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T
he last date to purchase individual, renewable health insurance during the first open enrollment period in 2014 was March 31st. If you missed the first open enrollment period and do not qualify for a special enrollment period, you can still stay insured between open enrollment periods by purchasing non renewable, short-term health insurance from Blue Cross Blue Shield of Illinois. BCBSIL offers affordable, quality short-term health insurance plans that can keep you covered until the next open enrollment period which begins on November 15, 2014 with effective dates starting January 1, 2015. Whether you have experienced a 'qualifying life event' and qualify for a 'special enrollment period, or you wish to shop for temporary health insurance click the logo below to compare BCBSIL plans and find the right health insurance plan for you and your family.

Determining your subsidy

Depending on what your 2014 total household MAGI - Modified Adjusted Gross Income - will be you may qualify for a significant APTC - Advance Premium Tax Credit (federal subsidy) under the new health care law to lower your premiums. If you do not qualify for special enrollment period. The next date to apply is November 15, 2014 when Medal renewable health plans are available again for sale during the next open enrollment period.

If your 2014 total household MAGI - Modified Adjust Gross Income - will be lower than: 

$46,680 for an individual
$62,920 for a couple
$79,160
for a family of three
$95,400 for a family of four
$111,640 for a family of five
$127,880 for a family of six
$144,120 for a family of seven
$160,360 for a family of eight


you will be better off financially by buying a new health insurance plan 
inside the health insurance exchange implemented by the PPACA - "Patient Protection & Affordable Care Act" - otherwise known as "Obamacare". By doing so, you will qualify for an APTX - Advance Premium Tax Credit (federal subsidy) to reduce the cost of either the Bronze, Silver, Gold or Platinum health insurance plans offered inside the health insurance exchange.

About Blue Cross Blue Shield of Illinois

BCBSIL has been serving the health insurance needs of Illinois residents since 1937. In November 2007, Health Care Service Corporation the Parent company of Blue Cross Blue Shield of Illinois was awarded a Financial Size Category rating of XV $2 Billion or Greater by A.M. Best. This rating makes Blue Cross Blue Shield of Illinois one of the largest and most financially secure insurance companies in the state. A.M. Best, has also rated Blue Cross Blue Shield of Illinois “A+” Superior.

Those with 2013 Individual health plans that renew in 2014 now qualify for a “Special Enrollment” period.

The new May 2, 2014 bulletin also allows those who purchased 2013 plan from the ‘old market’ to qualify for a ‘special enrollment’ period if their 2013 plan renews in 2014. The applicants can apply for a QHP up to 60 days before their plans terminate and they may also apply up to 60 days after their plan’s renewal date. In this April 8, 2014 article I noted that before this new bulletin Assurant Health was the only carrier that was offering a QHP to those with plans from the ‘old market’ outside of ‘open enrollment’ periods. With this new May 2, 2014 bulletin all carriers will eventually need to comply. As of the date of this writing Blue Cross Blue Shield of Illinois had not stated when they will comply. If and when they do I will add their statement to this post.

New options for those with Americorps, VISTA or National Civilian Community Corps

This new bulletin also creates a third new ‘special enrollment’ period when members of these programs begin their service and when their service ends. Since members of these programs are often times under-insured on plans that do not contain “minimum essential health benefits” this bulletin grants a hardship exemption from the ‘individual responsibility’ TAX for non compliance. That per person TAX in 2014 is either $95 or 1% of your MAGI – Modified Adjusted Gross Income.

Click below to view the outline of coverage for the BCBSIL "Select Temp PPO" temporary plan.

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You will owe a non compliance fine (TAX) to the IRS for buying temporary insurance

You must also understand that you will be subject to a 1% of your MAGI 'fine' (TAX) for purchasing temporary health insurance since these plans do not include the "essential health benefits" under Obamacare such as Maternity for 62 year old women and single men, drug rehab coverage for those who do not own a crack pipe and pediatric dental for those without children. As such temporary policies are not considered 'qualified health plans'. Rest assured though, if you are self employed and do not over pay your taxes you will never pay that 'fine' (TAX) for the only recourse the IRS has to collect that fine is to hold your tax refund. All criminal penalties for non compliance were removed from the health care law prior to passage.

Are your preferred doctors and hospitals in the BCBSIL PPO or HMO networks?

