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Select PPO

This plan gives you the flexibility to choose any doctor/hospital that you wish without requiring a primary care physician (PCP) or referrals. If you choose a Blue Cross doctor, you will be charged the in-network rates.

This is a summary of the plan benefits. Complete benefit information is available in the BCBS PPO Select Booklet and Summary of Benefit Coverage (SBC).

Select PPO benefits broken down by in-network, out-of-network and Northwestern Medicine network.
In-Network Out-of-Network Northwestern Medicine
Group Number 006168 006168 006168
Deductible $500 member, $1,500 family $500 member; $1,500 family $250 member, $750 family
Out-of-Pocket (OOP) Maximum $2,600 member, $7,750 family $5,300 member, $15,500 family $1,500 member, $4,500 family
Prescription OOP Maximum $1,500/year per member N/A N/A
Wellness Checkup Covered 100% according to age/sex guidelines Deductible + 40% coinsurance Covered 100% according to age/sex guidelines
Office Visit $25 physician/$35 specialist Deductible + 40% coinsurance $10 physician/$20 specialist
Emergency Room Costs $100 copay + 20% coinsurance $100 Copay + 20% coinsurance $100 copay (waived if admitted) + 20% coinsurance

*All health care copays apply toward the out-of-pocket maximums.

Saving Money On Health Procedures and Tests

Benefit Value Advisors (BVAs)

Blue Cross Blue Shield of Illinois offers a service called Benefit Value Advisors (BVAs) that can help you save money on health procedures and tests, and also:

  • Simplify complex benefit options, making them easier to understand
  • Help you use your benefits more wisely and get better value
  • Maximize your benefits
  • Get cost estimates for various providers and procedures
  • Help to schedule appointments
  • Assist with referrals to clinical staff/programs
  • Help with preauthorization

Call the number on the back of your ID card to speak with a BVA.

Find a doctor

In- and out-of-network
  1. Navigate to the Provider Finder
  2. Select the group health plan and choose PPO
Northwestern Medicine participating doctors
  1. Navigate to the Northwestern Medicine Provider Finder (Be sure NOT to log in)
  2. Select the get medical care in the middle of the screen

     

This is a summary of the plan benefits. Complete benefit information is available in the BCBS PPO Select Booklet and Summary of Benefit Coverage (SBC).

Select PPO benefits broken down by in-network, out-of-network and Northwestern Medicine network.
In-Network Out-of-Network Northwestern Medicine
Group Number 006168 006168 006168
Deductible $750 member,
$2,250 family		 $1,500 member; $4,500 family $500 member,
$1,500 family
Out-of-Pocket (OOP) Maximum $3,000 member, $8,000 family $6,000 member, $16,000 family $1,800 member,
$4,800 family
Prescription OOP Maximum $1,500/year per member N/A N/A
Wellness Checkup Covered 100% according to age/sex guidelines Deductible + 40% coinsurance Covered 100% according to age/sex guidelines
Office Visit $25 physician/
$35 specialist		 Deductible + 40% coinsurance $10 physician/
$20 specialist
Emergency Room Costs $150 copay + 20% coinsurance $150 Copay + 20% coinsurance $150 copay (waived if admitted) + 20% coinsurance

*All health care copays apply toward the out-of-pocket maximums.

Saving Money On Health Procedures and Tests

Health Advocacy Solutions (HAS)

You’ve got some great resources in your Blue Cross and Blue Shield of State (BCBSIL) plan that can help you on your health journey.  Read on and learn more about them!

  • Simplify complex benefit options, making them easier to understand
  • Help you use your benefits more wisely and get better value
  • Maximize your benefits
  • Get cost estimates for various providers and procedures
  • Help to schedule appointments
  • Assist with referrals to clinical staff/programs
  • Help with preauthorization

Call toll- free 888-901-9357 (weekdays 7 a.m. to 7 p.m. CT). If you call after hours, you can speak with a nurse.

For More Information Visit the Health Advocacy Solutions Webpage

Find a doctor

In- and out-of-network
  1. Navigate to the Provider Finder
  2. Select the group health plan and choose PPO
Northwestern Medicine participating doctors
  1. Navigate to the Northwestern Medicine Provider Finder (Be sure NOT to log in)
  2. Select the get medical care in the middle of the screen

     

Premiums are deducted from your paycheck on a pre-tax basis.  Employees who are paid bi-weekly will have half of the monthly deduction taken from the first two checks of each month.

