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.  Choose any Blue Cross hospital or providers.
• Blue Choice Select - an even lower-cost alternative to Select Blue Advantage, but with a more limited choice of network hospitals (see list enclosed).

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.  We recommend Blue Value (above.)

Blue Edge--High-Deductible HSA-Compatible Plan

HSA plans offer lower health insurance premiums plus a tax benefit. The HSA has two components: (1) A qualified high deductible health insurance policy ($1100--10,000); and  (2) an individual savings account with tax advantages.  You set-up this account with your local bank and use any deposits to pay medical expenses up to your deductible.  These deposits or paid medical expenses are tax deductible (similar to an IRA). 

Blue Cross of Illinois HSAs have first-dollar preventive benefits.  Routine wellness (exams, paps, mammograms, PSA, etc.) are paid without you meeting 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.