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
- 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:
- Employees in Illinois:
Blue Cross Blue Shield Medical - Employees outside of Illinois:
UnitedHealthcare Medical
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 |
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Resources to live healthier
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BCBSIL
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