BasicBlue^®

Health insurance costs include monthly payments, individual/family deductibles, out-of-pocket expenses, copayments, and coinsurance. For BasicBlue plans, here’s what you can expect:

• Individual in-network deductibles ranging from $500 to $2500 – customize your plan by choosing a deductible amount that works best for your situation
• 20 percent coinsurance for services provided in-network, after deductible and copayments of $125 (applies only to emergency care) are met
• Annual out of pocket maximum of $1,000 individual/$3,000 family

For more information about costs, get a quick quote or see the BasicBlue Outline of Coverage  document.

• As with all individual Blue Cross and Blue Shield of Illinois plans, you do not need to select a primary care physician or obtain a referral to see a specialist
• Includes coverage for inpatient hospital expenses incurred as a result of a covered accident or sickness
• Coverage is provided for daily hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in-hospital medical services, and out-of-hospital care
• Although you can go to the hospital of your choice, your benefits under the BasicBlue plan will be higher, and your costs lower, when you use the services of participating PPO providers.

More Plan Details

It’s important to know the critical features of the health plan you are considering. The Outline of Coverage provides brief descriptions of the basic provisions of our BasicBlue plan, as well as details on policy renewability, benefit exclusions and coverage limitations. View the BasicBlue Outline of Coverage  document.

At Blue Cross and Blue Shield of Illinois, we understand your concerns about plan renewability.

However, to protect you and the rights of all policy holders, there are situations when a plan may be terminated or a renewal refused:

• Failure to pay premiums
• The plan is discontinued (90 days notice given with an option to convert to any plan we offer)
• Discovery of fraud or an intentional misrepresentation of facts (30 days prior written notice given)
• If you no longer reside, live or work in an area where we are authorized to do business

For more information on plan renewability, see our BasicBlue Outline of Coverage  document.

Every insurance plan has limitations. These limits are there to keep health care costs down for everyone. A pre-existing condition is just one example of a plan limitation. For example:

• A pre-existing condition may limit or exclude your participation in a plan.
• There is a waiting period of 365 days for pre-existing conditions
• This means your health care expenses related only to that specific condition will not be covered by the plan during that time.

It’s important to know the limitations of your health plan. For a full list of exclusions and limitations, our BasicBlue Outline of Coverage  document.

Optional Dental Coverage

• Covers cleanings, check-ups and other preventive procedures immediately – no waiting period
• One of the highest maximum benefit amounts available – up to $1,500 per person per year
• Up to 20 percent discount for orthodontic services at participating providers
• Learn more about optional dental coverage