HALO employees can choose between two BCBS of Illinois health plans: a Traditional PPO or a High Deductible Health Plan PPO. Both plans utilize the same, comprehensive, nation-wide network but differ in they work.
PPO Plans have a co-pay structure which cover your office visits and ER or Urgent Care visits (not including any diagnostic work, labs, imaging, etc). Their premiums (what you pay to be enrolled in the plan) tend to be higher, and their deductibles (what you must pay before the plan starts covering a portion of your care) tend to be lower.
HDHP Plans give you access to the same network and coverage as your PPO plans, but they differ in how you pay for them. There are no co-pays, which means that on top of paying for any diagnositc, lab work, imaging or other services you get, you also have to pay for your office visits. HDHPs tend to have lower premiums but higher deductibles.
Enrollment in HALO’S High Deductible Health Plan allows for you to open and contribute to a Health Savings Account (HSA). Learn more about Health Savings Accounts
Premiums for our medical plans are based on your salary classification, completion of wellness activities, and tobacco status. The chart below reflects bi-weekly contributions for the PPO. *Sales Employees are responsible for paying the costs associated with the Commissions-Based Classification below.
PPO Employee Only Employee + Spouse Employee + Child(ren) Employee + Family
Over $200k
Wellness $149.47 $414.81 $329.05 $540.67
Non-Wellness $217.51 $566.45 $478.24 $730.45
Over $100k
Wellness $122.36 $334.57 $268.63 $445.42
Non-Wellness $184.41 $475.32 $406.14 $609.98
Over $60k
Wellness $103.76 $291.10 $228.47 $392.48
Non-Wellness $162.54 $421.31 $358.10 $553.22
Under $60k
Wellness $90.48 $265.11 $204.13 $370.43
Non-Wellness $136.11 $374.77 $299.20 $504.59
Tobacco Surcharge $17.31 added per pay period, per tobacco user
HDHP Employee Only Employee + Spouse Employee + Child(ren) Employee + Family
Over $200k
Wellness $109.75 $330.21 $240.54 $407.76
Non-Wellness $174.43 $490.57 $392.27 $604.02
Over $100k
Wellness $92.19 $271.56 $207.98 $342.78
Non-Wellness $147.88 $411.64 $333.28 $508.04
Over $60k
Wellness $76.50 $237.67 $172.81 $301.93
Non-Wellness $129.96 $361.79 $261.19 $457.69
Under $60k
Wellness $62.35 $206.05 $158.41 $284.91
Non-Wellness $108.72 $318.87 $229.89 $409.80
Tobacco Surcharge $17.31 added per pay period, per tobacco user
Plan Documents:
- PPO Summary of Benefits Coverages 1.1.26 - 12.31.26
- PPO Plan Certificate 1.1.25 - 12.31.25
- HDHP Summary of Benefits Coverages 1.1.26 - 12.31.26
- HDHP Plan Certificate 1.1.25 - 12.31.25
Plan Information & Provider Resources:
- Call: (800) 828-3116
- Visit: www.bcbsil.com
- Download: Mobile BCBSIL App
- HDHP Group #PM0023
- PPO Group #PM0025
- Provider Finder
- If you are not currently covered under HALO's Healthcare, you can follow the steps Here.
- Under the "Plans" dropdown, input Participating Provider Option.
Additional Resources: