blue Cross and Blue Shield of Illinois - BlueEdge HSA

 
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  • Lowest BCBSIL Rates by Law
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Customize Your BCBSIL BlueEdge HSA Benefits

Blue Cross and Blue Shield of Illinois continues to update their Health Savings Account (HSA)-compatible products, allowing greater benefit design customization leading to more affordable options. In purchasing a BCSIL BlueEdge Individual HSA health insurance plan you can evaluate five different deductible options and choose from two coverage levels. In addition, you can purchase any of these combinations with either of two different doctor/hospital networks:

Optional Dental Insurance Plan
Blue Cross and Blue Shield of Illinois BlueEdge Individual HSA 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

These Blue Cross and Blue Shield of Illinois Health Savings Account (HSA) plan options are offered along with six traditional PPO health insurance products. Here is how the benefits compare:

BlueEdge Individual HSA and BlueEdge Individual HSA 5000

The BlueEdge Individual HSA provides you a choice of four deductibles combined with a choice of 100% or 80% network coverage. Any of these combinations can be paired with either the BCBSIL PPO network or with the more restrictive BlueChoice network (10% price reduction for BlueChoice). That works out to 16 distinct benefit design choices over a wide range of risk preferences and prices.

The BlueEdge Individual HSA 5000 is the highest deductible option ($5,000 for an individual policy and $10,000 for a family policy) and is only offered with the 100% network benefit option. However, you have the choice of getting BlueEdge Individual HSA 5000 with either the PPO network or with the BlueChoice network (10% price reduction).



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BlueEdge Individual HSA

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Comprehensive Protection with a Wide Range of Benefit Options

  • Option of BCBSIL PPO network (90% of Illinois doctors and over 200 Illinois hospitals) or more restrictive BlueChoice network
  • Comprehensive major medical benefits for inpatient and outpatient services
  • Office visit coverage
  • Prescription drug coverage
  • 100% Preventive care benefits
  • Unlimited Maximum Benefit
  • Choice of either 100% or 80% benefit for services provided by network physicians and hospitals
  • Optional maternity benefits (one-year waiting period)
  • Optional dental plan

BlueEdge Individual HSA Deductible Options

Individual Policies           

  • $1,200
  • $1,750
  • $2,600
  • $3,500

Family Policies

  • $2,400 cumulative deductible
  • $3,500 cumulative deductible
  • $5,200 cumulative deductible
  • $7,000 cumulative deductible

BlueEdge Individual HSA Network Out-of-Pocket Maximum

  • Individual policy: Deductible plus $3,000
  • Family policy: Deductible plus $6,000


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BlueEdge Individual HSA 5000

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Comprehensive Protection with the Maximum Deductible

  • Option of BCBSIL PPO network (90% of Illinois doctors and over 200 Illinois hospitals) or more restrictive BlueChoice network
  • Comprehensive major medical benefits for inpatient and outpatient services
  • 100% benefit for services provided by network physicians and hospitals
  • Office visit coverage
  • Prescription drug coverage
  • 100% Preventive care benefits
  • Unlimited Maximum Benefit
  • Optional maternity benefits (one-year waiting period)
  • Optional dental plan

BlueEdge Individual HSA 5000 Deductible

Individual Policies           

  • $5,000

Family Policies

  • $10,000 cumulative deductible

BlueEdge Individual HSA Network Out-of-Pocket Maximum

  • Individual policy: Deductible only
  • Family policy: Deductible only

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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