You have three medical options through Blue Cross Blue Shield of Illinois (BCBSIL). All medical options include prescription drug coverage through CVS Caremark.
IMPORTANT: If You Don’t Enroll in Medical Coverage
New Hires: If you don’t enroll in a Medical Program before your benefit effective date, you will not have coverage for the Plan year. Your benefits will take effect on the first day of the month after your date of hire, regardless of the day of the month you started employment.
All medical options generally cover the same services and prescription drugs, but they differ in how you pay. Consider your typical health care use and your ability to cover unexpected health care costs to determine which option will work best for your situation.
| Coverage Categories | Annual Deductible | Annual Out-of-Pocket Maximum (Medical & Rx combined) |
HSA Contribution from DFIN* |
| Employee Only | $3,000 | $5,000 | NA |
|
Employee + Spouse Family |
$6,000 | $10,000 ($5,000 individual maximum) |
NA |
| In-Network | Out-of-Network | |
| Coinsurance | You pay 20% after deductible | You pay 40% after deductible |
| Preventive Care | You pay $0 and no deductible | You pay 40% after deductible |
| Office Visit | You pay 20% after deductible | You pay 40% after deductible |
| Specialist | You pay 20% after deductible | You pay 40% after deductible |
| Emergency Room | You pay 20% after deductible | You pay 20% after deductible if true emergency, otherwise 40% of balance after deductible |
| MEDICAL TRAVEL | Plan reimburses up to $5,000 for eligible travel and lodging expenses for medical procedure that isn’t available within a 100-mile radius of your home | Not available |
| Coverage Categories | Annual Deductible | Annual Out-of-Pocket Maximum (Medical & Rx combined) |
HSA Contribution from DFIN* |
| Employee Only | $2,000 | $4,000 | $500 |
|
Employee + Spouse Employee + Child(ren) Family |
$4,000 | $8,000 ($4,000 individual maximum) |
$1,000 |
| In-Network | Out-of-Network | |
| Coinsurance | You pay 20% after deductible | You pay 40% after deductible |
| Preventive Care | You pay $0 and no deductible | You pay 40% after deductible |
| Office Visit | You pay 20% after deductible | You pay 40% after deductible |
| Specialist | You pay 20% after deductible | You pay 40% after deductible |
| Emergency Room | You pay $20% after deductible | You pay 20% after deductible if true emergency, otherwise 40% of balance after deductible |
| MEDICAL TRAVEL | Plan reimburses up to $5,000 for eligible travel and lodging expenses for medical procedure that isn’t available within a 100-mile radius of your home | Not available |
| Coverage Categories | Annual Deductible | Annual Out-of-Pocket Maximum (Medical & Rx combined) |
HSA Contribution from DFIN* |
| Employee Only | $1,000 | $3,000 | NA |
|
Employee + SpouseEmployee + Child(ren) Family |
$2,000 ($1,000 individual deductible) |
$6,000 ($3,000 individual maximum) |
NA |
| In-Network | Out-of-Network | |
| Coinsurance | You pay 20% after deductible | You pay 40% after deductible |
| Preventive Care | You pay $0 and no deductible | You pay 40% after deductible |
| Office Visit | $25 | You pay 40% after deductible |
| Specialist | $40 | You pay 40% after deductible |
| Emergency Room | You pay $250 copay | You pay $250 copay if true emergency, otherwise 40% of balance |
| MEDICAL TRAVEL | Plan reimburses up to $5,000 for eligible travel and lodging expenses for medical procedure that isn’t available within a 100-mile radius of your home | Not available |
* Prorated based on your benefits effective date. Learn more.
Annual Preventive Care:
100% Covered In-Network
Preventive care is important for your and your family’s health. It can help you stay healthy and may help identify health issues before they become long-term conditions. Preventive care includes annual physical exams, gender-specific screenings (such as pap tests, mammograms and prostate screenings), age-based immunizations, and routine dental and eye exams.
In-network preventive care is 100% covered under the DFIN medical, dental and vision plans. To be covered, care must meet nationally recognized preventive care guidelines such as minimum age and frequency rules.
Get In-Network Care
Reimbursement is lower if you see an out-of-network doctor or other provider. Find in-network doctors and more information at www.bcbsil.com or call 1-855-691-8003.
Support for Specific Conditions
Support for individuals with coronary artery disease, congestive heart failure or cancer may be provided through BCBSIL at no additional cost. To get information about the programs available to you and your covered dependents, contact a Benefits Value Advisor at 1-888-895-6981.
Also, if you are undergoing chemotherapy or later need such treatment, ask your doctor to contact BCBSIL for prior authorization.
Gender Dysphoria Coverage will be provided through our medical plans for diagnoses and treatments for adults, children and adolescents, per World Professional Association for Transgender Health guidelines.
Fertility Coverage includes a lifetime maximum benefit of $20,000 for diagnosis and treatment of infertility conditions, including in vitro fertilization, gamete and zygote intrafallopian tube transfers, uterine embryo lavage, embryo transfer, artificial insemination and low tubal ovum transfer.
Additional Programs
Go to Wellness, to learn about programs for information on programs for:
- Diabetes prevention and management
- Hypertension management
- Weight management
- Chronic or acute back, knee, hip, neck or shoulder pain management
Through Well onTarget, you’ll find many digital self-management programs to help you develop a healthy lifestyle.
Virtual Visits
You and your covered dependents can get care for many non-emergency issues through MDLIVE whenever — and wherever — it’s convenient for you, 24/7. Whether you’re traveling or at home, you can speak with a board-certified doctor immediately or schedule an appointment based on your availability.
MDLIVE doctors can help treat conditions like allergies, asthma, nausea, sinus infections, colds and flu, ear problems, pinkeye, and more.
Connect with MDLIVE:
- Visit MDLIVE.com/bcbsil
- Download the MDLIVE app
- Call 1-888-676-4204
To Register: You’ll need to provide your first and last name, date of birth, and BCBSIL member ID number.