Health Savings Accounts (HSA's)
Benefits Comparison -- We've expanded our offering of high deductible health plans to include a broader range of deductibles. Now you can pair HSAs with these innovative plans and enjoy tax advantages, ownership and more. Depending on the plan you choose, you can receive up to 100% coverage of your out-of-pocket expenses once you meet your deductible.
| BENEFIT | BlueEdgeSM Individual HSA1 |
BlueEdgeSM Individual HSA 50001 |
|---|---|---|
| PARTICIPATING PROVIDER COVERAGE | ||
| Provider Network | 90% of Illinois doctors, more than 200 hospitals |
|
| Lifetime Benefit | $5,000,000 | |
| Individual Coverage Deductible Per calendar year |
$1,150, $1,750, $2,600 or 3,500 | $5,000 |
| Individual Out-of-Pocket Expense Limit (Your Individual Expense Limit) |
Annual deductible plus $3,0002 |
Annual deductible |
| Family Coverage Deductible Per calendar year |
Equal to two times the individual deductible | |
| Family Aggregate Out-of-Pocket Expense Limit (Family Expense Limit) |
Annual deductible plus $6,0002 |
Annual deductible |
Hospital Services
|
100% or 80% | 100% |
| Wellness Care From age 16. Covers services associated with both an annual physical exam and an annual gynecological exam. Includes immunizations and routine diagnostic tests received or ordered on the same day as part of the exam. ($500 calendar-year maximum per person) |
100% or 80% | 100% |
| Well-Child Care To age 16. Includes immunizations, physical exams and routine diagnostic tests. ($500 calendar-year maximum per dependent) |
100% or 80% | 100% |
| Outpatient Emergency Care | 100% or 80% | 100% |
| Physical, Occupational or Speech Therapy $3,000 maximum per therapy, per calendar year |
100% or 80% | 100% |
| Mental Illness Treatment and Substance Abuse Rehabilitation Treatment
|
|
|
| Optional Maternity Coverage Inpatient/Outpatient Hospital Services and Physician Medical/Surgical Services. (When elected, maternity benefits will begin 365 days after the effective date of the maternity coverage) |
100% or 80% | 100% |
| Outpatient Prescription Drugs | 100% or 80% | 100% |
Get Started! with a personalized online, no obligation rate quote. Or, call 1-800-654-7385 to speak with one of our knowledgeable sales representatives and receive a rate quote over the phone.
View BlueEdgeSM HSA Outline of Coverage
View BlueEdgeSM HSA 5000 Outline of Coverage
Learn more about HSA Bank Options
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.
2 The individual out-of-pocket expense plus individual deductible can not exceed $5,000. The family aggregate out-of-pocket expense plus family deductible can not exceed $10,000.
2 The individual out-of-pocket expense plus individual deductible can not exceed $5,000. The family aggregate out-of-pocket expense plus family deductible can not exceed $10,000.
