Wellness Benefits

Both medical plans include wellness benefits that pay 100% of in-network eligible charges for routine preventive care services for each covered person.

Wellness benefits examples include:

  • Routine physical exams (no limit on visits)

  • Routine diagnostic tests (lab and x-ray)

  • Routine eye exams

  • Routine hearing exams

  • Women’s Health Preventative Care (including birth control and breast pumps) will be reimbursed at 100% of contracted rates while using an in-network provider

  • Immunizations (immunizations for foreign travel are not covered)

Examples of Routine Wellness Care

Routine Physical Exam

Blood Pressure Screening

Annual Mammogram

Clinical Breast Exam

Annual Pap Smear

Well-Baby/Child Care

Annual Prostate Exam


Annual Fasting Blood Sugar Test

Annual Cholesterol Test

Routine Lab (blood, urine) Testing



Affordable Care Act (ACA) Preventive

Under the ACA there are certain drugs that are considered preventative. Examples of these medications include doctor-written prescriptions for women’s health preventive care, including Food and Drug Administration-approved contraceptive methods, preventive aspirin for men and women, iron supplements for children, folic acid for childbearing age or pregnant women, Vitamin D for at-risk adults over age 65, prescribed fluoride supplements for children under age six and tobacco cessation products. All preventive drugs and treatments require a doctor’s prescription under the preventive tier.

Free Preventive Generic Prescriptions

We have partnered with CVS Caremark on a program that will cover certain drugs classified as "preventive care prescriptions" at no cost to you, regardless of whether the deductible has been met. These include drugs that treat chronic conditions such as high blood pressure, high cholesterol, diabetes etc.

Log into your CVS Caremark account or utilize the Prescription Cost Estimator Tool to verify plan coverage.


Added Wellness Services:

  • Screening for diabetes for persons with high blood pressure

  • Cholesterol screening based on age and individual risk factors

  • Counseling about genetic testing for breast cancer

  • Counseling to help stop use of tobacco products

  • Osteoporosis (bone density) screening

  • Chlamydia infection screening

  • Gonorrhea and syphilis screening

  • Testing for HPV - the virus that can cause cervical cancer

  • Colorectal cancer screenings

  • Screening and counseling for alcohol misuse

  • Use of folic acid to promote health

  • Use of aspirin to prevent heart disease

  • Health counseling to include nutrition and weight management

  • Interpersonal and domestic violence screening and counseling

  • Female sterilization including tubal ligation*

*Certain restrictions may apply; there might be copay, coinsurance or deductible in some cases - refere to your plan materials or contact BCBS IL for more information. Hysterectomies are not considered part of the women's preventive care benefit.



  • Hepatitis A and B

  • Human Papillomavirus (HPV)

  • Influenza (Flu)

  • Measles, mumps, rubella

  • Meningococcal (Meningitis)

  • Pneumococcal (Pneumonia)

  • Tetanus, Diphtheria, Pertussis

  • Varicella (Chickenpox)

  • Zoster (Shingles)

Contraceptives: (Administered by CVS Caremark)

  • Prescription - One or more products within the categories approved by the FDA for use as a method of contraception

  • Over-the-counter - Contraceptives available over-the-counter approved by the FDA for women (foam, sponge, female condoms) when prescribed by a physician

  • The morning after pill

  • Medical devices such as IUD, diaphragm, cervical cap and contraceptive implants

Women’s Health Preventative Care

Women’s Health Preventative Care (including birth control and breast pumps) will be reimbursed at 100% of contracted rates while using an in-network provider.

Additional preventative service for pregnancies include:

  • Anemia screening for iron deficiency

  • Syphilis screening

  • Hepatitis B screening

  • Blood testing for Rh incompatibility

  • Screening for diabetes which develops during pregnancy

  • Urinary tract infection screening

  • Breastfeeding education

    • Breastfeeding support and counseling by a trained in-network provider during pregnancy and/or after giving birth

    • Breastfeeding specialist/nurse practitioner with state-recognized certification who is in the provider network

    • Breast pumps (manual, electric and hospital grade; some limitations or restrictions may apply)

For Prescriptions and Over the Counter Drugs

  • Covered at 100% (not subject to copays or deductibles)

  • Age, gender and quantity limits may be applied

  • Over the counter drugs require a prescription to be dispensed and covered through the medical plan*

Types of medication include:

  • Aspirin (men and women)

  • Iron Supplements (children)

  • Oral Fluorides (children)

  • Folic Acid (women only)

  • Tobacco Cessation (adults)

  • Vitamin D (men and women)

Contraceptives (female only):

  • Oral Contraceptives

  • Emergency Contraceptives

  • Injectable Contraceptives

  • IUDs, Subdermal rods, & vaginal rings

  • Transdermal Patch

  • Barrier methods - diaphragm, cervical cap

  • OTC - female condoms, vaginal sponge, spermicides

The above are examples of preventive care drugs under the Affordable Care Act. Certain drugs are subject to restrictions. Check with your provider or Caremark for more information.


Wellness Care Tips

Here are some key things to remember about your wellness benefits through Farm Credit Foundations.

  • When you schedule an appointment, be sure to specify it is for a wellness appointment.
  • You do not have a copayment for routine/preventive exams and lab work.
  • Your preventive exams are not subject to frequency schedules.
  • For more information regarding your wellness benefits contact BlueCross BlueShield of Illinois at 1-877-224-9598.

 More Information


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