Tax Advantage Accounts
Life Events FAQs
Defined Benefit Plans
Review your plan highlights on
http://www.bcbsil.com/foundations or within the
Plan Description, or Call BCBSIL at 1-877-224-9598.
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Blue Cross Blue Shield does have a 24/7 Nurseline. The
24/7 Nurseline can help when you or a family member has a health problem or concern. The 24/7 Nurseline is staffed by registered nurses who are available 24 hours a day, 7 days a week. The Nurseline phone number is 1-800-299-0274.
Yes - If you are outside the U.S. and need urgent or immediate care, call 800-810-BLUE (2583) or call collect to 804-673-1177. Most BlueCard Worldwide contracting hospitals will submit your claim, but if you need a claim form contact customer service at the number on your ID card or download the
BlueCard Worldwide medical claim form.
Review the Coordination of Benefits Section under the
The Consumer Choice 1 plan has a $1,650 annual deductible for employee coverage or $3,300 annual deductible for all other tiers. The Consumer Choice 2 plan has a $3,600 annual deductible for employee coverage or $7,200 annual deductible for all other tiers.
For both plans, one family member or a combination of family members can satisfy the family deductible and the full family deductible must be met before post-deductible benefits are paid.
You will not receive a Caremark ID card. Your prescription information is included on your BlueCross BlueShield of Illinois ID card.
Unless your physician indicates a prescription must be a brand drug (dispense as written), your prescription will be filled with a generic drug. If you wish to purchase a brand “Preferred/Non-Preferred” drug when a generic is available, you will pay the generic copay plus the difference between the costs, unless your physician substantiates “dispense as written” when issuing your brand prescription.
If your pharmacy is not able to fill your prescription, ask the pharmacy to call Caremark at 1-800-565-5827 to confirm coverage.
There is no coordination of benefit provision under the plan. You will pay the full co-insurance under the plan even if you have other insurance.
Other prescription discount cards cannot be applied toward the cost of a prescription under the plan. If you use a discount card, the amount paid will not be applied toward your medical deductible.
Your prescription costs are applied to your deductible. Contact BCBSIL to confirm your deductible amount.
Ask your dentist to submit a pre-treatment estimate to Delta Dental for specific plan coverage.
Print out a card on
Check with Delta Dental at 1-800-234-3375 or talk to your dental provider.
If you visit a non-participating dentist, you may be required to submit a claim form for the services rendered and possibly pay the entire amount up front. In all instances, when a non-participating dentist renders services, any payment made by Delta Dental will be made directly to you, the subscriber.
There is no ID card associated with the VSP benefit. Be sure to tell your eye care provider you have VSP. Your provider will confirm your coverage with VSP.
Call VSP at 1-800-877-7195 or check with your VSP provider
If you contribute more than the maximum annual contribution to your HSA, you may withdraw the excess without penalty until the deadline (including extensions) for filing your tax return for the tax year for which the excess contribution was made. After that time, the funds are subject to both income taxes and an excise tax.
Your HSA funds can be used tax free to pay for out-of-pocket qualified medical expenses, even if the expenses are not covered by your HDHP. This includes expenses incurred by your spouse or qualified tax dependents.
There are hundreds of qualified medical expenses, including:
Over-the-counter medications for which you have a prescription from your doctor;
All of these expenses may be paid for with distributions from your HSA, free from federal income tax or state income tax (for most states).
Refer to IRS Publication 502 for a more complete list of qualified medical expenses.
Your HSA is portable. This means that you can take your HSA with you when you leave and continue to use the funds and any earnings you have accumulated. If you are covered by a qualified HDHP you can continue to make tax-free contributions to your HSA
Distributions from your HSA that are used exclusively to pay for qualified expenses for you, your spouse or your dependents are excludable from your gross income. Your HSA funds can be used for qualified expenses even if you are not currently eligible to contribute to your HSA.
At age 65 and older, you may continue to use your HSA funds to pay for qualified medical expenses; for instance, you may use your HSA to pay certain insurance premiums, such as Medicare Parts A and B, Medicare HMO, or your share of retiree medical coverage offered by a former employer. Funds cannot be used tax-free to purchase Medigap or Medicare supplemental policies.
If you use your funds for qualified medical expenses, the distributions from your account remain tax-free, i.e., free from federal income taxes or state income tax (for most states). If you use the monies for non-qualified expenses, the distribution becomes taxable, but due to your age, exempt from the 20% penalty.
Once you are enrolled in Medicare, you are no longer eligible to contribute to your HSA. If you reach age 65 or become disabled, you may still contribute to your HSA if you have not enrolled in Medicare.
No. You can only roll your HSA funds into another HSA.
Both HSAs and FSAs allow you to pay for qualified medical expenses with pre-tax dollars. One key difference, however, is that HSA balances can roll over from year to year, while FSA money left unspent at the end of the year is forfeited. (Use it or Lose it)
Health FSA contributions are limited to $2,750 annually.
Under IRS regulations all claims being paid with Healthcare FSA funds have to be substantiated to prove that the services were actually for a qualified health related services. Learn more about what is
required to substantiate your card transactions during the plan year.
This pre-tax feature allows you to save up to the IRS limit in your Health Savings Account while contributing up to $2,750 (pre-tax) per calendar year for non-medical reimbursable expenses such as dental or vision charges not covered under a group plan. You must be enrolled in one of the Consumer Choice plans to be eligible to have a Limited Purpose FSA.
Limited Purpose FSA contributions are limited to $2,750.
Qualified expenses eligible for reimbursement with a Limited Purpose Health FSA include:
Dental and vision deductibles and copayments not covered by insurance
Eyeglasses and contact lenses
Your portion of orthodontia expenses
Certain over-the-counter drugs and supplies such as contact lens solution