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Open Enrollment 2023: Blue Choice Options Webinar

Added May 19, 2023 •

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hello my name is Kevin and I'm from alera group thank you for joining this presentation which I will review bluechoice options at to your network PPO that will be replacing the current high-deductible PPO with each has a plan this change. the fact I July 1st 2023 before review blue Choice option let's first discuss open enrollment Homewood School District open enrollment. This year is from May 15th through May 29th during open enrollment make changes or enroll in coverage after May 29th you can only make changes due to a qualified life event such as loss of coverage divorce marriage or birth of a child and a qualifying events must be reported to Human Resources within 30 days the event or you will need to wait until next year's open enrollment. To make any changes for the plane year beginning July 1st 2023 all benefits remain with a current insurance carrier medical remain with Blue Cross Shield dental rooming with Delta Dental Vision remain with VSP and life disability in volunteer programs including critical illness and accident will remain with unum knotless review blue choice text PPL options PPO is a tiered Network PPO plan it is three different tiers tier one is the blue Choice option is not work this offers the highest level of benefits resulting in the lowest out-of-pocket costs over 94% of participating spiders of Blue Cross Blue Shield PPO Network are into your 12 or two is the PPO Network this to your offers reduce benefit levels less than tier one with higher out-of-pocket cost profile providers in tier-2 include University of Chicago open lurie's Children's Hospital is out-of-network this offers the highest out-of-pocket costs to the lowest benefit levels and no contracted rates with Blue Cross Blue Shield of Illinois if you and you can use a different network each time you see a provider deductible and out-of-pocket amount since you accumulate in tier one will apply to tier two and vice-versa bluechoice auctions is an illinois-based plan as a result of the state will be applied to tier one level of benefits however if you reside alone Indiana and Wisconsin border exceptions may be made if this applies to you we recommend that you contact Blue Cross Blue Shield before you visit your provider with that in mind let's review benefits for the bluechoice directions plan if you visit tier-1 providers your deductible be $1,500 for single coverage and $3,000 for family coverage the out-of-pocket maximum is $3,000 for single and $6,000 for family these are the same benefit levels is the current high-deductible PP the only difference between the current high-deductible PPL with HSA and the bluechoice options to your one benefits is the coinsurance in the current HSA plan you owe 20% of your deductible is met in the blue Choice option plan you will be responsible for 10% of Kauai in this way it makes a blue Choice option to your one benefits richer than the current you just a plan and cheer to the deductible is $2,000 for single coverage and $4,000 for family coverage of pocket maximum is $4,000 for single and eat. knowledge for family the coinsurance is 30% the rxbenefits remain at the current level of 20% for both Tier 1 and tier 2 level of benefits has been a change to the blue Choice option does not work historically North Shore University Hospital system has been a tier two hospital however as of May 1st that is changed to a tier-one hospital as a result if you go to North Shore Hospital you receive the highest level of benefits as it's a tier-1 Louisville Hospital System it looks like we should have a comparison to the blue Choice option plan with the current high-deductible keep you out as you can see the only difference between the current plan and the tr1 blue Choice option plan is a lower colon as a result the blue Choice option to your 1 benefits are richer than current however you will spend more if you visit to your two providers or out-of-network providers send it to you one time if it's are richer than current and 94% of providers are in tier one it is often asked how blue Choice option to results in savings the reason is due to the different discounts BCBS realizes from providers in each tear 1 providers agree to Discount their rates by 35 to 50 per cent to participate in the BCBS PPO Network by contrast more cost providers in tier-2 only discount their rates by 5 to 10% by offering this middle here for these higher cost providers blue Choice option results in more utilization for lower-cost providers in tr1 this results in lower overall premiums and allows higher-cost providers to be considered in-network with Rich benefit levels Define a blue Choice option provider go to bcbsil.com you can search for a doctor a hospital or if you're not currently enrolled search as a guest the next step is to search in-network providers choose choose Illinois and then select the blue Choice options bco plan the next step is to search by ZIP code and or distance after you take those stops your search will fall to show cheer one blue Choice option sbco providers if you want to find all the network providers change display to show all tears top to your providers will have Tier 1 list of other names in tier-2 providers will only have the name listed with known to your list it at all for instance look at the search for Northwest Community Hospital as you will see on the bottom right it shows that Northwest Community Hospital is the tr1 blue Choice option provider this concludes our review of blue Choice option PPL I hope that you found it helpful as reminder open enrollment is from May 15th through May 29th election need will be effective beginning July 1st if you have any questions please contact Maria Harnish thank you very much