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Large Group Health Insurance Plans

Discover a complete portfolio of standard to customizable, end-to-end health care solutions for large employer groups (151+) from Blue Cross and Blue Shield of Illinois (BCBSIL).

Better Value, Better Benefits, Better Business

As an experienced and trusted health insurance carrier, we’re committed to providing options that meet your client's unique needs, from innovative local offerings to national solutions. A provider network product is a big piece of a holistic health care solution.

The following network products1 are available for local, labor/municipal, and national groups with 151+ participants for both types of funding arrangements: fully insured and self-funded (aka Administrative Services Only or ASO). Exceptions noted.

Blue Choice Select PPOSM

  • PPO Plan: 9.7% Cost Savings relative to broad PPO2
  • Provides access to a narrow network of contracting physicians and hospitals in Illinois at an affordable cost
  • Depending on the structure of your client's benefit design, this selection could potentially decrease their health care costs and their employees’ overall health care spending

Available throughout Illinois except for Sangamon, Lawrence and Wabash counties.

Blue Choice OptionsSM

  • Tiered PPO Plan: 8.2% Cost Savings relative to broad PPO3
  • Leverages benefit design to increase utilization at cost-effective providers
  • A lower-cost alternative to the broad PPO. There are three benefit tiers:
    • Tier 1 – Blue Choice Options PPO. Lower cost-share when employees choose from this select network of providers
    • Tier 2 – Broad PPO. The flexibility of accessing the broader PPO network, but with a higher cost-share than Tier 1
    • Tier 3: – Out of Network. The ability to use OON providers and still receive some coverage

Available throughout Illinois except for Rock Island, Moline, and East Moline.

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HMO IllinoisSM and Blue Advantage HMOSM

  • HMO Illinois: 18.8% Cost Savings relative to broad PPO2 
  • Blue Advantage HMO: 25.2% Cost Savings relative to broad PPO2
  • Affordable, member-focused health care benefit plan that emphasizes preventive care and condition management
  • The framework of care guided by a primary care provider (PCP) delivers verifiable results in helping to improve members’ health through evidence-based care management
  • Programs and tools help members manage their health and make good health care decisions

Both Networks Available in the Bloomington, Chicago, Springfield, Rockford, Peoria, and East St. Louis areas.

Easily Boost Medical Benefits with Ancillary

We can combine our medical coverage with some of the most popular ancillary benefits in one quote. Package pricing4 combines medical coverage with other ancillary benefits and allows for a reduction in medical premium.

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1 Blue Choice Select, Blue Choice Options, HMO Illinois and Blue Advantage HMO provide coverage within stated regions with the exception of emergency room and emergency procedures

2 Our book of business analysis of Illinois based employers (151+) indicated that employers benefit from about 9.7% in cost avoidance by using Blue Choice Select relative to the broad PPO, about 18.8% in cost avoidance by using HMO Illinois relative to the broad PPO, and about 25.2% in cost avoidance by using Blue Advantage HMO relative to the broad PPO. Savings will differ based on each employer’s population (demographics and location).

3 Our book of business analysis of Chicago based employers (151+) indicated that employers benefit from about 8.2% in cost avoidance by using Blue Choice Options relative to the broad PPO. Savings will differ based on each employer’s population (demographics and location).

4 Ancillary product package pricing is available to mid-market (51-150) and large group market segments (151+) with up to 3,000 eligible employees when combining medical with qualifying ancillary options. Multiple Employer Welfare Arrangements, small groups (1-50), Blue Balanced FundedSM, student health plans, select large group segments, Minimum Premium Plans and ASO groups with percent-of-claims arrangements are excluded from this program.

Last Updated: Dec. 12, 2023