Blue Cross Blue Shield of Illinois 

Plan Descriptions

Select Blue Plan 
Select Blue is comprehensive health insurance--hospital, surgical, medical, and accident, plus adult & child wellness.  Select Blue includes doctor office visit co-pays ($20), and an Rx prescription drug card.  Your choice of deductibles from $0-$5000; 100% and 80% coverage levels are available.

Other Select Blue Plans:

  • Select Blue Advantage - the same as the Select Blue plan, lower premiums, with slightly higher co-payments ($30) and out-of-pocket .

  • Blue Choice Select -an even lower-cost alternative to Select Blue Advantage,  but with a more limited choice of network hospitals.

Blue Value 

Blue Value  is comprehensive health insurance--hospital, surgical,  accident and Rx drugs,  plus  child only wellness.  100% and 80% coverage levels are available.  With Blue Value you must meet your deductible before benefits are paid.

Basic Blue
Basic Blue is a low cost hospital, surgical plan with emergency room and accident coverage.  Doctor visits, Rx drugs, and wellness benefits are not covered and there are  limited outpatient benefits.

Blue Edge--High-Deductible HSA-Compatible PLan
The HSA Plan is a tax advantaged high deductible plan designed for individuals and families.  The HSA has two components: (1) A qualified high deductible ($1100--$5000) health insurance policy; your choice of deductibles.  (2) A medical savings account with tax advantages; the savings account can be used to pay for most medical expenses on a tax-free basis.  Medical coverage is paid at 80% or 100% after your deductible.

Short-Term Major Medical*
Short-Term Major Medical provides you with low-cost temporary hospital, surgical, medical, and accident coverage. Benefits are paid at an 80% coverage level after your deductible. Pre-existing conditions are not covered by short-term medical insurance.

 

All quotations for medical insurance presume that you and/or dependents are in good health and are within standard height/weight guidelines.  If any person has pre-existing medical conditions, or require expensive medications, the rates could be higher, or coverage may be denied.