Here’s a high-level overview of the Consumer Choice Plan.
For details, review your medical SPD:
Blue Cross Blue Shield Medical SPD (employees in Illinois) or UnitedHealthcare Medical SPD (employees outside of Illinois).
(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|
|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.
*Annual deductibles and out-of-pocket limits for in-network and out-of-network must be met separately.
Maximize your dollars
Generally, you can use any provider you want, but you'll pay less when you use in-network providers:
- Illinois: Blue Cross Blue Shield of Illinois PPO network
- Outside of Illinois: UnitedHealthcare Choice Plus network
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.