Blue Cross and Blue Shield of Illinois ÂⷠBlue Precision Silver Hmoã¢â€žâ 206

Blue Precision – Silver HMO Plans

Our Rating:

The Blue Precision Silver HMO Plan 002 is lowest cost HMO plan that includes copays for doctor visits, prescription drugs, surgeries, and emergency room visits. This plan has a very high deductible for an HMO Plan – $5,000 for single and $12,700 for families and should be taken into consideration before enrolling in this plan.

This is an HMO plan. You must select a Blue Precision HMO Network Primary Care Physician (PCP) when enrolling in this plan.

There is only 1 BCBSIL Silver HMO Plan Option:

• Blue Precision Silver HMO 002 – $5,000 deductible and 80% coinsurance

PPO Network

The The Silver HMO Plan uses the Blue Precision HMO network, one the largest HMO network in Illinois. You must select a network primary care physician (PCP), who coordinates your care within the network and referrals are required from your PCP to see a specialists.

Key Silver HMO ^® Plan 002 features include:

• Lower out-of-pocket costs than PPO plans
• You must select a network primary care physician (PCP), who coordinates your care within the network
• Referral required to see a specialist
• $30 doctor visit copayment for primary care physicians (PCPs) and $50 copay for specialists
• $50 office visit copayment for specialists
• Prescription drug coverage
• Maternity Coverage
• Well-adult care
• Well-child care
• Diagnostic testing
• Hospital services
• Access to the BlueCard PPO network when traveling out-of-state
• Optional dental coverage

Blue Precision HMO Silver^® Plans may be right for you if you are an individual or family who:

• Are willing to have a primary care physician (PCP) coordinate your care
• Prefers fixed doctor visit copayments
• Are not expecting to have surgery or major services in the near future
• Requires regular prescription medication

Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Illinois family.

Blue Precision Silver HMO Plan Costs

Health insurance costs include monthly premium payments, individual/family deductibles, out-of-pocket expenses, copayments, and coinsurance. Here is what you can expect with Silver^® plans:

• $5,000 single deductible / $12,700 aggregate family deductible
• $30 primary care office visit copay, $50 office visit copay for specialists
• Coinsurance of 80%
• Annual out-of-pocket maximum of $6,350 for individuals and $12,700 for families (includes deductible)

You must use a contracting BCBS HMO hospital, doctor or specialist for covered services. If you see a doctor or hospital that is not in the HMO network, you will be responsible for all costs with the exception of hospital emergencies.

For more information on costs, get a quick quote or see the benefit summary .

What's Included with Blue Precision Silver HMO Plan 002®

• Preventive Care Covered at 100%, no deductible
• Coverage for major hospital, medical and surgical expenses incurred as a result of a covered accident or sickness
• Coverage for daily hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in-hospital medical services, and out-of-hospital care
• Maternity Coverage
• Prescription Drug Coverage

More Plan Details

It's important to know the critical features of the health plan you are considering. Each plan's Outline of Coverage provides brief descriptions of the basic provisions the Silver plans, as well as details on policy renewability, benefit exclusions and coverage limitations.

• Silver HMO 002 Outline of Coverage

Prescription Drug Coverage

Silver Plans Prescription Drug Coverage

For the Silver HMO 002 Plan, there is a prescription drug card benefit that includes a coinsurance after your deductible. This benefit is not immediately available and subject to the deductible.

There is a also a Home Delivery prescription benefit available with these 3 deductible options where you can receive a 90 day supply in the mail for the cost of a 60 day supply and is subject to a maximum cost of $300 per prescription.

Outpatient Prescription Drug Benefit	Silver HMO Plan 002
Preferred Generics	$0 copay
Non-Preferred Generics	$10 copay
Preferred Formulary	$50 copay
Non-Preferred Formulary	$100 copay
Specialty	$150 copay

Plan Renewals

Your BCBSIL policy can ONLY be terminated for the following reasons:

• Failure to pay
• The plan is discontinued (90 days notice given with an option to convert to any plan BCBSIL offers)
• Discovery of fraud or an intentional misrepresentation of facts (30 days prior written notice given)
• If you no longer reside, live or work in an area where we are authorized to do business

Blue Precision Silver HMO 002 Plan Limits

It's important to know the limitations of your health plan. For a list of exclusions and limitations, see the benefit summary .

Add-ons and Plan Options

You can customize any Silver plan to add-on dental insurance.

Optional Dental Coverage

• Covers cleanings, check-ups and other preventive procedures immediately – no waiting period
• One of the highest maximum benefit amounts available – up to $1,500 per person per year
• Up to 20% discount for orthodontic services at participating providers
• Learn more about optional dental coverage

Silver HMO 002

Our Rating:

Benefit Highlight	Blue Precision Silver HMO 002
Plan Features
Lifetime Maximum	Unlimited
Participating providers	Blue Precision HMO Network You must select a network primary care physician
Individual Deductible	$5,000
Family Deductible	$12,700
Coinsurance	80%
Out of Pocket Maximum Includes deductible	$6,350
Family Out of Pocket Maximum Includes deductible	$12,700
Office Visit Copay (Primary Care/Specialist)	$30 / $50 specialist
Medical Coverage Details
Inpatient Hospital Medical / Surgical Services Hospital Services and Hospital Diagnostic Testing	$250 copay then 80% after deductible
Outpatient Surgery	$50 copay then 100%
Emergency Room / Outpatient Emergency Care Physician and Hospital	$500 copay then 80% after deductible
Outpatient Hospital Diagnostic Testing	$50 copay then 100% coverage
Mental Illness & Substance Abuse Rehab (Outpatient Hospital/ Physician Care)	$30 copay
Mental Illness & Substance Abuse Treatment (Inpatient Hospital Care)	$250 copay then 80% after deductible
Mental Illness & Substance Abuse Treatment (Inpatient Physician Care)	$50 copay
Preventive Care	Covered at 100%, no copay
Maternity Coverage	$30 copay for prental and postnatal care, $250 copay for delivery then covered at 80% after deductible
Prescription Drugs
Preferred Generics	$0 copay
Non Preferred Generics	$10 copay
Preferred Formulary	$50 copay
Non-Preferred Formulary	$100 copay
Specialty	$150 copay
Prescription Drug Formulary	Standard
Cost Reductions
Tax Credit Eligible	Yes
Cost Sharing Eligible	No
HSA Eligibile	No
Outline of Coverage

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Source: https://www.ilhealthagents.com/bluecross-blueshield-illinois/silver-hmo/

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