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Consumer Driven Health Plan

This site provides detailed information regarding the BlueEdge CDHP Medical Plan, administered by BlueCross BlueShield.  The BlueEdge CDHP is a type of medical plan commonly known as a “Consumer Driven Health Plan” (CDHP).  It provides comprehensive coverage for high-cost medical events and a tax-advantaged way to help you build savings for future medical expenses. Enrollment in this type of medical plan allows you to establish a Health Savings Account (HSA) into which the university will make contributions and you can make pre-tax contributions. The plan also features 100% in-network coverage for preventive care.  In order to best use the plan and become an informed consumer of health care, BlueCross BlueShield makes several web resources available to participants as well as a 24 hour nurse’s line.

Part I: Decide whether or not to enroll in the Consumer Driven Health Plan (CDHP):

    1. Understand the Two Main Components of a Consumer Driven Health Plan 
    2. Review the CDHP Plan Benefits
    3. Ensure You are Eligible to Establish a Health Savings Account
    4. Be Aware of Restrictions if also Covered by a  Health Care Flexible Spending Account (FSA)
    5. Understand the Significant Tax Advantages  

Part II: Enroll in the BlueEdge CDHP Medical Plan and Establish a Health Savings Account: 

    1. Enroll in the BlueEdge CDHP Plan
    2. Establish a Health Savings Account with ACS Mellon Bank 
    3. Understand the Contribution Possibilities Related to Your Enrollment in the CDHP
    4. Establish a Pre-tax Salary Deduction from Your Pay
    5. Making Mid-year Changes to Your HSA Contributions

 Part III:  Using the Consumer Driven Health Plan:

    1. How to Find an In-Network Provider
    2. How to Use the Mail Order Pharmacy for Maintenance Medications
    3. How to Submit Claims
    4.  How to Make Mid-year Changes if Necessary
      1. Maximum Employee Contributions
      2. Employer Contribution Changes in the Event of a Change of Coverage Level
      3. Employees who Terminate before the End of the Calendar Year

 Part IV: How to Monitor Claims and Health Savings Account Transactions:

    1. Set-up Access to www.bcbsil.com (Blue Access for Members)
    2. Tracking your HSA payroll deductions and contributions 

Part V: Important Information & HSA Distributions:

  1. Proper Use of HSA Accounts
  2. Qualified Medical Expenses (See IRS Publication 969)
  3. HSA Distributions for Non-Qualified Expenses
  4. HSA contributions and distributions must be reported with your income tax return on Form 8889.

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