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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 .

An HSA lets you set aside pre-tax dollars to pay for eligible health care costs for you and your eligible dependents. Learn more.

New for 2025! BMO will offer a new
PPO plan option. You can still enroll in an HDHP and save with an HSA.
Read more in the 2025 Annual Enrollment Guide.

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.
Your monthly medical plan rates are based on a five-tier total compensation structure. Review 2024 Premiums.

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. BCBSIL: Coverage is through Express Scripts. Review the 2024 BCBSIL Express Scripts National Formulary (including exclusions) and 2024 Express Scripts Preventive Drug List. Kaiser: Coverage is through Kaiser. Review the regional formularies: Colorado Northern California Southern California Oregon