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HMO, or Health Maintenance Organization, plans usually have lower monthly premiums than PPO’s and may help keep your costs lower and more predictable. A Primary Care Physician (PCP) will coordinate your health care.

All Blue Precision HMO Plans offer the same set of essential health benefits, quality and amount of care. The Blue Precision Gold HMO Plans are the most expensive plans, but also have the most comprehensive benefits. Gold Plans have a higher monthly premium and often lower out-of-pocket costs than Silver and Bronze plans. BCBSIL Blue Precision HMO Plans cover 100% of costs, while you only cover the copays for medical services in most cases. There are deductibles for this plan, and this is an HMO plan (when applicable for major services). The plans below use the Blue Precision HMO network, one the largest HMO networks in Illinois. You must select a network primary care physician (PCP), who coordinates your care within the network and referrals are required from your PCP to see a specialists.

Bronze plans may be for you if you have fewer medical needs, would rather have a low monthly payment, and don’t take prescription drugs regularly. Below is a quick summary of available plans, but you can learn more about Blue Precision Bronze Plans here.

 

• Blue Precision Bronze HMO 205 – $7,400 individual deductible and 50% coinsurance
• Blue Precision Bronze HMO 701 – $1,500 individual deductible and 50% coinsurance
• Blue Precision Bronze HMO Standard – Select Rx Copays – $7,500 individual deductible and 50% coinsurance

Silver plans may be for you if you want to pay less out-of-pocket for care, qualify for a premium tax credit (also known as a subsidy), have a spouse/children on your health plan, or have regular medical needs. Below is a quick summary of available plans, but you can learn more about Blue Precision Silver Plans here.

 

• Blue Precision Silver HMO 206– $4,400 individual deductible and 50% coinsurance
• Blue Precision Silver HMO 306 – $6,000 individual deductible and 50% coinsurance
• Blue Precision Silver HMO 704– $7,000 individual deductible and 50% coinsurance
• Blue Precision Silver HMO℠ Standard – Select Rx Copays (previously 706) – $5,000 individual deductible and 40% coinsurance

Gold plans may be for you if you have more health care needs than most, have a spouse/children on your plan or want to grow your family soon, or prefer to pay more each month but have lower out-of-pocket expenses. Below is a quick summary of available plans, but you can learn more about Blue Precision Gold Plans here.

 

• Blue Precision Gold HMO 207 – $750 individual deductible and 30% coinsurance
• Blue Precision Gold HMO 703 – $1,500 individual deductible and 30% coinsurance
• Blue Precision Gold HMO℠ Standard – Rx Copays (previously 707) – $1,500 individual deductible and 25% coinsurance