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BMO U.S. Benefits

Medical Highlights

The Consumer Choice Plan is a High-Deductible Health Plan (HDHP) that includes a tax-advantaged Health Savings Account (HSA).

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.

For more information…

Review the HSA Highlights and Prescription Drug Highlights.

For details, see your medical plan SPD:

Below is a high-level overview of the Consumer Choice Plan.

Features In-Network Out-of-Network
Annual Deductible*
(includes medical and Rx)

Individual coverage: $1,750

Family coverage $3,500

Individual coverage: $3,500

Family coverage $7,000

Annual Out-of-Pocket Maximum*
(includes deductible, copays and coinsurance for medical and Rx)

Individual coverage: $3,425

Family coverage $6,850

Individual coverage: $6,850

Family coverage $13,700

Annual Benefit Maximum None
Lifetime Maximum None
What you pay
Office Visit 20% after deductible 40% after deductible
Lab Tests and X-rays 20% after deductible 40% after deductible
Well Care/Preventive Care You pay nothing 40% no deductible
Inpatient Care 20% after deductible 40% after deductible
Emergency Room 20% after deductible and $100 copay (copay waived if admitted)

40% after deductible and $100 copay (copay waived if admitted)

In-network benefits apply if considered an emergency

Prescription Drugs (Rx)

You have prescription drug coverage through Express Scripts. Most prescription drugs are subject to the deductible, then you pay the applicable coinsurance. Learn more

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

Resources to 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.


 BCBSIL
 UnitedHealthcare
 Express Scripts