Medical
We offer three comprehensive medical plan options through BlueCross BlueShield of Illinois (BCBSIL), which include a broad network of physicians, hospitals and health care services. Your medical plan options are the CDHP 2600, CDHP 1750 and the PPO 825 Plan*.
Key features of all three plans include:
- Comprehensive coverage for the same services, including prescription coverage and mental health care.
- Preventive care covered at 100% in-network, including annual checkups, vaccinations and wellness visits.
- Opportunity to contribute to tax-advantaged health account(s).
- Cancer care and support service to help you and your loved ones navigate every step of a cancer journey.
- If you (or a dependent) receive infusions for a chronic or complex condition, you have access to Leap. Leap coordinates the logistics and brings care to you, so you can receive treatment on your schedule at home or at a nearby clinic. If you’re eligible, a Leap Care Guide will reach out to walk you through your options and next steps.
*Plan names updated from 2026 to reflect 2027 plan changes.
Paying for care
- Learn how you pay for care within the three medical plans.
- Keep in mind, you will need to either meet the family deductible or family out-of-pocket maximum before expenses are paid for the rest of that calendar year. Learn more.
Comparing the Plans
All three medical plans are designed to bring value and protection to you and your family when you need it most. They offer access to the same network of providers and coverage for the same types of services. The key difference is what you pay for care and when, and how you can save for health care expenses now and in the future.
Key considerations when selecting a plan:
- When you prefer to pay for care. If you pay more from your paycheck for your coverage, you will pay less at the time of care with a lower deductible and out-of-pocket maximum. If you’d prefer to keep your paycheck contributions lower, you will pay more when you need care, with a higher deductible and out-of-pocket maximum. See how the plans compare against some of the key features that affect how and when you pay for care.
- Access to a health savings account (HSA). Coverage is paired with an HSA when you enroll in the CDHP 2600 Plan or CDHP 1750 Plan. With an HSA, you can pay for out-of-pocket costs and/or save for the future – all tax free. We will also contribute to help you save. If you enroll in the PPO 825 Plan, you will not have access to an HSA, but you can save pre-tax dollars for health care expenses with the health care flexible spending account (HCFSA).
- Access to a flexible spending account (FSA). If you contribute to either a health care FSA, limited purpose FSA or dependent care FSA, you can set aside money on a pre-tax basis, then use it to help pay for eligible health care and dependent care expenses within the plan year.
- Anticipated health care needs. Consider how you and family members used your medical coverage during 2026. Based on your personal situation and anticipated 2027 health care needs, decide which of the medical plans might work for you. Review examples.
Importance of Primary Care
When you establish a relationship with a primary care doctor, they’ll work with you to make sure you get the right preventive care, manage any chronic conditions and help you improve your overall health and well-being. Remember, getting regular medical checkups is the best way to identify potential health issues and help avoid significant health challenges down the road.
Teladoc Health makes it easy for you to access a primary care doctor no matter where you are or when you need care – and services are generally less expensive than at a doctor’s office. Whether you wake up sick in the middle of the night, get a cold on vacation or just want to schedule an appointment without worrying about a commute or waiting times, use Teladoc.
Get connected:
- Download the Teladoc Health app today. Set up your profile so your account is ready when you need it.
- Go to teladochealth.com.
- Call 1-800-TELADOC (1-800-835-2362).
Getting In-Network Care Matters
In-network providers have negotiated service rates with BCBSIL. Because of this, the out-of-network deductible and coinsurance are higher than the in-network deductible, meaning you pay more. Before receiving treatment, check with BCBSIL to ensure a doctor, lab, hospital, specialist or other provider is in-network.
Know Your Care Options
When you have a relationship with a primary care doctor, you benefit from more personal care. Your primary care doctor will usually be your go-to when you need routine care, but not always. Determine the best care options if you participate in one of our medical plans.
Ways to save
- Choose the right level of care: Get care in the most appropriate setting for your needs. For non-emergency conditions, consider Teladoc Health, your primary care physician or an urgent care center before visiting the emergency room.
- Stay in-network: In-network providers have negotiated rates with the plan, helping you avoid higher out-of-network costs. Always confirm that doctors, facilities and specialists are in-network before receiving care.
- Get your preventive care: Take advantage of preventive care services, which are covered at 100% when you use in-network providers. Routine checkups can help identify health concerns early and avoid more costly care later.
- Research your care: Before scheduling a procedure, imaging service or treatment, compare providers, ask about costs and confirm coverage with your medical plan. A little homework can help you avoid unexpected expenses.
- Take advantage of virtual care: Virtual care can be a convenient and cost-effective option for many routine medical, behavioral health and dermatology needs.
