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Blue Access for Employers

Participating Provider Option (PPO) Value Choice
(2-50) Employees

 

PPO Value Choice members are not required to select a primary care physician. They have the freedom to choose a doctor whenever they need care, including specialists, from one of the largest PPO networks in Illinois.

When your employees use contracting network doctors and hospitals, there are no claims forms to complete and no "balance billing" because providers agree to accept Blue Cross and Blue Shield of Illinois' negotiated rates.

You can choose from a wide range of benefit designs that offer several coinsurance, deductible, out-of-pocket maximum and office visit copayment options.

The chart below presents the different PPO Value Choice options and includes a comparison of in-network versus out-of-network benefits. It is organized first by coinsurance percentage and further by deductible amounts.

Contact information can be found below the chart.



In-Network Benefits — 80% / 60% Coinsurance

Coinsurance Deductible(Individual/Family) Out-of-Pocket Max*(Individual/Family) Office Visit Emergency Room Copay
$250 DEDUCTIBLE
80% $250 / $750 $2,500 / $7,500 80% 80%
$250 / $750 $5,000 / $15,000 80% 80%
$500 DEDUCTIBLE
80% $500 / $1,500 $5,000 / $15,000 80% 80%
$1,000 DEDUCTIBLE
80% $1,000 / $3,000 $2,500 / $7,500 80% 80%
$1,000 / $3,000 $5,000 / $15,000 80% 80%
$2,500 DEDUCTIBLE
80% $2,500 / $7,500 $2,500 / $7,500 80% $150
$5,000 DEDUCTIBLE
80% $5,000 / $15,000 $5,000 / $15,000 80% $150

Out-of-Network Benefits

Coinsurance Deductible(Individual/Family) Out-of-Pocket Max*(Individual/Family)
$250 DEDUCTIBLE
60% $500 / $1,500 $5,000 / $15,000
$500 / $1,500 $10,000 / $30,000
$500 DEDUCTIBLE
60% $1,000 / $3,000 $10,000 / $30,000
$1,000 DEDUCTIBLE
60% $2,000 / $6,000 $5,000 / $15,000
$2,000 / $6,000 $10,000 / $30,000
$2,500 DEDUCTIBLE
60% $5,000 / $15,000 $5,000 / $15,000
$5,000 DEDUCTIBLE
60% $10,000 / $30,000 $10,000 / $30,000

In-Network Benefits — 70% / 50% Coinsurance

Coinsurance Deductible(Individual/Family) Out-of-Pocket Max*(Individual/Family) Office Visit
PCP/PSP		 Emergency Room Copay
$250 DEDUCTIBLE
70% $250 / $750 $2,500 / $7,500 70% 70%
$250 / $750 $5,000 / $15,000 70% 70%
$500 DEDUCTIBLE
70% $500 / $1,500 $2,500 / $7,500 70% 70%
70% $500 / $1,500 $5,000 / $15,000 70% 70%
$1,000 DEDUCTIBLE
70% $1,000 / $3,000 $2,500 / $7,500 70% 70%
70% $1,000 / $3,000 $5,000 / $15,000 70% 70%

Out-of-Network Benefits

Coinsurance Deductible(Individual/Family) Out-of-Pocket Max*(Individual/Family)
$250 DEDUCTIBLE
50% $500 / $1,500 $5,000 / $15,000
$500 / $1,500 $10,000 / $30,000
$500 DEDUCTIBLE
50% $1,000 / $3,000 $5,000 / $15,000
$1,000 / $3,000 $10,000 / $30,000
$1,000 DEDUCTIBLE
50% $2,000 / $6,000 $5,000 / $15,000
$2,000 / $6,000 $10,000 / $30,000

* The out-of-pocket maximum does not include the deductible.



Contact Us

Blue Cross and Blue Shield of Illinois
300 East Randolph Street
Chicago, Illinois 60601-5099
(800) 654-7385


 
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