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Coverage 

Health Care Service Corporation (HCSC) has made sure to provide you with flexible options for your retiree health care coverage. Your Blue Cross and Blue Shield of Illinois (BCBSIL) health care benefits are designed to provide coverage for the care you need, encourage you to maintain your good health, and help you manage your health care costs. 

Starting January 1, 2025, all HCSC retirees and their covered dependents who are Medicare-eligible, age 65 or older, will need to be enrolled in one of the HCSC Retiree Medicare plan options.

You will save money by no longer paying the FULL-COST DIFFERENCE between the Traditional plan (PPO, HSA or HMO) and the group retiree Medicare plan, on top of your base premium contribution percentage. You will only pay your percentage costs of your new group retiree Medicare plan for 2025.

Medicare-eligible Retiree Benefits

2025 Blue Cross Group Medicare Advantage Open Access (PPO)℠ (Effective January 1, 2025)

This Open Access Medicare Advantage plan bundles medical care and prescription drug coverage with extra health and wellness benefits. And because it’s a group plan, your costs will be lower. This plan also gives you the freedom to seek care across the country. You have the flexibility to go outside the network for the same cost. No referral is needed. 

2025 BlueSecure℠/ Blue Cross Group MedicareRx (PDP)℠ (Effective January 1, 2025)

BlueSecure and Blue Cross Group MedicareRx℠ work together with Original Medicare to cover your medical, hospital and prescription drug costs. And because it’s a group plan, your costs will be lower. This plan also gives you the freedom to seek care across the country. No referral is needed.

2025 HCSC Retiree Benefit Highlight Comparison Chart

Benefit Highlight Comparison Chart – Traditional Plans (PPO, HSA and HMO) and Group Retiree Medicare Plans

Benefit Highlight Comparison Chart – Group Retiree Medicare Plans

2024 Blue Cross Group Medicare Advantage Open Access (PPO)SM (Effective January 1, 2024)

This Open Access Medicare Advantage plan bundles medical care and prescription drug coverage with extra health and wellness benefits. And because it’s a group plan, your costs will be lower. This plan also gives you the freedom to seek care across the country. You have the flexibility to go outside the network for the same cost. No referral is needed. 

2024 BlueSecureSM / Blue Cross Group MedicareRx (PDP)SM (Effective January 1, 2024)

BlueSecure and Blue Cross Group MedicareRxSM work together with Original Medicare to cover your medical, hospital and prescription drug costs. And because it’s a group plan, your costs will be lower. This plan also gives you the freedom to seek care across the country. No referral is needed.

2024 HCSC Retiree Benefit Highlight Comparison Chart

Benefit Highlight Comparison Chart

Prescription Drug Benefits

Your health plan includes prescription drug benefits. These benefits are administered by Prime Therapeutics®, the Pharmacy Benefit Manager (PBM) for BCBSIL.

To find an in-network pharmacy:

  • Visit myprime.com.
  • Click ‘Continue without sign in.’
  • Under ‘Select Your Health Plan,’ select ‘BCBS Illinois.’
  • Answer ‘Yes.’
  • Select Blue Cross Group Medicare Advantage (PPO)℠ - 5T Standard or Blue Cross Group MedicareRx℠ - 5T Standard.
  • Click ‘Continue.’
  • Search for an in-network pharmacy.

View the MAPD drug list

View the PDP drug list

Last Updated: 03112025
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