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Dental insurance coverage from Blue Cross Blue Shield of Illinois

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Prescription drug coverage from Blue Cross Blue Shield of Illinois

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Preventive care coverage from Blue Cross Blue Shield of Illinois

Outlines of coverage for BCBSIL Medal individual health insurance plans available again for sale on November 15, 2014 for January 1, 2015 effective dates.

To view a sample policy for the Blue Choice PPO plans click here

To view a sample policy for the Blue PPO plans click here

To view a sample policy for the Blue HMO plans click here

Blue Choice Silver PPO 003

Off the Exchange
Blue Choice Silver PPO 003 - ($6000 / $6000)

Blue Choice Silver PPO 004

Off the Exchange
Blue Choice Silver PPO 004 - ($3000 / $6350)

 

On the Exchange

 

On the Exchange

Blue Choice Silver PPO 003 – Base Plan ($6000/$6000) pdf Blue Choice Silver PPO 004 – Base Plan ($3000/$6350) pdf
Blue Choice Silver PPO 003 – American Indian Zero ($0/$0) pdf Blue Choice Silver PPO 004 – American Indian Zero ($0/$0) pdf
Blue Choice Silver PPO 003 – American Indian Limited ($6000/$6000) pdf Blue Choice Silver PPO 004 – American Indian Limited ($3000/$6350) pdf
Blue Choice Silver PPO 003 - Cost-Sharing Reduction ($5000/$5000) pdf Blue Choice Silver PPO 004 - Cost-Sharing Reduction ($2500/$5200) pdf
Blue Choice Silver PPO 003 - Cost-Sharing Reduction ($1500/$1500) pdf Blue Choice Silver PPO 004 - Cost-Sharing Reduction ($500/$1500)pdf
Blue Choice Silver PPO 003 - Cost-Sharing Reduction ($500/$500) pdf Blue Choice Silver PPO 004 - Cost-Sharing Reduction ($0/$500) pdf
 
Blue PPO Silver 003 Blue PPO Silver 004

Off the Exchange

Blue PPO Silver 003 - ($6000 / $6000) pdf
 

On the Exchange


Off the Exchange
Blue PPO Silver 004 - ($3000 / $6350) pdf


On the Exchange

Blue PPO Silver 003 – Base Plan ($6000/$6000) pdf Blue PPO Silver 004 – Base Plan ($3000/$6350) pdf
Blue PPO Silver 003 – American Indian Zero ($0/$0) pdf Blue PPO Silver 004 – American Indian Zero ($0/$0) pdf
Blue PPO Silver 003 – American Indian Limited ($6000/$6000) pdf Blue PPO Silver 004 – American Indian Limited ($3000/$6350) pdf
Blue PPO Silver 003 - Cost-Sharing Reduction ($5000/$5000) pdf Blue PPO Silver 004 - Cost-Sharing Reduction ($2500/$5200) pdf
Blue PPO Silver 003 - Cost-Sharing Reduction ($1500/$1500) pdf Blue PPO Silver 004 - Cost-Sharing Reduction ($500/$1500) pdf
Blue PPO Silver 003 - Cost-Sharing Reduction ($500/$500) pdf Blue PPO Silver 004 - Cost-Sharing Reduction ($0/$500) pdf


Multi State Programs

Blue Cross Blue Shield Solution 3 Blue Cross Blue Shield Solution 4
On the Exchange On the Exchange
BCBS Solution 3, a Multi-State Plan - Base Plan - ($4500/$6350) pdf BCBS Solution 4, a Multi-State Plan - Base Plan - ($6250/$6250) pdf
BCBS Solution 3, a Multi-State Plan - American Indian Zero - ($0/$0) pdf BCBS Solution 4, a Multi-State Plan - American Indian Zero - ($0/$0) pdf
BCBS Solution 3, a Multi-State Plan - American Indian Limited - ($4500/$6350) pdf BCBS Solution 4, a Multi-State Plan - American Indian Limited - ($6250/$6250) pdf
BCBS Solution 3, a Multi-State Plan - Cost-Sharing Reduction - ($3000/$5200) pdf BCBS Solution 4, a Multi-State Plan - Cost-Sharing Reduction - ($5000/$5000) pdf
BCBS Solution 3, a Multi-State Plan - Cost-Sharing Reduction - ($250/$2000) pdf BCBS Solution 4, a Multi-State Plan - Cost-Sharing Reduction - ($1500/$1500) pdf


