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Consumer Reports Article 04/06/2009
"7 Signs A Health Plan Might Be Junk"

Beware Of Discount  "Health Plans"

Tips for finding Health Insurance when you've lost your job.

Guaranteed Issue Defined Benefit Health Insurance: Lots of Limitations!

Fed Allows 65% Cobra Premium Reduction For 9 Months! What Do You Do After the "Cobra Stimulus" Ends?

New Illinois Dependant Eligibility Law Extends coverage to your dependant child up to age 26 (or 30). They no longer need to be attending college.

Ten Questions To Ask Your Agent BEFORE You Buy Health Insurance

What The Heck Is Consumer Driven Health Insurance? Can It Really Save You Money AND Lower Your Taxes?

If You Purchased Health Insurance From Mega Life & Health or Midwest National Life Through The National Association For The Self Employed (NASE) You Need To Know The Truth!
 

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 Blue Cross & Blue Shield of Illinois Small Group & Individual Health Insurance Plans

 Today 1 American in 4 carries a Blue Cross and Blue Shield membership card. In fact, over 4 million residents across IL Carry the  Caring Card because they trust Blue Cross and Blue Shield of Illinois to give them more health  care  value for their  premium  dollar. Blue Cross and Blue Shield of Illinois (www.bcbsil.com) has been serving the  health  insurance needs of Illinois  residents  since 1937.

 In November 2007, Health Care Service Corporation (www.hcsc.com) the Parent company of Blue Cross and Blue  Shield was  awarded a Financial Size Category rating of XV ($2 Billion or Greater) by A.M. Best  Insurance Rating  Service. 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 awarded Blue Cross Blue Shield of Illinois an “A+” (Superior) insurance  rating.

 As a member of Blue Cross and Blue Shield of Illinois, you'll have access to a program called Blue Card P.P.O. This is a nationwide network of providers that allows you to receive benefits for covered services when you travel. Simply  present your Blue Cross and Blue Shield of Illinois ID card to a participating Blue Card PPO provider wherever you are.

With Blue Cross and Blue Shield of Illinois your claims are handled for you. In most cases, all you have to do is show your Blue Cross and Blue Shield ID card at a doctor's office or hospital, and your claim will be filed for you. Blue  Cross and Blue Shield wants you to concentrate on regaining your health, not worrying about hospital and doctor bills.

Blue Cross and Blue Shield of Illinois offers 217 Traditional P.P.O. Small Group Health Insurance Plans to choose from and 28 H.S.A. Qualified High Deductible Small Group Health Insurance plans. The names and numbers as well as the descriptions of each of these plans are listed below. Just click on each hyperlink below and the plan brochure will  open in Adobe PDF format.

Please “Contact Us” with your information and we will be happy to quote your small group with any of the Blue  Cross Small Group Health Insurance Policies.

BluePrint PPO 100/80 Coinsurance with $10 Copay
$0 Deductible with $0 OPX (Plan BPP11112, BPP11113, BPP11116) 
200K
20234
01/08
$250 Deductible with $0 OPX (Plan BPP41112, BPP41113, BPP41116) 
201K
20242
01/08
$500 Deductible with $0 OPX (Plan BPP71112, BPP71113, BPP71116) 
200K
20256
01/08
BluePrint PPO 100/80 Coinsurance with $20 Copay
$0 Deductible with $0 OPX (Plan BPP11122, BPP11123, BPP11126) 
200K
20235
01/08
$250 Deductible with $0 OPX (Plan BPP41122, BPP41123, BPP41126) 
201K
20243
01/08
$500 Deductible with $0 OPX (Plan BPP71122, BPP71123, BPP71126) 
201K
20257
01/08
 
BluePrint PPO 90/70 Coinsurance with $10 Copay
$0 Deductible with $500 OPX (Plan BPP12212, BPP12213, BPP12216) 
202K
20236
01/08
$0 Deductible with $1,000 OPX (Plan BPP12312, BPP12313, BPP12316) 
202K
20238
01/08
$250 Deductible with $500 OPX (Plan BPP42212, BPP42213, BPP42216) 
202K
20244
01/08
$250 Deductible with $1,000 OPX (Plan BPP42312, BPP42313, BPP42316) 
202K
20246
01/08
$250 Deductible with $2,000 OPX (Plan BPP42412, BPP42413, BPP42416) 
202K
20248
01/08
$500 Deductible with $500 OPX (Plan BPP72212, BPP72213, BPP72216) 
202K
20258
01/08
$500 Deductible with $1,000 OPX (Plan BPP72312, BPP72313, BPP72316) 
202K
20260
01/08
$500 Deductible with $2,000 OPX (BPP72412, BPP72413, BPP72416) 
202K
20262
01/08
$1,000 Deductible with $500 OPX (Plan BPP82212, BPP82213, BPP82216) 
202K
20270
01/08
$1,000 Deductible with $1,000 OPX (Plan BPP82312, BPP82313, BPP82316) 
202K
20272
01/08
$1,000 Deductible with $2,000 OPX (Plan BPP82412, BPP82413, BPP82416) 
202K
20274
01/08
$1,500 Deductible with $1,000 OPX (Plan BPP92312, BPP92313, BPP92316) 
202K
20282
01/08
$1,500 Deductible with $2,000 OPX (Plan BPP92412, BPP92413, BPP92416) 
202K
20284
01/08
$2,500 Deductible with $1,000 OPX (Plan BPPC2312, BPPC2313, BPPC2316) 
202K
20292
01/08
$2,500 Deductible with $2,000 OPX (Plan BPPC2412, BPPC2413, BPPC2416) 
202K
20294
01/08
$3,500 Deductible with $2,000 OPX (Plans BPPE2412, BPPE2413, BPPE2416) 
43K
21455
04/08
$3,500 Deductible with $1,000 OPX (Plan BPPE2312, BPPE2313, BPPE2316) 
43K
21453
04/08
 
BluePrint PPO 90/70 Coinsurance with $20 Copay
$0 Deductible with $500 OPX (Plan BPP12222, BPP12223, BPP12226) 
202K
20237
01/08
$0 Deductible with $1,000 OPX (Plan BPP12322, BPP12323, BPP12326) 
202K
20239
01/08
$250 Deductible with $500 OPX (Plan BPP42222, BPP42223, BPP42226) 
202K
20245
01/08
$250 Deductible with $1,000 OPX (Plan BPP42322, BPP42323, BPP42326) 
202K
20247
01/08
$250 Deductible with $2,000 OPX (Plan BPP42422, BPP42423, BPP42426) 
202K
20249
01/08
$500 Deductible with $500 OPX (Plan BPP72222, BPP72223, BPP72226) 
202K
20259
01/08
$500 Deductible with $1,000 OPX (Plan BPP72322, BPP72323, BPP72326) 
202K
20261
01/08
$500 Deductible with $2,000 OPX (Plan BPP72422, BPP72423, BPP72426) 
202K
20263
01/08
$1,000 Deductible with $500 OPX (Plan BPP82222, BPP82223, BPP82226) 
202K
20271
01/08
$1,000 Deductible with $1,000 OPX (Plan BPP82322, BPP82323, BPP82326) 
202K
20273
01/08
$1,000 Deductible with $2,000 OPX (Plan BPP82422, BPP82423, BPP82426) 
202K
20275
01/08
$1,500 Deductible with $1,000 OPX (Plan BPP92322, BPP92323, BPP92326) 
202K
20283
01/08
$1,500 Deductible with $2,000 OPX (Plan BPP92422, BPP92423, BPP92426) 
202K
20285
01/08
$2,500 Deductible with $1,000 OPX (Plan BPPC2322, BPPC2323, BPPC2326) 
202K
20293
01/08
$2,500 Deductible with $2,000 OPX (Plan BPPC2422, BPPC2423, BPPC2426) 
202K
20295
01/08
$3,500 Deductible with $2,000 OPX (Plans BPPE2422, BPPE2423, BPPE2426) 
43K
21456
04/08
$3,500 Deductible with $1,000 OPX (Plan BPPE2322, BPPE2323, BPPE2326) 
43K
21454
04/08
 
