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Health Insurance - Blue Cross and Blue Shield of Illinois (BCBSIL)

Plan Information

2024 HEALTH INSURANCE RATES - January 1. 2024 - December 31, 2024

2024 SUMMARY OF BENEFITS AND COVERAGE
Summary of Benefits and Coverage for 2024 Health Insurance Plan

2024 Enrollment Guide

2024 HEALTH INSURANCE PLAN II RATES - January 1, 2024 - December 31, 2024

BLUE CROSS/BLUE SHIELD PLAN 
Blue Cross/Blue Shield Plan Booklet for Participants

Perks of the plan!

Click on the title for more information.

VIRTUAL VISITS POWERED BY MDLIVE 

Speak with a doctor – anytime, anywhere! Virtual visits allows you to consult a doctor for non-emergency situations by phone, mobile app or online video anytime, anywhere. Speak to a doctor or schedule an appointment at a time that works best for you!

  • $0 Copay!

  • 24/7 access to an independently contracted, board-certified MDLIVE doctor

  • Access via phone, online video or mobile app from almost anywhere

  • Average wait time of less than 20 minutes

Activate your account - pick the way that is easiest for you:

  • Call MDLIVE at 888-676-4204

  • Go to MDLIVE.com/bcbsil

  • Text BCBSIL to 635-483

  • Download the MDLIVE app

Click here to watch a video and learn more about Virtual Visits!

DIGITAL MEMBER ID CARD

Your member ID card contains important information that tells your doctors and providers about your benefits. The back of your ID card has contact information to help you get answers and support.

Always show your BCBSIL ID card when you visit a doctor or other place for care. The information on the ID card helps the provider confirm benefits and file your claim.

BLUE ACCESS FOR MEMBERS

BCBSIL helps you get the most out of your health care benefits with Blue Access for Members (BAM). You and all covered dependents age 18 and up can create a BAM account.

It’s Easy to Get Started!

  1. Go to bcbsil.com/member

  2. Click Register (or use this link)

  3. Use the information on your BCBSIL ID card to sign up

Or, text BCBSILAPP to 33633 to get the BCBSIL App that lets you use BAM while you’re on the go.

THE BCBSIL APP!

Stay connected with the BCBSIL App and access important health benefit information wherever you are.

  • View and email your member ID card

  • Find an in-network doctor, hospital or urgent care facility

  • Access your claims, coverage and deductible information

  • Log in securely with your fingerprint

  • Access Health Care accounts

To download the app, text BCBSILAPP to 33633 or search for BCBSIL in the Apple App Store  or Google Play .

WELL ONTARGET - A DYNAMIC WELLNESS PROGRAM

Wellness is more than diet and fitness. It involves making healthy choices that enrich your mind, body and spirit. Well onTarget is designed to give you the tools and support you need to make these choices, while rewarding you for your hard work.

Click here to register!

New Fitness Option at Home

A digital-only Fitness Program option is available for members who prefer to work out at home. Members get full access to both digital fitness videos and live classes. And it’s available at a lower price of just $10 per month. Learn about the new fitness option and how employees can enroll.

BLUE POINTS PROGRAM

With the Blue Points program, you will be able to earn points by regularly participating in a range of healthy activities. You can then redeem your points for popular health and wellness merchandise and services. Blue Points offers you many features:

  • Instant recognition of points. Real-time granting of points gives you instant notice of your healthy efforts.

  • Easily manage your points. The interactive portal makes it easy to understand how many points are available to be earned. You can also track the total number of points earned year-to-date. All of your point data will be displayed on one screen.

  • Get more Blue Points. The Blue Points program gives you the option to supplement your Blue Points balance using a credit card to redeem your points for a larger reward.

  • Expanded selection of rewards. Redeem your hard-earned points in an expanded online Shopping Mall.

WELLBEING MANAGEMENT (FORMERLY BLUE CARE CONNECTION)

Our revamped approach to health management delivers a comprehensive, effective member experience that addresses the entire health continuum, from complex conditions to lifelong wellness.

VISION DISCOUNT PROGRAM

BCBSIL is pleased to offer members a discount vision program through the Blue365® member discount program.

As a member, you'll be able to save on:

  • Eyeglasses

  • Contact Lenses

  • Accessories

  • Laser Vision Correction and more

BCBSIL - COMMUNICATION YOUR WAY

Click the link to find out how to update your preferences and contact information with BCBSIL.

PROVIDER FINDER

Provider Finder from BCBSIL is a fast, east-to-use tool to find your next health care provider. Plus, it can help you manage health care costs.

Link: BCBSIL Find a Provider

Use the "Blue PPO [PPO]" plan option when searching for providers.

BLUE365 MEMBER DISCOUNT PROGRAM

We want to help you take care of yourself, every day of the year. That's why the BCBSIL health plan members* have access to Blue365, an online destination for health-focused discounts.

