Blue Cross Blue Shield of Illinois - Select Temp PPO (short term medical)
SelecTEMP PPO is an affordable short-term health insurance plan from Blue Cross Blue Shield of Illinois that provides individuals and families essential protection against unexpected accidents or illness. This plan utilizes the Blue Cross Blue Shield PPO network of doctors and hospitals and provides coverage from 30 - 180 days.
SelecTEMP PPO is your temporary health insurance solution if you are:
- Experiencing a gap in employer coverage or can't afford COBRA.
- Waiting for employer coverage to begin.
- Between jobs or laid off
- Losing dependent status
- Looking for a lower-cost alternative to COBRA
- Recently graduated and still seeking your dream job.
- Age 64 and about to retire, but not yet eligible for Medicare.
SelecTEMP PPO covers many of the most costly health care services, including:
- Inpatient and outpatient medical, surgical and hospital services.
- Diagnostic services.
- Emergency care
- Office visits
- Prescription drug coverage
- Physical, occupation and speech therapy
SelectTemp PPO - Summary of Coverage
|
In-Network
|
Out-of-Network
|
|
| Length of Coverage | 30
- 180 days |
|
| Deductible (individual) Amount you pay toward covered expenses before the plan pays benefits. The family deductible is 2 times the individual deductible. |
$500 $1,000 $1,500 $2,000 $2,500 $5,000 |
$1,000 $2,000 $3,000 $4,000 $5,000 $10,000
|
| Rate
of Payment (Coinsurance) Percentage of covered expenses BCBS pays after the deductible |
80% | 60% |
| Out-of-Pocket Maximum The amount of money an individual pays toward covered hospital and medical expenses. Does not include deductible |
$1,000 ($2,000 for 2 or more individuals) |
$2,000
($4,000 for 2 or more individuals) |
| Lifetime
Benefit Maximum The total maximum amount the plan pays |
$5 million | $5 million |
Blue Extras Discount Program Included
BlueExtras is included at no cost with any Blue Cross and Blue Shield of Illinois Health Insurance plan:
- Save up to 30% on fitness clubs, complimentary alternative medicine, vitamins, magazine subscriptions and more.
- BlueAccess for Members gives you instant access to benefit information, or lets you take charge of your health with easy-to-use online tools.
Short Term Medical vs COBRA
A short term health plan is an excellent alternative to expenseive COBRA premiums for most healthy individuals. Individuals who will need (or soon need) medical care for an exisiting chronic medical condition should elect COBRA since short term medical insurance does not cover pre-existing conditions.
Purchasing an Additional Plan
Short term health insurance plans are not renewable. However, if your temporary health insurance need continues beyond your policy period, you may apply for a new plan if you can still answer "no" to the 5 questions on the SelectTemp PPO application:
|
|||||||||||||||