BluePrint PPO 80/60 Coinsurance with $20 Copay
$250 Deductible with $1,000 OPX (Plan BPP43322, BPP43323, BPP43324, BPP43326) 
52K
20250
01/08
$250 Deductible with $2,000 OPX (Plan BPP43422, BPP43423, BPP43424, BPP43336) 
52K
20252
01/08
$250 Deductible with $3,000 OPX (Plan BPP43522, BPP43523, BPP43524, BPP43526) 
52K
20254
01/08
$500 Deductible with $1,000 OPX (Plan BPP73322, BPP73323, BPP73324, BPP73326) 
52K
20264
01/08
$500 Deductible with $2,000 OPX (Plan BPP73422, BPP73423, BPP73424, BPP73426) 
52K
20266
01/08
$500 Deductible with $3,000 OPX (Plan BPP73522, BPP73523, BPP73524, BPP73526) 
52K
20268
01/08
$1,000 Deductible with $1,000 OPX (Plan BPP83322, BPP83323, BPP83324, BPP83326) 
52K
20276
01/08
$1,000 Deductible with $2,000 OPX (Plan BPP83422, BPP83423, BPP83424, BPP83426) 
52K
20278
01/08
$1,000 Deductible with $3,000 OPX (Plan BPP83522, BPP83523, BPP83524, BPP83526) 
52K
20280
01/08
$1,500 Deductible with $1,000 OPX (Plan BPP93322, BPP93323, BPP93324, BPP93326) 
52K
20286
01/08
$1,500 Deductible with $2,000 OPX (Plan BPP93422, BPP93423, BPP93424, BPP93426) 
52K
20288
01/08
$1,500 Deductible with $3,000 OPX (Plan BPP93522, BPP93523, BPP93524, BPP93526) 
52K
20290
01/08
$2,500 Deductible with $1,000 OPX (Plan BPPC3322, BPPC3323, BPPC3324, BPPC3326) 
52K
20296
01/08
$2,500 Deductible with $2,000 OPX (Plan BPPC3422, BPPC3423, BPPC3424, BPPC3426) 
52K
20298
01/08
$2,500 Deductible with $3,000 OPX (Plan BPPC3522, BPPC3523, BPPC3524, BPPC3526) 
52K
20300
01/08
$3,500 Deductible with $3,000 OPX (Plans BPPE3522 BPPE3523, BPPEE3526) 
43K
21461
04/08
$3,500 Deductible with $2,000 OPX (Plans BPPE3422, BPPE3423, BPPE3426) 
43K
21459
04/08
$3,500 Deductible with $1,000 OPX (Plan BPPE3322, BPPE3323, BPPE3326) 
43K
21457
04/08
 
BluePrint PPO 80/60 Coinsurance with $30 Copay
$250 Deductible with $1,000 OPX (Plan BPP43332, BPP43333, BPP43334, BPP43336) 
52K
20251
01/08
$250 Deductible with $2,000 OPX (Plan BPP43432, BPP43433, BPP43434, BPP43436) 
52K
20253
01/08
$250 Deductible with $3,000 OPX (Plan BPP43532, BPP43533, BPP43534, BPP43536) 
52K
20255
01/08
$500 Deductible with $1,000 OPX (Plan BPP73332, BPP73333, BPP73334, BPP73336) 
52K
20265
01/08
$500 Deductible with $2,000 OPX (Plan BPP73432, BPP73433, BPP73434, BPP73436) 
52K
20267
01/08
$500 Deductible with $3,000 OPX (Plan BPP73532, BPP73533, BPP73534, BPP73536) 
52K
20269
01/08
$1,000 Deductible with $1,000 OPX (Plan BPP83332, BPP83333, BPP83334, BPP83336) 
52K
20277
01/08
$1,000 Deductible with $2,000 OPX (Plan BPP83432, BPP83433, BPP83434, BPP83436) 
52K
20279
01/08
$1,000 Deductible with $3,000 OPX (Plan BPP83532, BPP83533, BPP83534, BPP83536) 
52K
20281
01/08
$1,500 Deductible with $1,000 OPX (Plan BPP93332, BPP93333, BPP93334, BPP93336) 
52K
20287
01/08
$1,500 Deductible with $2,000 OPX (Plan BPP93432, BPP93433, BPP93434, BPP93436) 
52K
20289
01/08
$1,500 Deductible with $3,000 OPX (BPP93532, BPP93533, BPP93534, BPP93536) 
52K
20291
01/08
$2,500 Deductible with $1,000 OPX (Plan BPPC3332, BPPC3333, BPPC3334, BPPC3336) 
52K
20297
01/08
$2,500 Deductible with $2,000 OPX (Plan BPPC3432, BPPC3433, BPPC3434, BPPC3436) 
52K
20299
01/08
$2,500 Deductible with $3,000 OPX (Plan BPPC3532, BPPC3533, BPPC3534, BPPC3536) 
52K
20301
01/08
$3,500 Deductible with $3,000 OPX (Plans BPPE3532 BPPE3533, BPPEE3536) 
43K
21462
04/08
$3,500 Deductible with $2,000 OPX (Plans BPPE3432, BPPE3433, BPPE3436) 
43K
21460
04/08
$3,500 Deductible with $1,000 OPX (Plan BPPE3332, BPPE3333, BPPE3336) 
43K
21458
04/08
 
