Blue Cross Blue Shield of Illinois Plan Costs
Affordable Health Care Coverage For You And Your Team
Our employer-sponsored group health insurance plans allow you to cover all your employees and their family members.
Blue Cross and Blue Shield of Illinois (BCBSIL) has the flexibility and choice that growing companies need. BCBSIL provides Illinois small business employers with a variety of health care plan options that include access to a large network of providers and comprehensive benefits to fit your employees' needs and your organization's budget.
Small Business Health Insurance Group Plan Options
When it comes to health plans, "metal" tiers easily identify how costs are split between the insurance company and the insured.
Plan options within each metal tier include Participating Provider Option (PPO) and Health Maintenance Organization (HMO) choices. Learn more about the differences between these options:
PPO
PPO plans allow members more flexibility than an HMO to see specialists. Members can choose a primary care physician (PCP).
HMO
Members in HMO plans choose a primary care physician (PCP) who coordinates the patient's care. To see specialists, members need a referral from their PCP.
Network Offerings
Our plan offerings leverage different networks of providers in order to create plan options that fit any small business budget*.
Learn more about small business plans available in your area.
PPO
2-50 Employees
The PPO network gives you flexible benefit design options at a price you can afford while giving your employees a wide range of benefits and the freedom to visit any doctor they choose, with benefits paid at a higher level when the doctor is within the network.
Medical Group
Selection Required
No
Out-of-Network
Coverage
Yes
Blue OptionsSM
2-50 Employees
Blue Options helps you control your care and expenses with lower out-of-pocket costs for in-network doctors and hospitals, and the choice to use providers in the larger PPO network at a higher cost.
Coverage
Tier 1 - Statewide
Tier 2 - Statewide
Medical Group
Selection Required
No
Out-of-Network
Coverage
Yes
Blue Choice
Preferred PPOSM
2-50 Employees
Blue Choice Preferred PPO is a comprehensive PPO network of doctors and hospitals with higher monthly premium and often lower out-of-pocket costs.
Medical Group
Selection Required
No
Out-of-Network
Coverage
Yes
Blue Precision HMOSM
2-50 Employees
BCBSIL Blue Precision HMO is a smart network that covers 100% of employee health care costs so your employees will only need to cover copays for medical services in most cases.
Coverage
Chicago, Peoria,
and partial
Rockford rating
areas
Medical Group
Selection Required
Yes
Out-of-Network
Coverage
No
*Metallic-level availability varies by plan and network.
Essential Health Coverage For Your Employees
All of BCBSIL's small business health plan options include comprehensive coverage under the Affordable Care Act 
(ACA), including:
- Ambulatory patient services
- Emergency services
- Hospitalization
- Prescription drugs
- Maternity and newborn care
- Mental health and substance use disorder services, including behavioral health treatment
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including dental and vision
More Access to Health Care
Blue Cross and Blue Shield of Illinois plans give you and your employees more access to care with in-network Telehealth visits at the same cost as an in-office visit.
Health Savings Account (HSA) Plans
Select an HSA plan for you and your employees that features $0 copay for some preventive drugs. HSA plans help employees stick to their treatment regimen and better manage their health conditions.
Dental Insurance Plans
Our small business dental plans include a wide network of providers to help you and your employees receive the right care.1
Contributory dental plans include minimum contribution requirements from employers.
Voluntary dental plans do not include minimum contribution requirements from employers.
Healthier Employees. Healthier Business.
Ready to see your options?
or
Get in Touch by Phone
833-923-1784
Source: https://www.bcbsilcommunications.com/shopsmallbusiness/plan_options.html
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