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Summary of Benefits and Coverage: What this Plan Covers & What it Costs
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document
at www.bcbsil.com/coverage or by calling 1-800-538-8833.
Important Questions
What is the overall
deductible?
Answers
Individual: Participating $3,000
Non-Participating $6,000
Family: Participating $9,000
Non-Participating $18,000
Doesn't apply to preventative care
& certain copays.
Are there other
Yes. Per Occurrence: $250
deductibles for specific
Participating/ $350
Non-Particiapting Inpatient
services?
Admission and $200
Participating/ $300
Non-Participating Outpatient
Surgery. There are no other
specific deductibles.
Is there an out-of-pocket Yes. Individual:
Participating $6,350
limit on my expenses?
Non-Participating $12,700
Family: Participating $12,700
Non-Participating $25,400
What is not included in Premiums, balance-billed charges,
the out-of-pocket limit? and health care this plan doesn't
cover.
Yes. See www.bcbsil.com/coverage
Does this plan use a
or call 1-800-538-8833 for a list
network of providers?
of Participating providers.
Do I need a referral to see No. You don't need a referral to
see a specialist.
a specialist?
Are there services this plan Yes.
doesn't cover?
The out-of-pocket limit is the most you could pay during a coverage period (usually one year)
for your share of the cost of covered services. This limit helps you plan for health care expenses.
Even though you pay these expenses, they don't count toward the out-of-pocket limit.
If you use an in-network doctor or other health care provider, this plan will pay some or all of
the costs of covered services. Be aware, your in-network doctor or hospital may use an
out-of-network provider for some services. Plans use the term in-network, preferred, or
participating for providers in their network. See the chart starting on page 2 for how this
plan pays different kinds of providers.
You can see the specialist you choose without permission from this plan.
Some of the services this plan doesn't cover are listed on page 5. See your policy or plan
document for additional information about excluded services.
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Copayments are fixed dollar amounts (for example, $15) you pay for covered health care, usually when you receive the service.
Coinsurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the health
plan's allowed amount for an overnight hospital stay is $1,000, your coinsurance payment of 20% would be $200. This may change if you haven't
met your deductible.
The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed
amount, you may have to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowed
amount is $1,000, you may have to pay the $500 difference. (This is called balance billing.)
The plan may encourage you to use Participating providers by charging you lower deductibles, copayments, and coinsurance amounts.
Common Medical Event Services You May Need
If you visit a health care Primary care visit to treat an injury or illness
providers office or
clinic
Specialist visit
Other practitioner office visit
$55 copay/visit
$55 copay/visit
Preventive care/screening/immunization
Diagnostic test (x-ray, blood work)
Imaging (CT / PET scans, MRIs)
No Charge
20% coinsurance
20% coinsurance
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Physician/surgeon fees
If you need immediate Emergency room services
medical attention
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Physician/surgeon fee
Mental/Behavioral health outpatient services
20% coinsurance
$35 copay/visit or
20% coinsurance
20% coinsurance
$35 copay/visit or
20% coinsurance
20% coinsurance
$35 copay
20% coinsurance
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Hospice service
Eye exam
20% coinsurance
No Charge
Glasses
No Charge
Dental check-up
Not Covered
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Coverage Examples:
This is not a
cost
estimator.
Dont use these examples to
estimate your actual costs under
the plan. The actual care you
receive will be different from these
examples, and the cost of that care
also will be different.
See the next page for important
information about these examples.
Having a baby
(normal delivery)
$2,700
$2,100
$900
$900
$500
$200
$200
$40
$7,540 Patient pays:
Deductibles
Copays
$3,060 Coinsurance
$0 Limits or exclusions
$840 Total
$150
$4,050
$2,900
$1,300
$700
$300
$100
$100
$5,400
$3,000
$320
$0
$80
$3,400
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