BlueCross BlueShield of Illinois
The university offers two PPO health care plans through BlueCross BlueShield of Illinois (www.bcbsil.com). For 2023 we are adopting a tiered network approach. Both plan options and all tiers offer a full range of health care benefits. Additional information on each option is below. Complete details, including the 2023 Health Plan Comparison chart and the full certificate booklets, are available on below.
The first plan is the Blue Choice Options (BCO) PPO plan. When members utilize the BCO (Tier 1) network, they have a $20 office co-pay for primary care physician visits, $40 co-pay for a specialist visits; the deductible is $750 single / $1,500 family. Those choosing to utilize the broader PPO network (Tier 2) have a $40 office co-pay for primary care physician visits, $80 co-pay for a specialist visits; the deductible is $1,500 single / $3,000 family. After the deductible is met, coinsurance and out of pocket maximums vary by tier. Preventive care is covered at 100%, not subject to co-pays or deductibles. Out of network coverage is also available.
The second option is the Blue Choice Options (BCO) High Deductible Health Plan (HDHP) with a Health Savings Account (HSA). The HDHP utilizes the same Tier 1 and Tier 2 networks as the PPO plan. When enrolled in the HDHP there are no copays, but the member pays all non-preventive medical expenses until meeting the deductible, after which coinsurance applies. For services with Tier 1 providers, the deductible is $1,500 single / $4,500 family. For services with Tier 2 providers, the deductible is $3,000 single / $9,000 family. After the deductible is met, coinsurance and out of pocket maximums vary by tier. Preventive care is covered at 100%, not subject to deductible. Out of network coverage is also available.
A vision discount benefit is included with each plan for no additional premium. This includes an eye exam once every 24 months, with a $200 maximum reimbursement for prescription eye-wear. HDHP members will not receive reimbursement if they have not met their deductible. Please see the flier below for additional information.
For those enrolled in the HDHP and who meet other eligibility requirements, the Health Savings Account (HSA) allows individuals to contribute pre-tax dollars up to the annual IRS maximum. HSAs are set up automatically for HDHP members with HSA Bank (www.hsabank.com). IIT will contribute $500 for Single, $1,000 for 1+1, and $1,500 for Family tiers for 2023, with 1/12 of the annual contribution deposited to members' accounts at the end of each month. If you are 55 or older, you may also make a $1,000 annual catch up contribution. If you are enrolled in Medicare, you cannot contribute to an HSA. When contributing to the HSA, you may also open a limited purpose FSA to pay for dental and vision expenses. The university allows individuals who have elected the HDHP to change their HSA contributions once per month. For additional information, please see the HDHP Pamphlet below under the Forms and Brochures heading.
Proof of relationship and eligibility must be provided to include spouse/dependent children on the plan. A civil union partner meeting eligibility criteria may be covered.
The monthly cost of coverage to the employee is based on income as indicated in the chart below. The university will pay the remainder of the cost.
Contact Information
- BCBSIL website
- BCBSIL phone: 800.828.3116
- CVS/Caremark website
- CVS/Caremark phone: 844.283.2795
- HSA Bank website
- HSA Bank phone: 800.357.6246
Forms and Brochures
- Enrollment and Change Form (contact Human Resources)
- (formerly Blue Card WorldWide)
- CVS Temporary ID card
- Plan Overviews and Highlights
- Claim/ Order Forms
- CVS Prescription Mail Order Form: log in to your account at www.caremark.com for your personalized form
- Discount Programs
- (includes hearing, fitness, and more)
- (vision discount program through Blue 365 Deals/EyeMed Exchange)
- Plan Enhancements
- Click here to watch a short video about Hinge Health
- Click here to watch an informational webinar about Hinge Health, recorded April 21, 2021
Summary Plan Description
You must have access to the my.iit.edu Portal to download all of the documents below.
Annual Required Notices
You must have access to the my.iit.edu Portal to download all of the documents below.
- PPO Summary of Benefits and Coverage (SBC)
- HDHP Summary of Benefits and Coverage (SBC)
- Annual Benefits Notices for 2023
Price Transparency in Coverage - links to required Machine Readable Files
Health plan price transparency helps consumers know the cost of a covered item or service before receiving care. The Transparency in Coverage Final Rule requires disclosure of the negotiated rates with in-network providers and the historic allowed amounts paid to out-of-network providers, for all health plans available to employers. In addition to the tools available through Benefit Value Advisor (see flier above) files containing this information for IIT's In-Network Only PPO and HDHP plans are published on on Blue Cross Blue Shield's website here. Please note that this link is specific to the Illinois Instutite of Technology's employer sponsored plans.