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Premiums for full-time employees

Select PPO monthly premiums for full-time employees by annual salary and members of family insured.
Annual Salary You You + Spouse You + Child(ren) You + Spouse + Child(ren)
Under $42,000 $44 $97 $82 $145
$42,001-$75,000 $80 $174 $148 $262
$75,001-$128,000 $129 $281 $241 $423
$128,001-$182,000 $186 $410 $349 $616
$182,001 and above $272 $593 $504 $892

For new hires, the salary tier is determined based on your initial, regular salary. The salary tier for current employees is determined by your salary on September 1st of the year proceeding the plan year (e.g. Premiums starting 1/1/2020 are based on your 9/1/2019 salary). Mid-year changes to salary will not change your assigned salary tier, unless you transition from full-time to part-time or part-time to full-time.

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Premiums for part-time employees

Select PPO monthly premiums for part-time employees by annual salary and family members insured.
Annual Salary You You + Spouse You + Child(ren) You + Spouse + Child(ren)
Under $42,000 $211 $461 $391 $691
$42,001-$75,000 $235 $512 $434 $770
$75,001-$128,000 $268 $584 $496 $877
$128,001-$182,000 $306 $669 $570 $1,007
$182,001 and above $363 $792 $673 $1,191

For new hires, the salary tier is determined based on your initial, regular salary. The salary tier for current employees is determined by your salary on September 1st of the year proceeding the plan year (e.g. Premiums starting 1/1/2020 are based on your 9/1/2019 salary). Mid-year changes to salary will not change your assigned salary tier, unless you transition from full-time to part-time or part-time to full-time.

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Premiums are deducted from your paycheck on a pre-tax basis.  Employees who are paid bi-weekly will have half of the monthly deduction taken from the first two checks of each month.

Jump to:

Premiums for full-time employees

Select PPO monthly premiums for full-time employees by annual salary and members of family insured.
Annual Salary You You + Spouse You + Child(ren) You + Spouse + Child(ren)
Under $42,000 $46 $102 $86 $152
$42,001-$75,000 $84 $183 $155 $275
$75,001-$128,000 $135 $295 $253 $444
$128,001-$182,000 $195 $431 $366 $646
$182,001 and above $285 $623 $529 $937

For new hires, the salary tier is determined based on your initial, regular salary. The salary tier for current employees is determined by your salary on September 1st of the year proceeding the plan year (e.g. Premiums starting 1/1/2020 are based on your 9/1/2019 salary). Mid-year changes to salary will not change your assigned salary tier, unless you transition from full-time to part-time or part-time to full-time.

 Back to top

Premiums for part-time employees

Select PPO monthly premiums for part-time employees by annual salary and family members insured.
Annual Salary You You + Spouse You + Child(ren) You + Spouse + Child(ren)
Under $42,000 $221 $484 $411 $725
$42,001-$75,000 $247 $583 $456 $808
$75,001-$128,000 $281 $613 $521 $921
$128,001-$182,000 $321 $703 $598 $1,057
$182,001 and above $381 $832 $707 $1,251

For new hires, the salary tier is determined based on your initial, regular salary. The salary tier for current employees is determined by your salary on September 1st of the year proceeding the plan year (e.g. Premiums starting 1/1/2020 are based on your 9/1/2019 salary). Mid-year changes to salary will not change your assigned salary tier, unless you transition from full-time to part-time or part-time to full-time.

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Benefits

Prescription coverage
Discounts
  • Vision discount - program available through Davis Vision
  • Blue Discount Program - offers a variety of discounts on gym memberships, alternative medicine and hearing aids
  • Hearings aids discounts available with TruHearing at 866-687-2020
Immunizations
  • Covered under the Well Child Care provisions for children up to age 16
  • $25 office visit copay
Routine mammogram and pap smear
  • Covered with no cost-sharing
  • Mammogram covered for women age 35+
Laboratory tests and x-rays
  • Coinsurance after deductible is met
Physical therapy and chiropractic care
  • Coinsurance after deductible is met
  • Member's condition must show continued improvement with physical therapy
Minor surgery in doctor's office or outpatient surgical operations
  • Coinsurance after deductible is met
Diabetes treatment
  • Covered at coinsurance after deductible is met:
    • Glucometer
    • Self management training services rendered by a physician or licensed health care professional with expertise in diabetes management
    • Regular foot care examinations by a physician or podiatrist
  • Other supplies and equipment are covered under prescription drug program

Exclusion examples

  • Hearings aids; discounts available with TruHearing at 866-687-2020
  • Custodial Nursing Home Care
  • Cosmetic Care except for the correction of congenital deformities or for conditions resulting from accidental injuries, tumors or disease
  • For a comprehensive list of exclusions, contact BCBS at 800-327-8497