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Today 1 American in 4 carries a
Blue Cross Blue Shield membership card. In fact, over 4
million residents across IL Carry the Caring Card® because they trust
Blue Cross Blue Shield
of Illinois to give them more health care value for their premium
dollar.
Blue Cross 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 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) rating.
As a member of Blue Cross 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 Blue Shield of
Illinois your claims are handled for you. In most cases, all you have
to do is show your Blue Cross Blue Shield
ID card at a doctor's office or hospital, and your claim will be filed for you.
Blue Cross Blue Shield wants you to
concentrate on regaining your health, not worrying about hospital and doctor
bills.
Blue Cross Blue Shield of
Illinois
offers more than 200 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 the Blue
Cross Individual and Family Health Insurance plan options just below. Just click
on each hyperlink below and the plan brochure will open in Adobe PDF format.
For Free Quotes & To Apply Online for
Blue Cross Blue Shield of Illinois
Individual & Family Coverage Click Below:
B
LUE
CROSS BLUE SHIELD of ILLINOIS INDIVIDUAL
FAMILY PLAN BROCHURES
All Non Grandfathered
Blue Cross Blue Shield
plans now include the new mandates under the PPACA (Patient Protection & Affordable
Care Act) that went in to effect on September 23rd, 2010.
They are as follows:
No lifetime limits on overall plan benefits, and
no lifetime limit on the value of specific
"essential benefits."
Annual limits on essential benefits, only until
1/1/14.
Rescission only for fraud or intentional
misrepresentation of material facts.
(This was law before the PPACA).
Coverage of preventive health services and
immunizations without cost sharing. Including the
following
Covered
Preventive Services for Adults:
Abdominal Aortic Aneurysm one-time screening
for men of specified ages who have ever smoked
Alcohol Misuse screening and counseling
Aspirin use for men and women of certain
ages
Blood Pressure screening for all adults
Cholesterol screening for adults of certain
ages or at higher risk
Colorectal Cancer screening for adults over
50
Depression screening for adults
Type 2 Diabetes screening for adults with
high blood pressure
Diet counseling for adults at higher risk
for chronic disease
HIV screening for all adults at higher risk
Immunization vaccines for adults--doses,
recommended ages, and recommended populations
vary:
Hepatitis A
Hepatitis B
Herpes Zoster
Human Papillomavirus
Influenza
Measles, Mumps, Rubella
Meningococcal
Pneumococcal
Tetanus, Diphtheria, Pertussis
Varicella
Obesity screening and counseling for all
adults
Sexually Transmitted Infection (STI)
prevention counseling for adults at higher risk
Tobacco Use screening for all adults and
cessation interventions for tobacco users
Syphilis screening for all adults at higher
risk
Covered
Preventive Services for Women, Including Pregnant
Women:
Anemia screening on a routine basis for
pregnant women
Bacteriuria urinary tract or other infection
screening for pregnant women
BRCA counseling about genetic testing for
women at higher risk
Breast Cancer Mammography screenings every 1
to 2 years for women over 40
Breast Cancer Chemoprevention counseling for
women at higher risk
Breast Feeding interventions to support and
promote breast feeding
Cervical Cancer screening for sexually
active women
Chlamydia Infection screening for younger
women and other women at higher risk
Folic Acid supplements for women who may
become pregnant
Gonorrhea screening for all women at higher
risk
Hepatitis B screening for pregnant women at
their first prenatal visit
Osteoporosis screening for women over age 60
depending on risk factors
Rh Incompatibility screening for all
pregnant women and follow-up testing for women
at higher risk
Tobacco Use screening and interventions for
all women, and expanded counseling for pregnant
tobacco users
Syphilis screening for all pregnant women or
other women at increased risk
Covered
Preventive Services for Children:
Alcohol and Drug Use assessments for
adolescents
Autism screening for children at 18 and 24
months
Behavioral assessments for children of all
ages
Cervical Dysplasia screening for sexually
active females
Congenital Hypothyroidism screening for
newborns
Developmental screening for children under
age 3, and surveillance throughout childhood
Dyslipidemia screening for children at
