Health Insurance 65+

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Blue Cross & Blue Shield Medicare Supplement

Plan highlights include:

  • Available to Illinois residents age 65 and older with Medicare Parts A & B
  • Traditional Medicare supplement that covers Part A & B deductibles and coinsurance amounts for Medicare approved expenses
  • Freedom to choose doctors and hospitals

Please contact us to get Medicare Plan information.


Blue Cross & Blue Shield IMRF Group Medicare Advantage Plans

Illinois Residents of Cook, Kane, DuPage and Will Counties

Download Medicare Advantage Program


Health Alliance HMO 


The Health Alliance HMO is available to retirees and spouses age 65 and older with Medicare Parts A & B residing in the Illinois counties below:

 

Champaign, Coles, Ford, Douglas, Piatt, McLean, Moultrie, Woodford, Vermilion and DeWitt counties

 

In-Network Health Plan Costs:

• $20.00 doctor office visit co-pay

• $40.00 specialist office visit co-pay

• $150.00 per outpatient surgery co-pay

• $150.00 co-pay each day(s) 1-7, $0.00 co-pay 8 and beyond per hospital admission

• $0.00 co-pay for preventative and lab services

 

Prescription Drug Coverage:

• Plan includes a Medicare Part D prescription drug benefit (participant must use an in-network pharmacy).

Tier 1: $0.00 co-pay at Walgreens. $9.00 co-pay at other network pharmacies

Tier 2: $20.00 co-pay per prescription

Tier 3: $47.00 co-pay per prescription

Tier 4: 25% co-insurance

Tier 5: 25% co-insurance

Includes coverage through the coverage gap (“donut hole”) for all tiers.

Catastrophic coverage (when out of pocket costs reach $5000.00).

• Generics $3.35 or 5% (whichever is higher).

• All other $8.35 of 5% (whichever is higher).

 

2018 Monthly Premium Rate………..$230.00


 

Health Alliance POS

The Health Alliance POS is available to retirees and spouses age 65 and older with Medicare Parts A & B residing in the Illinois counties below:

 

Adams, Brown, Bureau, Cass, Christian, Clark, Crawford, Cumberland, Edgar, Effingham, Hancock, Iroquois, Jasper, Livingston, Logan, Macoupin, Marshall, Mason, McDonough, Menard, Montgomery, Morgan, Peoria, Pike, Putnam, Sangamon, Schuyler, Scott, Stark, Tazewell, Champaign, Coles, DeWitt, Douglas, Ford, McLean, Moultrie, Piatt, Vermilion, and Woodford counties

 

In-Network Health Plan Costs:

• $20.00 doctor office visit co-pay

• $30.00 specialist office visit co-pay

• $0.00 annual exam co-pay

• $175.00 per outpatient surgery co-pay

• Inpatient hospital costs: days 1-10 $195 copay per day,  days 11 + $0 copay per day

• $0.00 co-pay for preventative and lab services

 

Prescription Drug Coverage:

• Plan includes a Medicare Part D prescription drug benefit (participant must use an in-network pharmacy).

Tier 1: $0.00 co-pay at Walgreens. $20 co-pay at other network pharmacies.

Tier 2: $40.00 co-pay per prescription

Tier 3: $40.00 co-pay per prescription

Tier 4: $100.00 co-pay per prescription

Tier 5: 25% co-insurance

• Includes coverage through the coverage gap (“donut hole”) for all tiers.

• Catastrophic coverage (when out of pocket costs reach $5000.00).

• Generics $3.35 or 5% whichever is greater

• All Others $8.35 or 5% whichever is greater

 

2018 Monthly Premium Rate………..$249.00


Seniors Choice (Group Retiree Program)

 

Three group Retiree Medical Plans available nationwide to retirees and spouses age 65 and older with Medicare Parts A & B

Medical Insurance

Underwritten by Guarantee Trust Life, these plans offer the freedom to choose doctors and hospitals.

2017 Monthly Medical Plan Rates (based on plan choice and age) $181.93 — $432.58

 

Prescription Drug Benefits

 

• Enrollees may also choose one of three Medicare prescription drug plans.  (You must also be enrolled in one of the three medical plans).

• Prescription drug plans have separate monthly premiums, based upon plan choice.

2017 Rx premiums range from $131.93 — $353.30

 

The benefits presented above are highlights of the available plan. The Evidence of Coverage will provide more detailed information.


Humana Regional PPO

Available to retirees and spouses age 65 and older with Medicare Parts A & B in specific cities throughout the country based on network accessibility.

Plan highlights include:

• 100% of in-network preventive services including annual routine physical, diabetes self-management, bone mass measurement (one per year), immunizations,  colorectal screening (one per year), and the like.

• A variety of co-pays for physicians, specialists, and other medical services.

Prescription Drug Benefits:

Plan includes Medicare Part D prescription drug benefits. After total out-of-pocket costs exceed $4,950.00, you pay the greater of $3.30 for generics, $8.25 for preferred and brand name drugs, or 5% co-insurance. You pay 5% for specialty drugs.

2017 Humana PPO Rates

Regional PPO 2017 monthly rates:$71-$167 (rates vary by region of residence)

Local PPO 2017 monthly rates $0-$125  (rates vary by city of residence)


United Healthcare Medicare Complete

United Healthcare Medicare Complete is available to retirees and spouses age 65 and older with Medicare Parts A & B residing in Monroe, Madison, Jersey and St. Clair counties in Illinois and St. Louis City, St. Louis County, St. Charles, Jefferson, Warren, Franklin, Crawford, Lincoln, Washington and Gasconade counties in Missouri.

In-Network Health Plan Summary

• 100% of specified preventive services including annual routine physical, diabetes self-management, bone mass measurement (one per year), immunizations, colorectal screening (one per year) and the like.

• A variety of co-pays for physicians, specialists and other medical services.

Prescription Drug Benefits:

Plan includes Medicare Part D prescription drug benefit:

2018 Monthly Premium Rate…………$10.00

The benefits presented above are highlights of the available plan. The Evidence of Coverage will provide more detailed information.