We’re Here to Help You!

Send us a question or request more information. Our team is here to help you get a 2020 health care plan for yourself or family.

Tab One Ask Question

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Ask a Sales Question

Please fill out the form below and a licensed agent will contact you to help answer your questions.

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Tab Two Request Brochure

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Request a Brochure

Please fill out the form below and we will send you information about our health insurance plans.

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If you provide a phone number, an agent may call you to make sure that you received the information and to answer any questions that you might have.

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Tab Three Request Agent

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Online Agent Request Form

Please fill out the form below and a Blue Cross and Blue Shield of Illinois authorized agent will contact you within 1 to 2 business days. They will schedule an appointment at a time and location that is convenient for you. There is no cost or obligation for this service.

Please select the product you are interested in
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Tab Four Call Us

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Need Assistance Shopping?

Sales Questions and Additional Plan Information:
1-866-514-8044
Calls may or may not be answered inside the United States.

Monday – Friday: 8 a.m. – 8 p.m. CT
Saturday: 8 a.m. – 6 p.m. CT
Sunday: 10 a.m. – 2 p.m. CT

Customer Service:
1-800-538-8833
Calls may or may not be answered inside the United States.

Monday – Friday: 7 a.m. – 8 p.m. CT
Saturday: 8 a.m. – 5 p.m. CT
Sunday: Closed

Already a member?
Call the Customer Service number on the back of your member ID card.

New to Medicare or Need Help Shopping for a Plan?

Call us at 1-877-213-1821 TTY 711

We’re open between 8 a.m. – 8 p.m., local time, 7 days a week. If you’re calling from April 1 through September 30, alternate technologies (for example, voicemail) will be used on the weekends and holidays.

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Health Insurance Deductibles, Coinsurance and Maximum Limits

Once you understand the different parts of your health insurance costs you’ll want to know how these work together and what your out-of-pocket costs may be. Below are a few examples of how deductibles, coinsurance and maximum limits work together.

Example #1: Deductibles, Coinsurance and Out-of-pocket maximum

Your health plan has a:

  • $4,000 deductible
  • 25% coinsurance
  • Out-of-pocket maximum of $5,000

This means:

  • You must pay $4,000 toward your medical costs before your plan begins to cover costs.
  • After you pay the $4,000 deductible, your plan covers 75% of the costs, and you pay the other 25%.
  • When you've paid $5,000 out of your pocket toward your medical costs, your plan covers 100% of your costs until your "plan year" renews. A plan is good for 1 year.

When the next plan year begins, your deductible and coinsurance reset. You are once again responsible for the $4,000 deductible and 25% coinsurance.

Example #2: Coinsurance After You've Met Your Deductible

Let's say you fracture your hand while playing sports and you need an X-ray. If you've already met your annual $4,000 deductible, your coinsurance goes into effect. In this example, that means that your plan now pays for 75% of your benefits while you pay the other 25%.

Here's a break down of those costs:

  • The X-ray for your hand costs $200.
  • Your plan covers 75%, which is $150.
  • The amount you pay out-of-pocket cost, or your coinsurance, is $50.

Example #3: Maximum Limits

Your health plan sets a maximum limit for certain tests, procedures and medical services. This means that it will cover up to a certain amount for these services. These limits help lower costs for all members by keeping rates fair and reasonable.

Let's say your doctor charges more for the above hand X-ray.

  • Your health plan covers a maximum of $200 for an X-ray.
  • Your doctor charges $250.
  • You may have to pay the $50 difference.