BCBS Solution 3, a Multi-State Plan - Cost-Sharing Reduction - ($0/$500) pdf
BCBS Solution 4, a Multi-State Plan - Cost-Sharing Reduction - ($500/$500) pdf

BCBS Basic SM 5, a Multi-State Plan

Blue Precision Silver HMO 002

 
On the Exchange  
Blue Precision Silver HMO 002 – Base Plan ($5000/$6350) pdf  
Blue Precision Silver HMO 002 – American Indian Zero ($0/$0) pdf  
Blue Precision Silver HMO 002 – American Indian Limited ($5000/$6350)pdf  
Blue Precision Silver HMO 002 - Cost-Sharing Reduction ($4000/$5200)pdf  
Blue Precision Silver HMO 002 - Cost-Sharing Reduction ($500/$1250) pdf  
Blue Precision Silver HMO 002 - Cost-Sharing Reduction ($0/$500) pdf  
Off the Exchange
Blue Precision Silver HMO 002 - ($5000 / $6350) pdf

Blue Choice Gold PPO 001
 
Blue Choice Gold PPO 002
 
Off the Exchange
Blue Choice Gold PPO 001 – ($3250 / $3250) pdf

On the Exchange
Off the Exchange
Blue Choice Gold PPO 002 – ($1500 / $3500) pdf

On the Exchange
Blue Choice Gold PPO 001 – Base Plan ($3250/$3250) pdf Blue Choice Gold PPO 002 – Base Plan ($1500/$3500) pdf
Blue Choice Gold PPO 001 – American Indian Zero ($0/$0) pdf Blue Choice Gold PPO 002 – American Indian Zero ($0/$0) pdf
Blue Choice Gold PPO 001 – American Indian Limited ($3250/$3250) pdf Blue Choice Gold PPO 002 – American Indian Limited ($1500/$3500) pdf

Blue Choice Gold PPO 007
 
Off the Exchange  
Blue Choice Gold PPO 007 – ($1000 / $3000) pdf
Blue PPO Gold 001 – Base Plan ($3250/$3250) pdf Blue PPO Gold 002 – Base Plan ($1500/$3500) pdf
Blue PPO Gold 001 – American Indian Zero ($0/$0) pdf Blue PPO Gold 002 – American Indian Zero ($0/$0) pdf
Blue PPO Gold 001 – American Indian Limited ($3250/$3250) pdf Blue PPO Gold 002 – American Indian Limited ($1500/$3500) pdf
 
Off the Exchange Off the Exchange
Blue PPO Gold 001 – ($3250 / $3250) pdf Blue PPO Gold 002 – ($1500 / $3500) pdf
 
Blue PPO Gold 012  
Off the Exchange  
Blue PPO Gold 012 – ($1000 / $3000) pdf
 
Blue Precision Gold HMO 001  
On the Exchange  
Blue Precision Gold HMO 001 – Base Plan ($2000/$5000) pdf  
Blue Precision Gold HMO 001 – American Indian Zero ($0/$0) pdf  
Blue Precision Gold HMO 001 – American Indian Limited ($2000/$5000) pdf  
 
Off the Exchange  
Blue Precision Gold HMO 001 – ($2000 / $5000) pdf
 
Blue Cross Blue Shield Premier 1 Blue Cross Blue Shield Premier 2
BCBS Premier 1, a Multi-State Plan - Base Plan - ($1000/$2750) pdf BCBS Premier 2, a Multi-State Plan - Base Plan - ($500/$4000) pdf
BCBS Premier 1, a Multi-State Plan - American Indian Zero - ($0/$0) pdf BCBS Premier 2, a Multi-State Plan - American Indian Zero - ($0/$0) pdf
BCBS Premier 1, a Multi-State Plan - American Indian Limited - ($1000/$2750) pdf BCBS Premier 2, a Multi-State Plan - American Indian Limited - ($500/$4000) pdf

