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Blue Choice Preferred Silver PPO Plans
Our Rating: 
Blue Choice Preferred Silver PPO Plans offers a respectable PPO network of doctors and hospitals and the convenience of never needing a referral to see a specialist. Blue Choice Preferred PPO Plans are coupled with the Blue Choice Preferred PPO network, a smaller version of the “standard” Blue Cross Blue Shield of Illinois PPO network and the largest PPO network BCBSIL offers to individual health plans. If you can accept some reduced hospital and physician choice, Blue Choice Preferred Silver PPO may be a great option for you. All Blue Choice Preferred Silver PPO plans offer the same set of essential health benefits, quality and amount of care.
The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are. Blue Choice Preferred Silver PPO plans have a higher monthly premium and lower out-of-pocket costs than Blue Choice Preferred Bronze plans. The Blue Choice Preferred PPO Silver Plans use the Blue Choice Preferred PPO network, a smaller PPO network that includes about 73% of doctors and hospitals in Illinois.
Below is a summary of the four Blue Choice Preferred Silver Plan Options. See toggles below for each plan detail or download the available plan summaries.
- Blue Choice Preferred Silver Plan 203, $1,500 individual deductible and 50% coinsurance
- Blue Choice Preferred Silver Plan 303, $1,500 individual deductible and 50% coinsurance (off-exchange only, not available on Get Covered Illinois)
- Blue Choice Preferred Silver PPO℠ Standard, Select Rx, $6,000 individual deductible and 40% coinsurance
- Blue Choice Preferred Silver Plan 801, $4,300 individual deductible and 40% coinsurance
Lower-cost versions of Blue Choice Preferred Silver (cost-sharing reductions)
If you buy one of these plans through Get Covered Illinois and your household income is between 100% and 250% of the federal poverty level, you get a lower-cost version of the plan, called a cost-sharing reduction (CSR). You pay the Silver premium, but your deductible, out-of-pocket maximum and copays drop. Figures are from BCBSIL’s 2026 Summary of Benefits and Coverage for each version (click to open). Plans sold only off-exchange do not have CSR versions.
| Plan and income level | Deductible (in-network) | Out-of-pocket max | Primary care / Specialist | Generic drugs |
| 203: Standard (above 250% FPL) | $1,500 / $3,000 | $10,600 / $21,200 | $5 / 50% coinsurance | $5 / $10 / $15 |
| 203: 73% CSR (200% to 250% FPL) | $1,200 / $2,400 | $8,450 / $16,900 | $5 / 50% coinsurance | $5 / $10 / $15 |
| 203: 87% CSR (150% to 200% FPL) | $175 / $350 | $3,500 / $7,000 | No Charge / 40% coinsurance | $5 / $10 / $15 |
| 203: 94% CSR (100% to 150% FPL) | $0 / $0 | $1,225 / $2,450 | No Charge / 30% coinsurance | $5 / $10 / $15 |
| 801: Standard (above 250% FPL) | $4,300 / $8,600 | $10,150 / $20,300 | $30 / $40 | $10 / $30 |
| 801: 73% CSR (200% to 250% FPL) | $4,250 / $8,500 | $8,100 / $16,200 | $20 / $30 | $10 / $30 |
| 801: 87% CSR (150% to 200% FPL) | $500 / $1,000 | $3,350 / $6,700 | $20 / $25 | $10 / $30 |
| 801: 94% CSR (100% to 150% FPL) | $200 / $400 | $900 / $1,800 | No Charge / $10 | $10 / $30 |
| Standard: Standard (above 250% FPL) | $6,000 / $12,000 | $8,900 / $17,800 | $40 / $80 | $20 / $60 |
| Standard: 73% CSR (200% to 250% FPL) | $3,000 / $6,000 | $7,400 / $14,800 | $40 / $80 | $20 / $60 |
| Standard: 87% CSR (150% to 200% FPL) | $700 / $1,400 | $3,300 / $6,600 | $20 / $40 | $10 / $30 |
| Standard: 94% CSR (100% to 150% FPL) | $0 / $0 | $2,200 / $4,400 | No Charge / $10 | No Charge |
Deductible and out-of-pocket max are individual / family. Generic drug costs: two amounts are retail / mail order; three amounts are preferred pharmacy / other retail pharmacy / mail order.
Compare the features, options and costs of Blue Choice Preferred Silver® PPO plans to find the one that’s right for you.
Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Illinois family.See toggles below for plan comparisons. Information is based on Participating Providers. For Non-Participating Provider information, please download the plan summaries listed above.
