Blue Cross and Blue Shield of Illinois - HSA

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PPO Discounts in HSA Plans

When you purchase an HSA-compatible high deductible plan, you gain a greater appreciation for the insurance company's negotiated fees with PPO health care providers.  At issue is the difference of paying "discount" versus "retail" for medical services.

PPO Discounts Mean Savings to You

Under traditional PPO plans, PPO discounts are less important to you because you often pay a fixed price (office visit co-pay or Rx co-pay) for health care services.

However, until you have satisfied the high deductible under an HSA-compatible plan, you must pay for all covered medical expenses out of pocket, or out of your Health Savings Account.  Either way, it's your money.  So PPO discounts translate directly into reduced expenses for you.

BCBSIL Market Strength Advantage

Blue Cross and Blue Shield of Illinois is, by far, Illinois' largest health insurer, and they have exceptional leverage in negotiating fees with the hospitals and physicians participating in their PPO networks.  As a result, BCBSIL's PPO discounts are usually the largest in Illinois.

With BCBSIL, Pay Less for Care

Because Blue Cross and Blue Shield of Illinois' PPO discounts cut the deepest into retail health care expenses, you usually pay the lowest price when you receive services from a BCBSIL PPO provider.

This is an important factor to consider when you are thinking applying for Blue Cross and Blue Shield of Illinois HSA-compatible coverage.