BluePrint PPO Value Choice
$2,500 Deductible with $2,500 OPX (Plan BPVC3705) 
208K
20302
01/08
$5,000 Deductible with $5,000 OPX (Plan BPVH3805) 
207K
20303
01/08
$3,500 Deductible with $3,500 OPX (Plan PPVE3905) 
43K
21448
04/08
Prescription Drug Employee
$10/$20/$35 
32K
20333
09/08
$15/$30/$50 
32K
20334
09/08
$15/35%/50% 
32K
20335
09/08
$10/$40/$60 
32K
21173
09/08
 

Blue Advantage Entrepreneur (BAE) PPO 100/80 Coinsurance with $10 Copay

BAE $0 Deductible with $0 OPX (Plans E2TP102, E2TP103, E2P11114, E2P11116)
209K
20305
01/10
BAE $250 Deductible with $0 OPX (Plans E2TP108, E2TP109, E2P41114, E2P41116)
209K
20306
01/10
BAE $500 Deductible with $0 OPX (Plans E2TP111, E2TP112, E2P71114, E2P71116)
209K
20307
01/10
Blue Advantage Entrepreneur (BAE) PPO 90/70 Coinsurance with $10 Copay
BAE $0 Deductible with $1,000 OPX Plans E2P12312, E2P12313, E2P12314, E2P12316)
209K
20308
01/10
BAE $250 Deductible with $1,000 OPX Plans E2P42312, E2P42313, E2P42314, E2P42316)
197K
20309
01/10
BAE $500 Deductible with $1,000 OPX (Plans E2P72312, E2P72313, E2P72314, E2P72316)
BAE $1,000 Deductible with $1,000 OPX (Plans E2P82312, E2P82313, E2P82314, E2P82316)
BAE $1,500 Deductible with $2,000 OPX (Plans E2P92412, E2P92413, E2P92414, E2P92416)
BAE $2,500 Deductible with $2,000 OPX (Plans E2PC2412, E2PC2413, E2PC2414, E2PC2416)
BAE 3,500 Deductible with $2,000 OPX (Plans E2PE2412, E2PE2413, E2PE2414, E2PE2416)
209K
20310
01/10
BAE PPO 90/70 Coinsurance with $20 Copay
BAE $0 Deductible with $1,000 OPX (Plans E2P12322, E2P12323, E2P12324, E2P12326)
208K
20311
01/10
BAE $250 Deductible with $1,000 OPX (Plans E2P42322, E2P42323, E2P42324, E2P42326)
208K
20312
01/10
BAE $500 Deductible with $1,000 OPX (Plans E2P72322, E2P72323, E2P72324, E2P72326)
208K
20313
01/10
BAE $1,000 Deductible with $1,000 OPX (Plans E2P82322, E2P82323, E2P82324, E2P82326)
208K
20314
01/10
BAE $1,500 Deductible with $2,000 OPX (Plans E2P92422, E2P92423, E2P92424, E2P92426)
208K
20315
01/10
BAE $2,500 Deductible with $2,000 OPX (Plans E2PC2422, E2PC2423, E2PC2424, E2PC2426)
BAE $3,500 Deductible with $2,000 OPX (Plans E2PE2422, E2PE2423, E2PE2424, E2PE2426)
208K
20316
01/10
BAE PPO 80/60 Coinsurance with $20 Copay
BAE $250 Deductible with $2,000 OPX (Plans E2P43422, E2P43423, E2P43434, E2P43426)
BAE $500 Deductible with $1,000 OPX (Plans BAE PPO Plan 811 No longer available.)
208K
20317
01/10