higher risk of lipid disorders
Fluoride Chemoprevention supplements for
children without fluoride in their water source
Gonorrhea preventive medication for the eyes
of all newborns
Hearing screening for all newborns
Height, Weight and Body Mass Index
measurements for children
Hematocrit or Hemoglobin screening for
children
Hemoglobinopathies or sickle cell screening
for newborns
HIV screening for adolescents at higher risk
Immunization vaccines for children from
birth - age 18 doses, recommended ages, and
recommended populations vary:
Diphtheria, Tetanus, Pertussis
Haemophilus influenzae type b
Hepatitis A
Hepatitis B
Human Papillomavirus
Inactivated Poliovirus
Influenza
Measles, Mumps, Rubella
Meningococcal
Pneumococcal
Rotavirus
Varicella
Iron supplements for children ages 6 to 12
months at risk for anemia
Lead screening for children at risk of
exposure
Medical History for all children throughout
development
Obesity screening and counseling
Oral Health risk assessment for young
children
Phenylketonuria (PKU) screening for this
genetic disorder in newborns
Sexually Transmitted Infection (STI)
prevention counseling for adolescents at higher
risk
Tuberculin testing for children at higher
risk of tuberculosis
Vision screening for all children
Dependent coverage extended to adult children to
age 26.
Prohibition of pre-existing exclusions for
individuals under 19.
BLUE CROSS BLUE SHIELD OF ILLINOIS
SMALL GROUP HEALTH INSURANCE
If you are a Small Business owner with fewer than
25 full time employees with average annual wage of less than $50,000
you are now eligible for a tax credit of up to 35% if you pay for at
least 50% of your employee's health insurance. This being the case,
Small Group Health Insurance is now more affordable for some since
the passage of the PPACA (Patient Protection & Affordable Act).
Learn more:
http://www.irs.gov/newsroom/article/0,,id=223666,00.html
Are you dissatisfied with your current Blue Cross
Broker? If so, please consider switching Brokers to our
firm. We have more than 15 years experience in the Small
Group & Individual Health Insurance market. It's quick,
easy & free to change your Broker of Record.
Simply complete and sign this
"Broker of Record Request"
form and fax it back to our office toll free @ (866) 724
7123. We'll take it from there and notify you when we
officially become your new Broker. From that point
forward we will handle all of your employees questions
regarding plan design, problems with claims and any plan
changes (employee add ons or removals) that you require
throughout the course of each year. In essence we will
be your advocate. The best part? Our services are
provided at absolutely no cost to you.
If you would like formal quotes for Small Group Health
Insurance please complete our easy to use Small Group Health Insurance
online census form. We will then forward multiple
Small Group health insurance quotes from Blue Cross Blue Shield
for your review. Please be sure to include your email address.
Please
“Contact Us”with your information and we will be happy to quote your
small group with any of the Blue Cross Blue Shield
Small
Group Health Insurance Policies.
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. These plans pay you a cash benefit
of $2,500, $5,000, $7,500 or $10,000 when an accidental injury occurs.
This cash can then be used to pay your health insurance plan deductible.
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 that you will not have to pay that deductible if an
accidental injury occurs to any member of your family. Click below for
more information:
Supplemental Accident Expense plans can also be coupled with Critical
Illness plans. In fact, Supplemental Accident Expense plans are often
cheaper when coupled with Critical Illness plans. Why consider 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
American
General (www.AmericanGeneral.com) has introduced a new Supplement Accident Expense plan that
also includes Critical Illness coverage and it's extremely
well priced. Adding this product to any health insurance
plan would not only alleviate the worry of paying your
health plan deductible if you or a family member where to
suffer an accidental injury but it will also provide you a
much larger cash benefit (up to $25,000) if you or a family
member were to contract 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. For a
free quote, please
contact us and we will send
you quotes via email. Or call us toll free @ (866) 724 7123.
