Medical

The Consumer Choice Plan is a High Deductible Health Plan (HDHP) that includes a tax-advantaged Health Savings Account (HSA) and prescription drug coverage. Blue Cross Blue Shield of Illinois (BCBSIL) and Kaiser administer the plan.
Get details on BMO’s medical plan. Watch the Consumer Choice Plan.
Your monthly medical plan rates are based on a five-tier total compensation structure. Review 2024 Premiums.
An HSA lets you set aside pre-tax dollars to pay for eligible health care costs for you and your eligible dependents. Learn more.

How the plan works

  • In-network preventive care is 100% covered, no deductible.
  • You pay the full cost for non-preventive services, including prescription drugs, until you meet the annual deductible. After that, you pay coinsurance and the plan pays the balance.
  • Once you meet the out-of-pocket maximum, the plan pays 100% of covered charges for the rest of the year.
Features In-Network Out-of-Network
Providers
  • BCBSIL: You can see any provider you choose, but you’ll get higher benefits and pay less when you see in-network providers.
  • Kaiser (available in California, Colorado, and Oregon): The plan uses a provider network; most benefits are only covered when you use in-network providers.

Annual Deductible*

(includes medical and Rx)

Employee only: $1,750

Family: $3,500**

BCBSIL only:

Employee only: $3,500

Family: $7,000**

Annual Out-of-Pocket Maximum*

(includes deductible, copays and coinsurance for medical and
Rx)

Employee only: $3,425

Family: $6,850

BCBSIL only:

Employee only: $6,850

Family: $13,700

Annual Benefit Maximum

None

Lifetime Maximum

None

  What You Pay
Office Visit 20% after deductible

BCBSIL: 40% after deductible

 

Kaiser: Not covered

Lab Tests and X-rays 20% after deductible

BCBSIL: 40% after deductible

 

Kaiser: Not covered

Well Care/Preventive Care You pay nothing

BCBSIL: 40% after deductible

 

Kaiser: Not covered

Inpatient Care 20% after deductible

BCBSIL: 40% after deductible

 

Kaiser: Not covered

Emergency Room 20% after deductible and $100 copay (copay waived if admitted)

BCBSIL: 40% after deductible and $100 copay
(copay waived if admitted); In-network benefits apply if
considered an emergency

 

Kaiser: 20% after deductible

Prescription Drugs (Rx)

You pay the full cost for prescription drugs until you meet the medical plan deductible. Then you pay the applicable copay. The plan pays 100% once you meet the medical plan out-of-pocket maximum. Prescription drugs are not subject to a separate out-of-pocket maximum. Certain preventive drugs are covered 100%, the deductible does not apply. For more details, review the applicable Formulary list.

*Annual deductibles and out-of-pocket limits for in-network and out-of-network must be met separately.

**The entire family deductible must be met before the plan will pay benefits for any covered family members.

Resources to live healthier

We care about your health and wellness. That’s why we offer health support resources for you and your family.

LEARN MORE

Transparency in Coverage

BCBSIL and Kaiser create and publish machine-readable files on behalf of BMO. Go to BCBSIL Transparency in Coverage site or Kaiser Transparency in Coverage Site.