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Coverage

Medical Benefits

The Blue Cross Blue Shield of Illinois PPO plan gives you access to doctors and hospitals across the country.

Contracting PPO doctors represent virtually every medical specialty, and contracting PPO hospitals include community, teaching and tertiary care facilities. Chances are your current doctor or hospital already participates in a Blue Cross and Blue Shield PPO network.

These are just some of the benefits of the BCBSIL PPO network:

  • When you visit network PPO doctors and hospitals, there's no need to pay upfront for your care.
  • PPO doctors and hospitals file claims for you.
  • When you use a contracting PPO doctor or hospital, you will not be balance billed for any fees above the allowable charge. That means less paperwork for you.

Health Savings Account

A Health Savings Account is a tax‑advantaged way to save and pay for qualified medical, dental and vision expenses. It offers triple tax benefits: tax‑free contributions, tax‑free growth and tax‑free withdrawals. Unused funds roll over each year and remain yours for life. You can contribute up to annual IRS limits, use your HSA card to pay for care and even invest your balance to help build long‑term savings.

Learn More About HSAs

Clinical Review of Benefits

This review is done before you undergo a procedure or service so that you will know in advance if it is covered under your group benefit plan.

Learn more about clinical reviews

Other Employee Benefit Providers 

Depending on your benefit package and voluntary elections, these links may be useful in helping you find additional information about your family's benefits.

  • Your prescription coverage is provided by a third-party pharmacy benefits manager. Contact your company’s pharmacy benefits.
  • Vision benefits available through VSP
  • Flexible Spending Account (FSA) available through Inspira Financial
  • Health Savings Account (HSA) available through Inspira Financial

HSA Bank, a division of Webster Bank, N.A. is an independent and separate company that will contract with the employer to provide HSAs. HSA Bank does not offer Blue Products or Services. BCBSIL makes no endorsement, representations or warranties regarding third-party vendors and the products and services offered by them.

Inspira Financial, formerly PayFlex, is an independent company that contracts directly with your employer group to provide banking and account administration as well as FSA Vendor services. Inspira Financial does not offer Blue Products or Services.

VSP is a registered trademark of Vision Service Plan. Vision plans are offered by VSP Vision Care. VSP is an independent company that does not offer Blue Cross and Blue Shield products and services and is solely responsible for the products and services it offers.