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BMO U.S. Benefits

Medical Overview

BMO offers medical coverage through the Consumer Choice Plan, a High-Deductible Health Plan (HDHP) that includes a tax advantaged Health Savings Account (HSA). The Consumer Choice Plan and HSA work together to help you take charge of your health care when you actively engage in your health and decision-making.

How the plan works

The Consumer Choice Plan covers a wide range of health care services including prescription drug coverage. The plan features an HSA which allows you to set aside money on a before-tax basis to pay for eligible expenses now or in the future.

With the Consumer Choice plan:

  • You can see any provider you choose, but you’ll get higher benefits and pay less when you see in-network providers:
    • Illinois: Blue Cross Blue Shield of Illinois PPO network
    • Outside of Illinois: UnitedHealthcare Choice Plus network
  • 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.
  • There are no annual or lifetime benefit limits.

Want a quick look?

Review the Medical Highlights and the Prescription Drug Highlights.

For details, see your medical plan SPD:

Resources to help live healthier

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



Get the App

We want to make your life easier. Mobile apps are a simple, quick way to maximize your benefits, save money and take charge of your health.

Download the apps to your smartphone or
tablet from your app store.



Express Scripts