City of Chicago Laborers’ and Annuitants

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Blue Cross and Blue Shield of Illinois

City of Chicago Laborer and Municipal Annuitant Retirees under age of 65 and/or their families who reside in Illinois are eligible to enroll in Blue Cross and Blue Shield of Illinois-Under age 65 plans. Various deductibles and plan design options are available.

Review Your Options GET QUOTE

NON-MEDICARE RETIREES

Blue Cross and Blue Shield of Illinois is offering group plan options for your consideration. Click here to access plan highlights.

In addition, there are a variety of Blue Cross and Blue Shield individual plan PPO and HMO options which you may want to consider as well. You can learn more about these by clicking “Get A Quote”:

If you choose to enroll in an Individual HMO or PPO simply click on the “Select” button and complete the online application.

If you are interested in an individual PPO or HMO plan check the box marked “Individual and Family Plans” and select the appropriate network based on your plan choice.  REMEMBER A PROVIDER MAY BE IN ONE BLUE CROSS AND BLUE SHIELD NETWORK AND NOT IN ANOTHER, IT IS VERY IMPORTANT THAT YOU DETERMINE IF YOUR PROVIDERS ARE IN THE NETWORK APPLICABLE TO THE PLAN YOU HAVE SELECTED.

If you wish to enroll in an individual plan you must do so by December 14, 2016 to ensure a 1/1/2017 effective date.

When considering the best choice for you and your family there are several things to consider:

Are My Providers In The Network?

Networks vary by product, Group Option A providers can by researched by visiting www.bcbsil.com and clicking on “find a doctor or hospital” enter your state and click on Start Search, next select Participating Provider Organization (PPO) from the drop down menu.  From here you will be able to enter doctors and hospitals and determine if they are in network.  Those interested in Group Option B should select Blue Options/Blue Choice Options from the drop down menu to determine if the providers are in network and if they are Tier One or Tier Two providers.

If you choose to enroll in Group Option A or Group Option B please contact Doyle Rowe LTD at 1-866-201-2524.  If you choose to enroll in an Individual HMO or PPO simply click on the “Select” button and complete the online application.

If you are interested in an individual PPO or HMO plan check the box marked “Individual and Family Plans” and select the appropriate network based on your plan choice.  REMEMBER A PROVIDER MAY BE IN ONE BLUE CROSS AND BLUE SHIELD NETWORK AND NOT IN ANOTHER, IT IS VERY IMPORTANT THAT YOU DETERMINE IF YOUR PROVIDERS ARE IN THE NETWORK APPLICABLE TO THE PLAN YOU HAVE SELECTED.

Do I Qualify For A Subsidy?

Some individuals may qualify for an Affordable Care Act subsidy to assist with premium costs.  Generally the guidelines are as follows:

Household Size                             2017 Projected Modified Adjusted Gross Income

1                                                                            Less than  $47,080.00

2                                                                            Less than  $63,720.00

3                                                                             Less than $80,360.00

4                                                                             Less than $97,000.00

You will have the opportunity to determine if you qualify for a subsidy by following the individual plan link.

How Do I Use My Plan?

If your primary concern is being covered should a catastrophic illness or injury occur you may want to select an individual plan with lower premiums and higher deductible and out of pocket maximums.  These plans often require you to pay for your doctor’s office visits and prescriptions until you meet your deductible.

If however, if you prefer lower cost sharing in the form of deductibles, co-pays an co-insurance amounts you will pay a higher premium and may prefer a group plan.

 

MEDICARE ELIGIBLE RETIREES

Blue Cross and Blue Shield of Illinois has developed three group Medicare Advantage Prescription Drug Plans (MAPD) for your consideration.  These are PPO plans that have the same benefit levels whether you utilize an in network provider or an out of network provider.  Two of the plans have a co-pays for various services while one of the plans does not require that co-pays be paid.  Plans cover either 80% or 75% of covered drugs depending upon the plan selected.  Please call 1-866-201-2524 to learn more about enrolling in these plans.  If you choose to enroll in one of these plans you must do so by December 15, 2016.  If you have already enrolled, or are enrolling now YOU MUST SUBMIT THE MEMBER AUTHORIZATION FORM TO YOUR ANNUITY FUND OFFICE.

You also have the option of selection individual Medicare Advantage or Medicare Supplement plans along with a Medicare Part D prescription drug plan. These options may be more cost effective than the group option.  If you would like to explore these options please call 1-866-201-2524.