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Deductibles
| 203 | 303 | 801 | Standard, Select Rx | |
| Overall Deductible Individual/Family | $1,500 / $3,000 | $1,500/ $3,000 | $4,300 / $8,600 | $6,000 / $12,000 |
| Are there services covered before you meet deductible | Yes. | Yes. | Yes. | Yes. |
| Are there other deductibles for specific services | No. | No. | No. | No. |
| Out-of-pocket limit Individual/Family** | $10,600/ $21,200 | $9,200/ $18,400 | $10,150 / $20,300 | $8,900 / $17,800 |
| Will you pay less if you use network provider? | Yes. | Yes. | Yes. | Yes. |
| Referral to see a specialist? | No. | No. | No. | No. |
**Premiums, balance billing & health care this plan doesn’t cover are not included in the out-of-pocket limit
Office Visit / Testing
| 203 | 303 | 801 | Standard, Select Rx | |
| Primary Care for injury/illness | $5/visit | $10/visit | $30/visit | $40/visit |
| Specialist visit | 50% | 50% | $40/visit | $80/visit |
| Preventative care/screening | No Charge | No Charge | No Charge | No Charge |
| Diagnostic test (xray, blood) Freestanding / Hospital | 30% | 30% | 30% | 40% |
| Imaging (CT/PET/MRI) Freestanding / Hospital | 30% | 30% | 30% | 40% |
Generic / Brand / Specialty Drug Comparison
If you need Drugs to treat your illness or condition. For information on whether or not deductibles apply, please download the plan summaries
| 203 | 303 | 801 | Standard, Select Rx | |
| Generic Drugs (Preferred) | $5 / $10 / $15 | $5 / $10 / $15 | $10 / $30 | $20 / $60 |
| Generic Drugs (Non Preferred) | $15 / $25 / $45 | $15 / $25 / $45 | $65 / $195 | NA |
| Brand drugs (Preferred) | 30% / 35% | 30% / 35% | 30% | $40 / $120 |
| Brand Drugs Non Preferred | 35% / 40% | 35% / 40% | 35% | $80 / $240 |
| Specialty Drugs Preferred | 45% | 45% | 45% | $350 |
| Specialty Drugs Non Preferred | 50% | 50% | 50% | NA |
Outpatient Surgery / Emergency Comparison
| 203 | 303 | 801 | Standard, Select Rx | |
| Facility Fee Freestanding | $900/visit + 30% | $600/visit + 30% | 30% | 40% |
| Facility fee Hospital | $900/visit + 30% | $600/visit + 30% | 40% | 40% |
| Physician/surgeon Fee | $750/visit + 50% | $200/visit + 50% | 40% | 40% |
| Emergency Room Care | 50% | 50% | 40% | 40% |
| Emergency Medical Transportation | 50% | 50% | 40% | 40% |
| Urgent Care | $15/visit | $15/visit | $40/visit | $60/visit |
Hospital Stay / Health Services / Pregnancy
| 203 | 303 | 801 | Standard, Select Rx | |
| Facility Fee for hospital stay | 50% | 50% | 40% | 40% |
| Physician/surgeon Fees | 50% | 50% | 40% | 40% |
| Mental health, behavioral health, or substance abuse services: Outpatient | 50% office / 30% other | 50% office / 30% other | $30/office / 40% other | $40/office / 40% other |
| Mental health, behavioral health, or substance abuse services: Inpatient | 50% | 50% | 40% | 40% |
| If you are pregnant, office visit | Primary: $5 / Specialist: 50% | Primary: $10 / Specialist: 50% | Primary: $30 / Specialist: $40 | Primary: $40 / Specialist: $80 |
| Childbirth/delivery/professional services | 50% | 50% | 40% | 40% |
| Childbirth/delivery facility services | 50% | 50% | 40% | 40% |
Help recovering / other special needs
| 203 | 303 | 801 | Standard, Select Rx | |
| Home Health Care | 50% | 50% | 40% | 40% |
| Rehabilitation Services | 50% | 50% | 40% | $40/visit |
| Habilitation services | 50% | 50% | 40% | $40/visit |
| Skilled nursing care | 50% | 50% | 40% | 40% |
| Durable medical equipment | 50% | 50% | 40% | 40% |
| Hospice services | 50% | 50% | 40% | 40% |
Childrens Dental / Eye care
| 203 | 303 | 801 | Standard, Select Rx | |
| Children’s eye exam | No Charge | No Charge | No Charge | No Charge |
| Children’s Glasses | No Charge | No Charge | No Charge | No Charge |
| Children’s Dental check-up | Not Covered | Not Covered | Not Covered | Not Covered |
Excluded & Other Covered Services
Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)
| 203 | 303 | 801 | Standard, Select Rx | |
| Acupuncture | Not Covered | Not Covered | Not Covered | Not Covered |
| Dental Care (Adult) | Not Covered | Not Covered | Not Covered | Not Covered |
| Long-term Care | Not Covered | Not Covered | Not Covered | Not Covered |
| Non-emergency care when traveling outside of US | Not Covered | Not Covered | Not Covered | Not Covered |
| Routine eye care (adult) | Not Covered | Not Covered | Not Covered | Not Covered |
| Weight loss programs | Not Covered | Not Covered | Not Covered | Not Covered |
Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)
| 203 | 303 | 801 | Standard, Select Rx | |
| Abortion care | Covered | Covered | Covered | Covered |
| Bariatric surgery | Covered | Covered | Covered | Covered |
| Chiropractic care | Covered (25 visits per calendar year) | Covered (25 visits per calendar year) | Covered (25 visits per calendar year) | Covered (25 visits per calendar year) |
| Cosmetic surgery | Covered when medically necessary | Covered when medically necessary | Covered when medically necessary | Covered when medically necessary |
| Hearing aids | Covered (1 per ear every 24 months) | Covered (1 per ear every 24 months) | Covered (1 per ear every 24 months) | Covered (1 per ear every 24 months) |
| Infertility treatment | Covered (4 procedures per benefit period) | Covered (4 procedures per benefit period) | Covered (4 procedures per benefit period) | Covered (4 procedures per benefit period) |
| Private-duty nursing | Covered, except inpatient private-duty nursing | Covered, except inpatient private-duty nursing | Covered, except inpatient private-duty nursing | Covered, except inpatient private-duty nursing |
| Routine Foot Care | Covered when medically necessary | Covered when medically necessary | Covered when medically necessary | Covered when medically necessary |
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