Medical coverage helps you and your family with the costs of maintaining good health and treating illness or injury. We offer you three options to choose from, or you can decline medical coverage:
- Core Consumer-Directed Health Plan (CDHP) + HSA1
- Buy-up Consumer-Directed Health Plan (CDHP) + HSA1
- Core Preferred Provider Organization (PPO)
1. You must meet certain eligibility requirements to make or receive contributions to an HSA, including the Company contribution. If you are not eligible for an HSA, you can enroll in the Buy-up CDHP option with no HSA. See HSA and the SPD for more details.
All options2 cover the same features, including:
- Free, in-network preventive care such as annual physicals, wellness exams, cancer screenings and immunizations;
- The same BCBSIL network of providers; and
- Prescription drug coverage through Express Scripts.
2. If you live in Puerto Rico, your medical and prescription drug coverage is administered by Triple S (Blue Cross and Blue Shield of Puerto Rico). If you live in Hawaii, your medical and prescription drug coverage is administered by UHA Health Insurance. If you are a U.S. employee on an expat assignment outside of the United States, your medical, prescription drug and dental coverage is administered by GeoBlue. See the 2024 Benefits Guide for U.S. employees working abroad for coverage details and costs.
Below are some key differences for you to consider.
CDHP + HSA Options: a good value at any age
Young and healthy? Nearing retirement? Or somewhere in between? No matter where you are in your health journey, the CDHP + HSA options can save you money on health care. Though they have higher deductibles, you get:
- Health Savings Account (HSA),3 which lets you pay for eligible health care expenses with tax-free money. Schneider Electric contributes to your HSA, which can be used to help offset the deductible — that’s free money for you.
- Lower costs from your paycheck. Consider contributing to your HSA the difference in your cost for medical coverage between the Core PPO and a CDHP option to use toward the higher deductible or to save and invest in your HSA.
- Choice. The HSA empowers you to decide when to use your money: now or save it for later.
3. You must meet certain eligibility requirements to make or receive contributions to an HSA, including the Company contribution. If you are not eligible for an HSA, you can enroll in the Buy-up CDHP option with no HSA. See HSA and the SPD for more details.
PPO Option
The Core PPO option has higher employee contributions per pay period but a lower annual deductible than the CDHP + HSA options. And since this option doesn’t include an HSA, you will not be able to contribute to an HSA or receive a Company HSA contribution.
Meeting the deductible and out-of-pocket maximum
In the Core CDHP + HSA and Core PPO…
- Once one person’s claims reach the single deductible amount, that person can then begin receiving benefits and just pay the coinsurance amount.
- Once one person reaches the single out-of-pocket maximum, the plan will pay 100% for that person for the remainder of that calendar year.
In the Buy-up CDHP + HSA…
- All of the family’s eligible expenses added together must reach the family deductible amount before paying coinsurance for any family member.
- All of the family’s eligible expenses added together must reach the family out-of-pocket maximum before the plan will pay 100% for any family member for the remainder of that calendar year.
- The family deductible and/or family out-of-pocket maximum can be met by one family member or a combination of family members.
To see if your provider is in the BCBSIL network, or to find a new provider, go to bcbsil.com and click on the Find a Doctor or Hospital link. Search as a guest > enter the location where you would like to search for care and then select the Participating Provider Organization (PPO) network. If you use a provider outside of your network, your claim will be processed as out-of-network and subject to a separate out-of-network deductible and out-of-pocket maximum.
NOTE: In certain areas, you must select the applicable network: Florida, Georgia, Kansas City area, New Hampshire, New Jersey, St. Louis area, Tennessee, the Washington D.C./Maryland/Virginia area and Wisconsin. Find your network in the SPD or through Rewards@Schneider.
Comparing medical plan options
| Plan provision | Core CDHP + HSA | Buy-up CDHP + HSA | Core PPO | ||||
|---|---|---|---|---|---|---|---|
| You pay in-network | You pay out-of-network | You pay in-network | You pay out-of-network | You pay in-network | You pay out-of-network | ||
| Deductible (combined with prescription drug) | |||||||
| Single | $3,200 | $6,400 | $1,600 | $3,200 | $700 | $1,400 | |
| Family | $6,400 | $12,800 | $3,200 | $6,400 | $1,400 | $2,800 | |
| Health Savings Account | |||||||
| Single | Company contributes $700 | NA | |||||
| Family | Company contributes $1,400 | NA | |||||
| Out-of-pocket maximum1 | |||||||
| Single | $5,600 | $11,200 | $4,450 | $8,900 | $3,700 | $7,400 | |
| Family | $11,200 | $22,400 | $7,150 | $17,800 | $7,400 | $14,800 | |
| Coinsurance2 | |||||||
| 20% | 40% | 20% | 40% | 20% | 40% | ||
| Office visit | |||||||
| Preventive care | Free | Not covered | Free | Not covered | Free | Not covered | |
| Primary care physician | Subject to deductible and coinsurance | $30 copayment | Subject to deductible and coinsurance | ||||
| Specialist | Subject to deductible and coinsurance | $50 copayment | Subject to deductible and coinsurance | ||||
| Telehealth through
Teladoc Health |
In-network: Cost varies based on the type of visit and medical plan option (see Teladoc Health virtual care).
Out-of-network: No coverage
|
||||||
| Urgent care | Subject to deductible and coinsurance | $50 copayment | |||||
| Emergency room | Subject to in-network deductible and coinsurance | ||||||
| Hospital admission | Subject to deductible and coinsurance | ||||||
- The out-of-pocket maximum includes expenses paid toward your deductible, as well as medical and prescription drug copayments and coinsurance amounts.
- The coinsurance is calculated based on the allowed amount under the medical plan. For out-of-network care, you may be responsible for any amount billed in excess of the allowed amount. The coinsurance for bariatric surgery and certain organ transplants, as well as cardiac, knee, hip, maternity and spine services is 10% if treatment is received at a BCBSIL Blue Distinction Centers+ facility.
Get more information
Find more plan details in the Summary of Benefits and Coverage (SBC) for each medical option, along with a Glossary of Health Coverage and Medical terms, at Rewards@Schneider. You may also request a paper copy of any SBC by calling PeopleLink at 877-248-2998.
To view or print your medical ID card, log in to bcbsil.com or the BCBSIL mobile app.