Serving Our Members in 2018
A Message from Our President
Oct. 16, 2017
Open enrollment marks that time of year when millions of people are making important decisions about health care coverage for themselves and their families. Blue Cross and Blue Shield of Illinois (BCBSIL) is committed to expanding access to quality, cost-effective health care to as many people in Illinois as possible.
During this open enrollment, we’re focusing on providing information to our members when and where they need it to help them choose the coverage that best meets their needs.
- We offer choice. In 2018, people in all 102 Illinois counties can select a BCBSIL plan – both on and off the exchange. We’ll also help those on Medicare identify the plan that best meets their needs, and we work with our employer customers to help them offer a variety of products, choices and benefits to their employees.
- We'll be with you through it all. Health care and insurance is complex, and we’re here to make sure it works for you. BCBSIL customer service and product specialists, community education teams and our suite of digital tools and resources – such as virtual visits, the enhanced BCBSIL mobile app, or our virtual assistant Jordyn – are available to assist some members make more informed health care decisions.
- Making the health care system work for our members. There’s a lot going on behind the scenes at BCBSIL to make the health care system work better. We’re investing in systems, research and strategic partnerships to ensure our members have access to care from quality networks of doctors and hospitals.
As we continuously fine tune HOW we do business – how we sell, enroll and provide customer service during open enrollment – we always remember that our members are WHY we do business. Whether you choose BCBSIL directly through us, through the individual marketplace, a broker or your employer, our priority is to make sure you have the tools and resources you need to make the best decisions about your care and coverage.
President, Blue Cross and Blue Shield of Illinois
What's Next: An Update on the Passing of the Tax Reform Bill
Dec. 20, 2017
The House and Senate passed the tax reform bill today, and the president is expected to sign it into law. The bill will end the Affordable Care Act's (ACA) individual mandate starting in 2019. This means individuals won't have to pay a tax penalty if they don't have health care coverage in 2019.
Nothing will change for our customers in 2018. The ACA individual mandate will still be in place for 2018. Customers who signed up for health coverage during open enrollment will be covered starting Jan. 1, 2018.
We believe that everyone should have access to affordable health care coverage. We'll keep working with lawmakers and regulators on additional reforms to make coverage more affordable and encourage individuals to have continuous health coverage.
Illinoisans Could Qualify for Lower Monthly Payments on 2018 Individual Health Plans
Dec. 01, 2017
Many Illinoisans reviewing options for an individual health insurance plan may not be aware that financial assistance is available to help lower the cost of their monthly payment. In some cases, this financial assistance may cover the full premium cost. That means for those who qualify, the monthly cost for health coverage could be as low as $0 (for the 2018 coverage year).
We are committed to helping you find the best fit for your health care needs and budget. To learn more about how to protect your health and finances, and save on monthly premium costs, you can:
- Call 855-636-8702 available every day from 8 a.m. – 10 p.m. CT
- Contact your independent, authorized BCBSIL agent
- Visit MyChoiceBCBSIL.com to use our premium tax credit estimator and review your options
Understanding the Impact of Recent White House Action on Health Insurance
Oct. 25, 2017
Recent executive action, along with the announcement to stop funding of cost-sharing reduction payments (CSRs), has once again put a spotlight on health care.
BCBSIL accounted for the uncertainty around the federal government’s funding of the member’s CSR benefit in our 2018 ratesThe decision to stop the CSR payments has no impact our market participation. BCBSIL is proud to once again offer a variety of health plan options for 2018 – and is the only carrier offering retail products statewide in all 102 Illinois counties
It's important to note that the Administration's decision on CSRs isn’t related to the Advanced Premium Tax Credit (APTC).The APTC is federal aid available to people who earn less than 400 percent of the Federal Poverty Level. It can lower the monthly premium for Marketplace (on-exchange) plans and is paid by the federal government directly to insurers.
Quarterly Drug List Updates for Employer Groups
Oct. 02, 2017
Each quarter, the Blue Cross and Blue Shield of Illinois prescription drug lists for our employer group customers are reviewed and updated. Drugs can be added or removed from the lists due to pharmaceutical industry changes and to make sure the medications on the drug list are safe, effective and affordable.
It’s important to note that generic equivalents are available for most medications excluded from a drug list. Members should discuss any medication concerns with their doctor or pharmacist.
Fourth quarter changes for most non-regulated employer group plans went into effect on Oct. 1, 2017. Affected members were sent a letter detailing the updates.
Changes and effective dates may depend on group funding type (fully insured/self-funded), plan renewals and the specific prescription drug list the group has selected.