With discounts on health-related products, along with discounts on health and fitness clubs, weight-loss programs and so much more, you can decide what choices are right for you while saving money.

  • Receive discounts, promote your health — Discounts and offers from national and local health and wellness companies encourage mind and body wellness.

  • Share the health — Blue365 can make living well a family activity, with deals for gym discounts, well-balanced meal ideas and more.

  • Be in the know — After you register, you'll get weekly deals delivered straight to your inbox, helping you focus on your health.

Start enjoying the discounts and deals today. Visit Blue365.

First time users will be asked to register. Be sure to have your BCBSIL member ID card handy.

GLOSSARY OF HEALTH CARE TERMS

Health insurance is full of terms you may not know. To help you better understand health insurance, here’s a list of the most commonly used health care terms and definitions.

HEALTH INSURANCE COSTS

To understand your health insurance costs, you'll first want to look at your premium, deductible, copayments and coinsurance. Knowing how these four pieces work together shows what you could pay annually for your health coverage. It can even help you keep your health insurance costs down and maximize your savings. Let's look at each one individually along with other ways you may be able to get help paying for your health insurance costs.

24/7 NURSELINE - AROUND THE CLOCK, TOLL-FREE SUPPORT

Get answers to your health questions when you need them - 24 hours a day, 7 days a week. When a health problem pops up late in the day or in the middle of night, it can be hard to know how serious it is. Should you go to the emergency room? Urgent care? Or can it wait until you can see your regular doctor? The 24/7 Nurseline can help answer your health questions, day or night.

Plus, when you call, you can access an audio library of more than 300 health topics – from allergies to surgeries – available in English and Spanish.

BCBSIL DIGITAL RECIPE BOOK

Food is what connects us. BCBSIL has designed a webpage to be the ultimate nutrition source for delicious recipes, helpful cooking and nutrition tips, food preparation videos and even the opportunity to “ask the dietitian” nutrition questions!

Make Breast Cancer Screenings Routine

Preventive screenings are a big part of detecting breast cancer. They can help spot the disease early, when it’s easier to treat. Research shows that women who have regular mammograms are more likely to find breast cancer early, when it is most treatable.

Preventive mammograms
are covered at no cost when the services are provided by a provider in your health plan’s network.

Read this breast cancer article to learn more.

Colon Cancer Screening Saves Lives

Colorectal cancer is the third most common type of cancer in Americans (excluding skin cancers) – and the third leading cause of death from cancer. Screenings can catch it early when it’s treatable.

Help spread the word: BCBSIL recommends that everyone 50 to 75 years old get a screening. People with a family history of the disease or have other conditions that could lead to colorectal cancer may want to get screened earlier. They should discuss this with their doctor.

Read these colon care articles to learn more about who should be screened and when, screening options and more.

Informational Brochures

DECIDING WHERE TO GO
Deciding where to go? This page has information about choosing between a virtual visit, doctor's office, retail clinic, urgent care or emergency room.

BCBSIL MAIL ORDER PHARMACY FORM
See also: Blue Cross/Blue Shield Prescription Drug Coverage Summary for Additional Information on Mail Order Prescription Benefits

PREVENTIVE CARE SERVICES
Informational brochure on how to take advantage of preventive services.

WELLNESS GUIDELINES
Preventive care is very important. By making some good basic health choices, people can boost their own health and well-being. Lay the ground work for a healthy tomorrow!

Adult Wellness Guidelines

Child Wellness Guidelines

Perinatal Wellness Guidelines

Required Notices

HIPAA NOTICE OF SPECIAL ENROLLMENT RIGHTS
A required notice regarding enrollment periods outside of Open Enrollment

HIPAA PRIVACY NOTICE
A required notice regarding privacy rights

YOUNG ADULT DEPENDENT COVERAGE
A fact sheet for information on covering an adult child up to age 26

CHILDRENS' HEALTH INSURANCE PROGRAM
Information on the Children's Health Insurance Program Reauthorization Act (CHIPRA)

NOTICE OF WOMEN'S HEALTH AND CANCER RIGHT ACT 
Required Notice regarding women's health and cancer rights

ANNUAL NOTICE - HEALTH INSURANCE MARKETPLACE
A required notice regarding coverage available under the Affordable Care Act

ESSENTIAL HEALTH BENEFITS INFORMATION
Information From Blue Cross/Blue Shield on Essential Benefits

WHCRA NOTICE
Required notice under the Womens' Health and Cancer Rights Act

SURPRISE BILLING MODEL NOTICE
Required notice under the No Surprises Act

ESSENTIAL HEALTH BENEFIT
Required notice under the The Consumer Coverage Disclosure Act (CCDA)

Questions? Contact Jacci at jhenson@emsd37.org