Blue Cross Blue Shield HDHP Maroon Savings Choice Plan

The Maroon Savings Choice Plan is a Preferred Provider Option (PPO) that gives greater control and flexibility on how your health care dollars are spent. It will also provide access to a University-funded, tax advantaged Health Savings Account.

Each time you need care; you can visit any eligible licensed provider you choose. Generally, you pay the deductible then the plan covers a percentage of the cost of your medically necessary care. Once you reach your out-of-pocket maximum, the plan pays 100% of covered medical and prescription drug expenses for the rest of the year.

Limited Purpose FSA

A Limited Purpose FSA operates very similarly to a traditional Health Care FSA, however, you must be enrolled in the HDHP Maroon Savings Choice Plan and you may only use your Limited Purpose funds for dental and vision expenses. This unique arrangement allows you to pair this account with a Health Savings Account (HSA). Enrolling in a Limited Purpose FSA is a great way to set aside additional money for dental and vision expenses while reserving your HSA funds for medical expenses or to use in your retirement.

Network Providers

If you visit a network provider (Participating Provider Organization (PPO)) your care is considered "in-network," and the plan covers a higher percentage of your costs. Your doctor submits your claims directly to the Maroon Plan claims administrator.

If you do not visit a network provider, your care is considered "out-of-network," and the plan pays less. You file your own claims with the Maroon Plan claims administrator. Plus, if you are admitted to an out-of-network hospital, you must meet an additional deductible before the plan pays benefits. Amounts above the eligible or allowable charges are not covered and do not apply toward your deductible or your out-of-pocket maximum.

Preventive Care

In general routine preventive and wellness medical care will be covered at 100%. Wellness benefits do not count towards your deductible or out-of-pocket maximums.

Non-Preventive Care

All non-preventive care will require you to meet 100% of your annual deductible before the plan will provide coverage. For those enrolled with a spouse and/or children, the family deductible must be satisfied before coverage begins for any one family member (often referred to as a "true family" deductible).

Teladoc Health Primary Care

Blue Cross Blue Shield of Illinois, in collaboration with Teladoc Health, allows Maroon Savings Choice members to receive care without the time and stress of traveling to an appointment. Primary360 easily connects you with a board-certified primary care provider of your choice to get answers to your health questions, talk through any concerns and discuss any necessary next steps to achieve your health goals. Primary360 doctors and therapists can be used for annual checkups and wellness visits, specialist referrals, the diagnosis and treatment of non-urgent and common conditions, to receive prescriptions if needed, behavioral and mental health visits and for initial assessment of common dermatological conditions.

Cost of Coverage

Your cost for the plan depends on the coverage you select and your income. Please visit Medical, Dental and Vision Plan Rates. 

Prescription Drugs

Administered by CVS Caremark

The Maroon Savings Choice Plan covers prescription drugs and medicines dispensed by a licensed pharmacist or physician with a written prescription at a participating pharmacy or through the mail order program. Drugs must be approved by the U.S. Food and Drug Administration for general use by humans, including oral contraceptives. You pay the full cost of prescription drugs until your annual deductible is met unless it is a preventive drug. Once your annual deductible has been met, then the cost will be the appropriate copay. For preventive drugs, you will only be responsible for the copay before and after your deductible is met.

A list of preventive drugs can be found under Benefit Plan Documents. 

Participating Retail Pharmacy - For a 30-day supply of preventive drugs (before and after annual deductible is met) and non-preventive drugs (after annual deductible is met)

• Generic - $10 Copayment

• Preferred Brand - $30 Copayment

• Non-Preferred Brand - $50 Copayment

• Specialty - $75 Copayment

Mail Order - For 90-day supply of preventive drugs (before and after annual deductible is met) and non-preventive drugs (after annual deductible is met)

• Generic - $20 Copayment

• Preferred Brand - $60 Copayment

• Non-Preferred Brand $100 Copayment