BAE $500 Deductible with $2,000 OPX (Plans E2P73432, E2P73433, E2P73434, E2P73426) 
208K
20318
01/10
BAE $1,000 Deductible with $2,000 OPX (Plans E2P83422, E2P83423, E2P83434, E2P83426)
209K
20319
01/10
BAE $1,500 Deductible with $2,000 OPX (Plans E2P93422, E2P93423, E2P93434, E2P93426)
209K
20320
01/10
BAE $2,500 Deductible with $2,000 OPX (Plans E2PC3422, E2PC3423, E2PC3434, E2PC3426)
BAE $3,500 Deductible with $2,000 OPX (Plans E2PE3422, E2PE3423, E2PE3434, E2PE3426)
208K
20321
01/10
BAE PPO 80/60 Coinsurance with $30 Copay
BAE $250 Deductible with $2,000 OPX (Plans E2P43432, E2P43433, E2P43434, E2P43436)
207K
20322
01/10
BAE $500 Deductible with $2,000 OPX (Plans E2P73432, E2P73433, E2P73434, E2P73436)
207K
20323
01/10
BAE $1,000 Deductible with $2,000 OPX (Plans E2P83432, E2P83433, E2P83434, E2P83436)
207K
20324
01/07
BAE $1,500 Deductible with $2,000 OPX (Plans E2P93432, E2P93433, E2P93434, E2P93436)
207K
20325
01/10
BAE $2,500 Deductible with $2,000 OPX (Plans E2PC3432, E2PC3433, E2PC3434, E2PC3436)
BAE $3,500 Deductible with $2,000 OPX (Plans E2PE3432, E2PE3433, E2PE3434, E2PE3436)
207K
20326
01/10
BlueChoice Select 90/60 Coinsurance with $20 Copay
$250 Deductible with $1,000 OPX (Plans BCS42322, BCS42323, BCS42324, BCS42326)
43K
20202
04/07
$500 Deductible with $1,000 OPX (Plans BCS72322, BCS72323, BCS72324, BCS72326)
43K
20205
04/07
$1,000 Deductible with $1,000 OPX (Plans BCS82322, BCS82323, BCS82324, BCS82326)
43K
20208
04/07
$1,500 Deductible with $1,000 OPX (Plans BCS92322, BCS92323, BCS92324, BCS92326)
43K
20211
04/07
$2,500 Deductible with $1,000 OPX (Plans BCSC2322, BCSC2323, BCSC2324, BCSC2326)
43K
20214
04/07
BlueChoice Select 80/50 Coinsurance with $30 Copay
$250 Deductible with $2,000 OPX (Plans BCS43432, BCS43433, BCS43434, BCS43436)
43K
20187
04/07
$500 Deductible with $2,000 OPX (Plans BCS73432, BCS73433, BCS73434, BCS73436)
43K
20190
04/07
$1,000 Deductible with $2,000 OPX (Plans BCS83432, BCS83433, BCS83434, BCS83436)
43K
20193
04/07
$1,500 Deductible with $2,000 OPX (Plans BCS93432, BCS93433, BCS93434, BCS93436)
43K
20196
04/07
$2,500 Deductible with $2,000 OPX (Plans BCSC3432, BCSC3433, BCSC3434, BCSC3436)
43K
20199
04/07
 
 
PPO Value Choice PPO Plans
$2,500 Deductible with $2,500 OPX (Plan E2VC3705, BPVC3705)
86K
20302
01/08
$3,500 Deductible with $3,500 OPX (Plans E2VE3905, PPVE3905)
$5,000 Deductible with $10,000 OPX (Plan E2VH3805, BPVH3805)
86K
20303
01/08
 