Blue Precision Platinum HMO 004

 
Off the Exchange  
Blue Precision Platinum HMO 004 - ($0 / $1500) pdf
 

Blue Choice Bronze PPO 005

Off the Exchange
Blue Choice Bronze PPO 005 - ($5000 / $6250) pdf

Blue Choice Bronze PPO 006

Off the Exchange
Blue Choice Bronze PPO 006 - ($6000 / $6000) pdf


On the Exchange

On the Exchange
Blue Choice Bronze PPO 005 – Base Plan ($5000/$6250) pdf Blue Choice Bronze PPO 006 – Base Plan ($6000/$6000) pdf
Blue Choice Bronze PPO 005 – American Indian Zero ($0/$0) pdf Blue Choice Bronze PPO 006 – American Indian Zero ($0/$0) pdf
Blue Choice Bronze PPO 005 – American Indian Limited ($5000/$6250) pdf Blue Choice Bronze PPO 006 – American Indian Limited ($6000/$6000) pdf
 
Blue Precision Bronze HMO 003

Off the Exchange
Blue Precision Bronze HMO 003 – Base Plan ($6000/$6250) pdf
Blue Precision Bronze HMO 003 – American Indian Zero ($0/$0) pdf
Blue Precision Bronze HMO 003 – American Indian Limited ($6000/$6250) pdf
 
Off the Exchange
Blue Precision Bronze HMO 003 - ($6000 / $6250) pdf

Multi State Plan Programs
Off the Exchange Off the Exchange
Blue PPO Bronze 005 – ($5000 / $6250) pdf Blue PPO Bronze 006 – ($6000 / $6000) pdf

Outlines of coverage for BCBSIL Medal group health insurance plans available for sale all year long.

Blue PPO Platinum Group Plans

Off the SHOP Exchange

P500PPO Blue PPO Platinum 019 - ($250 / $1250) pdf

B501PSN Blue Precision Platinum HMO 004 - ($0 / $1500)
 

 

Blue PPO Gold Group Plans

On the SHOP Exchange

G528PPO Blue PPO Gold 001 - Small Group ($3250 / $3250) pdf 

G529PPO Blue PPO Gold 002 - Small Group ($1500 / $3500) pdf

Off the SHOP Exchange

G509PPO Blue PPO Gold 001 - ($3250 / $3250) pdf 

G510PPO Blue PPO Gold 002 - ($1500 / $3500)
 pdf

G511PPO Blue PPO Gold 010 - ($1000 / $3000) pdf 

G512PPO Blue PPO Gold 011 - ($2500 / $3500) pdf

G513PPO Blue PPO Gold 012 - ($4000 / $4000) pdf 

G515PPO Blue PPO Gold 014 - ($500 / $5000) pdf

G516PPO Blue PPO Gold 015 - ($1000 / $4500) pdf 

G517PPO Blue PPO Gold 016 - ($1800 / $4000) pdf

Blue Choice Gold PPO Group Plans
 

On the SHOP Exchange

Blue Choice Gold PPO 001 - Small Group ($3250 / $3250) pdf 

Blue Choice Gold PPO 002 - Small Group ($1500 / $3500) pdf

Off the SHOP Exchange

Blue Choice Gold PPO 001 - ($3250 / $3250) pdf 

Blue Choice Gold PPO 002 - ($1500 / $3500) pdf

Blue Choice Gold PPO 007 - ($1000 / $3000) pdf

Blue Precision Gold HMO Group Plans

On the SHOP Exchange

Blue Precision Gold HMO 001 - Small Group ($2000 / $5000) pdf

Off the SHOP Exchange


Blue Precision Gold HMO 001 - ($2000 / $5000) pdf

 

