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Are you looking for an HSA compatible high-deductible plan? If so, these plans may be right for you.1 Our HSA compatible plans include BlueEdgeSM and BlueEdge 5000.
BlueEdge high deductible health plans offer reliable coverage and affordable monthly premiums. Key coverage and plan features include:
The typical BlueEdge Individual HSA buyer is an individual or family who:
Compare the features, options and costs of BlueEdge Individual HSA plans to find the one that’s right for you.
Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Illinois family.
1 Health Savings Accounts (HSA) have tax and legal ramifications. Blue Cross and Blue Shield of Illinois does not provide legal or tax advice, and nothing herein should be construed as legal or tax advice. These materials, and any tax-related statements in them, are not intended or written to be used, and cannot be used or relied on, for the purpose of avoiding tax penalties. Tax-related statements, if any, may have been written in connection with the promotion or marketing of the transaction(s) or matter(s) addressed by these materials. You should seek advice based on your particular circumstances from an independent tax advisor regarding the tax consequences of specific health insurance plans or products.
Health insurance costs include monthly payments, individual deductibles, drug coverage deductibles, out-of-pocket expenses, copayments, and coinsurance. For BlueEdge plans, here's what you can expect:
The BlueChoice Network option allows you to save on premiums and the cost of covered services when you use a contracting BlueChoice® hospital, doctor or specialist. You do not need to select a primary care physician or obtain a referral to see a specialist.
For more information on cost, including out-of-pocket costs, get a quick quote or see the Outline of Coverage documents under What's Included with BlueEdge Individual HSA — More Plan Details.
It’s important to know the features of the health plan you are considering. Our Outline of Coverage documents give you brief descriptions of the basic details of our BlueEdge Individual HSA plans, as well as details on renewability, exclusions and limitations.
At Blue Cross and Blue Shield of Illinois, we understand your concerns about coverage continuity. Blue Cross and Blue Shield of Illinois will never terminate or refuse to renew your Policy because of the condition of your health. However, to protect you and the rights of all policy holders, there are situations when a plan may be terminated or a renewal refused:
For more information on renewability, see the Outline of Coverage documents under What’s Included with BlueEdge Individual HSA — More Plan Details.
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:
It’s important to know the limitations of your health plan. For a list of exclusions and limitations, see the Outline of Coverage documents under What’s Included with BlueEdge Individual HSA - More Plan Details.
You can customize either BlueEdge Individual HSA plan with add-on coverage and insurance.
Optional Maternity Coverage
Optional Dental Coverage
(Participating Provider Coverage Shown1)
|Benefit Highlight||BlueEdgeSM Individual HSA2||BlueEdgeSM Individual HSA 50002|
|Participating providers||Two provider network options: PPO Network, 90% of IL doctors;
over 200 IL hospitals, or BlueChoice® Network3
|Individual Out-of-Pocket Expense Limit||Annual deductible plus $3,0001||Annual deductible|
|Preventive Care Services
(benefits covered as defined by national guidelines)
|Coinsurance||You pay 0% or 20%||You pay 0%|
|Optional Maternity Coverage Coinsurance||You pay 0% or 20%||You pay 0%|
|Prescription Drugs||You pay 0% or 20%||You pay 0%|
|Prescription Drug Utilization/ Benefit Management Programs (for policies with effective dates on or after 1/1/2012)||Dispensing Limits: Benefits include coverage limits on certain medications.
Specialty Pharmacy Program: To be eligible for maximum benefits, specialty medications must be obtained through the preferred Specialty Pharmacy Provider.
View the Specialty Pharmacy Program List which includes a reminder about coverage for self-administered specialty medications.
Member Pay the Difference: When choosing a brand name drug over an available generic equivalent, your usual share plus the difference in cost.
Prior Authorization/Step Therapy Requirements: Before receiving coverage.
|Outline of Coverage||Outline of Coverage|
1. Benefits reduced when non-participating providers are used. This is a summary of highlights only. Please refer to the Outline of Coverage for each plan for additional details.
2. The individual out-of-pocket expense plus individual deductible can not exceed $5,000.
3. The BlueChoice Network allows you to save on premiums and the cost of covered services when you use a contracting BlueChoice hospital, doctor or specialist. You do not need to select a primary care physician or obtain a referral to see a specialist.
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