Blue Precision HMO Plans

Our Rating:

All Blue Precision HMO Plans offer the same set of essential health benefits, quality and amount of care. The Blue Precision Gold HMO Plans are the most expensive plans, but also have the most comprehensive benefits. Gold Plans have a higher monthly premium and often lower out-of-pocket costs than Silver and Bronze plans. BCBSIL Blue Precision HMO Plans cover 100% of costs, while you only cover the copays for medical services in most cases. There are deductibles for this plan, and this is an HMO plan (when applicable for major services). You must select a Blue Precision HMO Network Primary Care Physician (PCP) when enrolling in this plan.

Blue Precision Gold HMO plans are good for you if you:

• Have more medical needs than most
• Have a spouse and/or children on your health care plan, or want to grow your family soon
• Prefer to have lower out-of-pocket expenses but a higher monthly payment

Blue Precision Silver HMO plans are good for you if you:

• Have regular medical needs
• Qualify for a premium tax credit, also known as a subsidy
• Want to pay less out-of-pocket for care
• Have a spouse and/or children on your health care plan

Blue Precision Bronze HMO plans are good for you if you:

• Have fewer medical needs
• Would rather have a low monthly payment
• Don’t take prescription drugs regularly

HMO Network

The Blue Precision HMO Plans use the Blue Precision HMO network, one the largest HMO networks in Illinois. You must select a network primary care physician (PCP), who coordinates your care within the network and referrals are required from your PCP to see a specialists.

Key Blue Precision HMO® Plan features include:

• Lower out-of-pocket costs and monthly premiums than PPO plans
• May help keep your costs lower and more predictable
• You must select a network primary care physician (PCP), who coordinates your care within the network
• Referral required to see a specialist
• Prescription drug coverage
• Maternity Coverage
• Well-adult care
• Well-child care
• Diagnostic testing
• Hospital services
• Optional dental coverage

Blue Precision HMO® Plans may be right for you if you are an individual or family who:

• Are willing to have a primary care physician (PCP) coordinate your care
• Prefers fixed doctor visit copayments
• Are expecting to have surgery or major services in the near future and want the lowest out of pocket costs
• Requires regular prescription medication

Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Illinois family.