Medical Plans

COVID-19 testing covered by Farm Credit Foundations Medical Plan - Learn More ...

Two consumer-driven health plans (CDHPs) are available to you. Both plans can be paired with a tax-advantaged Health Savings Account (HSA). The HSA Advance feature in the Consumer Choice 1 plan provides HSA funds that are prorated based on your hire date.

Both plans are administered by Blue Cross and Blue Shield of Illinois (BCBSIL).

Employees enrolled in either plan are eligible for a Health Savings Account (HSA) that offers triple tax savings.

You also have access to a Limited Purpose Health Care Flexible Spending Account (FSA) and Dependent Care FSA.

Health Advocate

The Health Advocate team is made up of non-clinical representatives that can address questions about benefits, consult with clinical nurses and pharmacists as well as other experts on specific health care needs.

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This free benefit can help you and your family make more informed medical decisions and get better care at no cost to you.

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MDLIVE is a virtual tool that allows for 24/7 access to a clinician for non‐emergent conditions and mental health services.

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Preventive Drug List

Participants can get the medications on the generic drug list at no cost prior to meeting the deductible.

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Residents of Wisconsin

Residents in the state of Wisconsin use the Wisconsin Blue Preferred POS network. Wisconsin participants who travel outside of the state still have access to BlueCard Network providers.

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Locate a Network Provider

BCBSIL has a large network of providers. You can find a list of participating providers by logging on to or enrolling in your account at, or by calling BCBSIL at 1-866-563-8366. Also, call your doctor and ask, “Do you accept BlueCross BlueShield?”


How do I Make Changes to My Plan?

Changes to your pre-tax benefit elections – outside of your original eligibility period or annual enrollment – are only allowed in the event of a qualifying change in status. Changes to your benefit elections due to a life-changing event must be made within 31 days of the event (60 days for birth/adoption). Learn More ...


Use Your Plan Website Tools and Resources

Become a BCBSIL Blue Access Member

We encourage you to log in and open your personal Blue Access account at To open your account, you will need to create a user name and password. When you enroll in Blue Access, you can:

  • Search for doctors and hospitals in your area

  • Check to see if a claim has been paid

  • Check on the cost of a particular medical procedure

  • Sign up for alerts about your claim activity

  • Print a temporary ID card

  • View up to 18 months of claim payment details

  • Enroll in a program to lose weight or stop smoking

  • Learn more about a specific condition or disease

  • Get other important medical information


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Overview of Medical Plans

Learn more about this benefit:

Overview Video