Blue PPO Silver Group Plans

On the SHOP Exchange

S523PPO Blue PPO Silver 003 - Small Group ($6000 / $6000) pdf 

S524PPO Blue PPO Silver 004 - Small Group ($3000 / $6350) pdf 

S525PPO Blue PPO Silver 020 - Small Group ($2000 / $6350) pdf 

S526PPO Blue PPO Silver 021 - Small Group ($2000 / $6000) pdf

Off the SHOP Exchange

S502PPO Blue PPO Silver 003 - ($6000 / $6000) pdf 

S503PP Blue PPO Silver 004 - ($3000 / $6350) pdf 

S504PPO Blue PPO Silver 017 - ($3500 / $6250) pdf 

S505PPO Blue PPO Silver 018 - ($6250 / $6250) pdf

S506PPO Blue PPO Silver 020 - ($2000 / $6350) pdf 

S507PPO Blue PPO Silver 021 - ($2000 / $6000) pdf

Blue Choice PPO Silver Group Plans

On the SHOP Exchange

523CHC Blue Choice Silver PPO 003 - Small Group ($6000 / $6000) pdf 

524CHC Blue Choice Silver PPO 004 - Small Group ($3000 / $6350) pdf 

525CHC Blue Choice Silver PPO 008 - Small Group ($2000 / $6350) pdf 

526CHC Blue Choice Silver PPO 009 - Small Group ($2000 / $6000) pdf

Off the SHOP Exchange

502CHC Blue Choice Silver PPO 003 - ($6000 / $6000) pdf 

503CHC Blue Choice Silver PPO 004 - ($3000 / $6350) pdf 

506CHC Blue Choice Silver PPO 008 - ($2000 / $6350) pdf 

507CHC Blue Choice Silver PPO 009 - ($2000 / $6000) pdf
 

Blue Precision Silver HMO Plans

On the SHOP Exchange

S527PSN Blue Precision Silver HMO 002 - Small Group ($5000 / $6350) pdf

Off the SHOP Exchange

S508PSN Blue Precision Silver HMO 002 - ($5000 / $6350)

 

Blue PPO Bronze Plans

On the SHOP Exchange

B531PPO Blue PPO Bronze 005 - Small Group ($5000 / $6250)  

B523PPO Bronze 006 - Small Group ($6000 / $6000) 

Off the SHOP Exchange

B519PPO Blue PPO Bronze 005 - ($5000 / $6250)  

B520PPO Blue PPO Bronze 006 - ($6000 / $6000) 

Blue Choice PPO Bronze Plans

On the SHOP Exchange

B533CHC Blue Choice Bronze PPO 005 - Small Group ($5000 / $6250)  

B532CHC Blue Choice Bronze PPO 006 - Small Group ($6000 / $6000) 

Off the SHOP Exchange

B521CHC Blue Choice Bronze PPO 005 - ($5000 / $6250)  

B520CHC Blue Choice Bronze PPO 006 - ($6000 / $6000) 

Blue Precision Bronze HMO Bronze Plans

On the SHOP Exchange

P534PSN Blue Precision Bronze HMO 003 - Small Group ($6000 / $6250) 

Off the SHOP Exchange

P522PSN Blue Precision Bronze HMO 003 - ($6000 / $6250) 
 

Supplemental Accident coverage

Since many consumers are now purchasing the 2014 "Medal" health insurance plans with high deductibles it makes great sense to purchase a Supplemental Accident plan so that you receive a cash payment ($5,000, $7,500 or $10,000) each time any member of your family suffers from an accidental injury (cuts, breaks, sprains, bruises etc). This cash can payment can help you pay your health plan deductible. Since accidental injuries are far more likely to occur than major medical illnesses (most especially when you have active children) many families are choosing to purchase supplemental accident expense plans. Supplemental Accident Expense plans are also a great way to save money because you can choose a higher deductible than you would normally choose knowing you will not have to pay that deductible if an accidental injury occurs to any member of your family. Click the WBA "Learn More" button below to shop for Supplemental Accident coverage:

Supplemental Accident Expense plans can also be coupled with Critical Illness plans.

Critical Illness coverage

Approximately 1.2 MILLION people suffer heart attacks each year. Approximately 780,000 people suffer strokes each year. More than 1.4 MILLION new cancer cases were estimated for diagnosis in 2007 alone. Between 1994 and 2004, the death rate declined approximately 31% for heart attacks and almost 24% for strokes. (Source: American Heart Association, Heart and Stroke Statistical Update, 2008.) The possibility of surviving a Critical Illness before age 65 is almost twice as great as dying. (Source: National Center for Health Statistics.)

WOULDN’T A CHECK BE BETTER THAN A GET WELL CARD? Critical Illness benefits are paid directly to you. You choose how to spend the benefit at a time when you and your family may need extra cash the most. For example:

  • Home Health Care
  • Cost of Caregivers
  • Lost Income of Self or Spouse
  • Daily Living Expenses
  • Co Pays, Deductibles & Co-Insurance
  • Non -Covered "Experimental Treatments
  • Housekeeping or Child Care Expense
  • Maintenance of Your Family's Quality of Life

Colorado Bankers Life insurance company has partnered with Dearborn National to offer a Critical Illness plan that is extremely well priced. Adding this product to any health insurance plan would alleviate the worry of paying your health plan deductible if you or a family member were to develop a critical illnesses such as life threatening Cancer, Stroke, or Heart Attack.  For more information about this unique and affordable plan click the brochure below. If you have questions please contact us.


 

 
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