A PPO plan offers the freedom to receive care from any in- or out-of-network doctor, specialist or hospital without a referral. You have a deductible to meet and once the deductible is met, coinsurance (or the cost share between you and the carrier) kicks in. The types of medical services that accumulate towards your deductible are inpatient hospital stays, outpatient surgeries, labs (blood work) and x-rays (MRIs, PET scans, CT scans, etc.). If you go to the doctor, see a specialist, utilize the ER or take a prescription drug, you’ll pay a copay for those specific services. Copays do not accumulate towards your deductible, but they do accumulate towards your overall out-of-pocket maximum.
For the Summary of Benefits for this Health Insurance Plan, click HERE
2025 Health Insurance Rates:
Employee Only (any age): $58.00 per week
To add spouse and/or dependents, please refer to the AGE RATES page for additional rates.
NOTE: Employees active on our health insurance plan that do not participate in the wellness program will be responsible for an additional 10% of their individual premium.
| Network | In-Network | Out-of-Network |
| Deductible | ||
| Individual | $1,600 | $3,200 |
| Family | $3,200 | $6,400 |
| Coinsurance | 80% | 60% |
| Out-of-Pocket Max | ||
| Individual | $6,500 | Unlimited |
| Family | $13,000 | Unlimited |
| Physican Services | ||
| Preventative Care | 100% | 60%* |
| Physican Visit | $45 Copay | 60%* |
| Specialist Visit | $70 Copay | 60%* |
| Diagnostic Visit | 80% | 60%* |
| Lab Testing | 80% | 60%* |
| Inpatient Hospital | $200 + 80% | 60%* |
| Emergency Room | $400 Copay + 80% | $400 Copay + 80% |
| Urgent Care | $75 Copay | 60%* |
| Telehealth via MD Live | $45 Copay | N/A |
| Pharmacy (In-Network) | ||
| Preferred (30 days) | Copays: $5-$15-$50-$100-$250 | N/A |
| Non-Preferred (30 days) | Copays: $15-$25-$70-$120-$350 | N/A |
| Mail Order | Copays | N/A |
*Coinsurance percentage that applies after the deductible has been met
Carrier: BlueCross BlueShield
Website: www.bcbsil.com/members
Phone: 800-511-2767