2022 Silver Small Group Plans
Our Silver plans offer a variety of coverage options at lower than average premiums. View the plan details below. Please note, all premiums listed represent coverage for dependents up to age 26.
If you are part of an existing group with Highmark Blue Cross Blue Shield of Western New York, visit BlueConnect to enroll. If you are a new group and would like to enroll in a Silver plan, please contact your broker or account executive.
2022 Silver Small Group, Q1
* All plans include Affordable Care Act (ACA) preventive drug coverage
† For plans with a deductible, insulin is subject to cost-sharing but capped at $100 for a 30-day supply
Benefits of Blue
BlueConnect
A comprehensive online benefits solution.
Wellness Card
Offered with every small group plan.
Preventive Care
$0 preventive services.
Blue PPO Silver Plans
Our Rating:
All Silver plans offer the same set of essential health benefits, quality and amount of care. The differences are how much your premium costs each month, what portion of the bill you pay for things like hospital visits or prescription medications, and how much your total out-of-pocket costs are. Silver Plans have a higher monthly premium and often lower out-of-pocket costs than bronze plans. In most cases, Silver plans cover 80% of costs, while you cover 20%.
There are 2 Blue PPO Silver Plan Options:- Silver Plan 003 – $6,000 individual deductible and 100% coinsurance
- Silver Plan 004 – $3,000 individual deductible and 80% coinsurance
The Blue PPO Silver Plans use the Blue Avantage Entrepreneur (BAE) PPO network, the largest PPO network in Illinois that includes over 90% of metro-area doctors and 98% of Illinois hospitals.
Cost Savings OptionThe Blue Choice Silver Plans offer the identical plan benefits as the Blue PPO Silver Plans, but use the Blue Choice Network, a smaller version of the “standard” Blue Cross Blue Sheild of Illinois PPO network. If you can accept some reduced hospital and physician choice, the Blue Choice Silver Plans may be a great lower cost option for you.
Key Blue PPO Silver® plan features include:- $30 doctor visit copayment for Silver Plan 003
- $35 doctor visit copayment for Silver Plan 004
- Prescription drug coverage
- Maternity Coverage
- Well-adult care
- Well-child care
- Diagnostic testing
- Hospital services
- Access to the BlueCard PPO network when traveling out-of-state
- Optional dental coverage
Silver® may be right for you if you are an individual or family who:
- Seeks coverage comparable to what is offered by employers
- Prefers fixed doctor visit copayments
- Regularly visits a doctor
- Requires regular prescription medication
Compare the features, options and costs of Silver® plans to find the one that’s right for you.
Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Illinois family.
Blue PPO Silver Plan Costs
Health insurance costs include monthly premium payments, individual/family deductibles, out-of-pocket expenses, copayments, and coinsurance. Here is what you can expect with Silver® plans:
- Individual in-network deductibles of $3,000 or $6,000
- $30 primary office visit copay/$50 specialist copay
- $0 or $10 copayments for generic prescription drugs
- Coinsurance of 100% or 80% percent of services provided in-network
- Annual out-of-pocket maximum of $6,000 and $6,350 for individuals and $12,700 for families
By using a contracting BCBS PPO hospital, doctor or specialist you are able to save on premiums and the cost of covered services. You do not need to select a primary care physician or obtain a referral to see a specialist.
For more information on costs, get a quick quote or see the Blue PPO Silver 003 benefit summary or Blue PPO Silver 004 benefit summary.
What’s Included with Blue PPO Silver Plans®
- Coverage for major hospital, medical and surgical expenses incurred as a result of a covered accident or sickness
- Coverage for daily hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in-hospital medical services, and out-of-hospital care
- Although you can go to the hospital or doctor of your choice, your benefits under a Silver® plan will be higher, and your costs lower, when you use the services of participating PPO or BlueChoice® providers.
- Maternity Coverage
- As with all individual Blue Cross and Blue Shield of Illinois plans, the freedom of not having to select a primary care doctor or obtain a referral to see a specialist
More Plan Details
It’s important to know the critical features of the health plan you are considering. Each plan’s Outline of Coverage provides brief descriptions of the basic provisions the Silver plans, as well as details on policy renewability, benefit exclusions and coverage limitations.
Prescription Drug Coverage
For the Blue PPO Silver and Blue Choice Silver Plans, there is a prescription drug card benefit that includes a $0 or $10 copay for generic, $50 or $100 copay for formulary drugs, and a $150 copay for specialty medications. This benefit is immediately available and not subject to a deductible.