BlueEdge Select HSA 100/70 Coinsurance
$1,100 Deductible with $2,000 OPX (Plan ECAJ1405 and BCAJ1405)
86K
20702
04/07
$1,500 Deductible with $3,000 OPX (Plan ECA91505, BCA91505)
86K
20703
04/07
$2,500 Deductible with $5,000 OPX (Plan ECAC1807, BCAC1807)
86K
20704
10/07
$2,500/$10,000 Embedded Deductible with $5,000 OPX (Plan ECAC1807)
86K
21145
09/07
BlueEdge Select HSA 80/50 Coinsurance
$1,100 Deductible with $2,000 OPX (Plan ECAJ3405 and BCAJ3405)
86K
20705
04/07
$1,500 Deductible with $3,000 OPX (Plan ECA93505, BCA93505)
86K
20706
04/07
$2,500 Deductible with $5,000 OPX (Plan ECAC3805, BCAC3805)
$2,500/5,000 Embedded Deductible with $5,000 OPX (ECEC1807, BCEC1807)
$2,500/$10,000 Embedded Deductible with $5,000 OPX (Plan ECEC3805
86K
20707
01/10


Blue Advantage Small Group HMO Plans


$15/35%/50% Rx copay (Plan E2THB013)

$15/35%/50% Rx copay (Plan E2THB014)

$10/$40/$60 Rx copay (Plan E2THB016)

$10/$20/$35 Rx copay (Plan HMO B101)

$15/35%/50% Rx copay (Plan E2THB103)

$15/35%/50% Rx copay (Plan E2THB104)

$10/$40/$60 Rx copay (Plan E2THB106)

$15/35%/50% Rx copay (Plan E2THB133)

$15/35%/50% Rx copay (Plan E2THB134)

$10/$40/$60 Rx copay (Plan E2THB136)

$15/35%/50% Rx copay (Plan E2THB163)

$15/35%/50% Rx copay (Plan E2THB164)

$10/$40/$60 Rx copay (Plan E2THB166)

$15/35%/50% Rx copay (Plan E2THB193)

$15/35%/50% Rx copay (Plan E2THB194)

$10/$40/$60 Rx copay (Plan E2THB196)

BlueCare Small Group Dental Freedom PPO Plans

$1,500 Annual Max with $1,500 Ortho (Plan DHUF04)
 
$1,000 Annual Max with $1,000 Ortho (Plan DHSF10)

$1,000 Annual Max with $1,000 Ortho (Plan DLSF11)

$1,000 Annual Max with $0 Ortho (Plan DLUF16)

$750 Annual Max with $0 Ortho (Plan DLUF18)

$1,000 Annual Max with $0 Ortho (Plan DLSF20)

BlueCare Small Group Dental Choice PPO Plans

$1,250 Annual Max with $1,000 Ortho (Plan DHUC04)

$1,250 Annual Max with $0 Ortho (Plan DHSC09)

$1,000 Annual Max with $0 Ortho (Plan DLUC08)

$1,000 Annual Max with $0 Ortho (Plan DLSC10)

Blue Cross Small Group HMO Dental Plans

HMO Plan 730

HMO Plan 710

BLUE CROSS BLUE SHIELD OF IL. INDIVIDUAL HEALTH INSURANCE PLANS

PLEASE NOTE: Blue Cross Individual Health Insurance plans do not cover any pre-existing conditions regardless of how minor, for an entire year of policy ownership. The majority of other quality Individual Health Insurance plans will cover controlled pre-existing conditions such as Hypertension (blood pressure) and Hyperliplidima (cholesterol) from the first day of policy ownership. This being the case, we will not act as Broker of record if you choose any of the Blue Cross Individual Health Insurance plans with a pre-existing condition present.

PLEASE NOTE: Blue Cross Individual Health Insurance plans with calendar year deductibles of $1,000 or higher do not cover any outpatient medications until you have satisfied the entire calendar year health plan deductible. The majority of other quality Individual Health Insurance plans will still provide "first dollar" coverage (no deductible required) for outpatient medications regardless of the size of your calendar year health plan deductible. This being the case, we can not recommend
the Blue Cross Individual Health Insurance plans if you need "first dollar" coverage for outpatient medications.
 


 

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