There is a also a Home Delivery prescription benefit available with these 3 deductible options where you can receive a 90 day supply in the mail for the cost of a 60 day supply and is subject to a maximum cost of $300 per prescription.
| Preferred Generics | $0 copay | $0 copay |
| Non-Preferred Generics | $10 copay | $10 copay |
| Preferred Formulary | $50 copay | $50 copay |
| Non-Preferred Formulary | $100 copay | $100 copay |
| Specialty | $150 copay | $150 copay |
Plan Renewals
Your BCBSIL policy can ONLY be terminated for the following reasons:
- Failure to pay
- The plan is discontinued (90 days notice given with an option to convert to any plan we offer)
- Discovery of fraud or an intentional misrepresentation of facts (30 days prior written notice given)
- If you no longer reside, live or work in an area where we are authorized to do business
Add-ons and Plan Options
You can customize any Silver plan to add-on dental insurance.
Optional Dental Coverage
- Covers cleanings, check-ups and other preventive procedures immediately – no waiting period
- One of the highest maximum benefit amounts available – up to $1,500 per person per year
- Up to 20% discount for orthodontic services at participating providers
- Learn more about optional dental coverage
Blue PPO Silver Plan 003
Our Rating:
| Lifetime Maximum | Unlimited |
| Participating providers | PPO Network 90% of IL doctors; over 200 IL hospitals |
| Individual Deductible | $6,000 |
| Family Deductible | $12,700 |
| Coinsurance | 100% |
| Out of Pocket Maximum Includes deductible | $6,000 |
| Family Out of Pocket Maximum Includes deductible | $12,700 |
| Office Visit Copay (Primary Care/Specialist) | $30 / $50 specialist |
| Inpatient Hospital Medical / Surgical Services Hospital Services and Hospital Diagnostic Testing | $250 copay then 100% after deductible |
| Outpatient Surgery | $200 copay then 100% after deductible |
| Emergency Room / Outpatient Emergency Care Physician and Hospital | $500 copay then 100% after deductible |
| Outpatient Hospital Diagnostic Testing | 100% after deductible |
| Mental Illness & Substance Abuse Rehab (Outpatient Hospital/ Physician Care) | $30 copay |
| Mental Illness & Substance Abuse Treatment (Inpatient Hospital Care) | $250 copay then 100% coinsurance after deductible |
| Mental Illness & Substance Abuse Treatment (Inpatient Physician Care) | 100% after deductible |
| Preventive Care | Covered at 100%, no copay |
| Maternity Coverage | $250 copay then 100% after deductible |
| Preferred Generics | $0 copay |
| Non Preferred Generics | $10 copay |
| Preferred Formulary | $50 copay |
| Non-Preferred Formulary | $100 copay |
| Specialty | $150 copay |
| Prescription Drug Formulary | Standard |
| Tax Credit Eligible | Yes |
| Cost Sharing Eligible | No |
| HSA Eligibile | No |
| Outline of Coverage |
Blue PPO Silver Plan 004
Our Rating:
| Lifetime Maximum | Unlimited |
| Participating providers | PPO Network 90% of IL doctors; over 200 IL hospitals |
| Individual Deductible | $3,000 |
| Family Deductible | $9,000 |
| Coinsurance | 80% |
| Out of Pocket Maximum Includes deductible | $6,350 |
| Family Out of Pocket Maximum Includes deductible | $12,700 |
| Office Visit Copay (Primary Care/Specialist) | $30 / $50 specialist |
| Outpatient Surgery | $200 copay then 80% after deductible |
| Inpatient Hospital Medical / Surgical Services Hospital Services and Hospital Diagnostic Testing | $250 copay then 80% after deductible |
| Emergency Room / Outpatient Emergency Care Physician and Hospital | $500 copay then 80% after deductible |
| Outpatient Hospital Diagnostic Testing | 80% after deductible |
| Mental Illness & Substance Abuse Rehab (Outpatient Hospital/ Physcian Care) | $30 copay |
| Mental Illness & Substance Abuse Treatment (Inpatient Hospital Care) | $250 copay then 80% coinsurance after deductible |
| Mental Illness & Substance Abuse Treatment (Inpatient Physician Care) | 80% coinsurance after deductible |
| Preventive Care | Covered at 100%, no copay |
| Maternity Coverage | $200 copay then 80% after deductible |
| Preferred Generics | $0 copay |
| Non Preferred Generics | $10 copay |
| Preferred Formulary | $50 copay |
| Non-Preferred Formulary | $100 copay |
| Specialty | $150 copay |
| Prescription Drug Formulary | Standard |
| Tax Credit Eligible | Yes |
| Cost Sharing Eligible | No |
| HSA Eligibile | No |
| Outline of Coverage |