Legacy Healthcare offers comprehensive medical plans through BlueCross BlueShield.

• PPO Plans: these plans let you choose care inside or outside of the network you selected, but you will incur a higher out-of-pocket cost for services.
• HMO Plan: this plan offers a comprehensive, convenient approach, but require that you seek care within the BCBS network.
• HDHP HSA Plans: this plan is a high deductible insurance plan that help protect against large claims as well as to cover preventive care at 100% (deductible is waived for preventive services). If you enroll in this plan, you are eligible to open a Health Savings Account (HSA) which can be used to help pay for qualified medical expenses.

See below for more information.

• PPO Plan 1 (PPO)
• PPO Plan 3 (BCS)
• PPO Plan 4 (PPO)
• HSA Plan (BCS)
• HMO Plan (ADV)

Find a Provider
Log in to bcbsil.com/member. If you have not registered as a member, you can do so now or you can search as a guest. Network names are listed above.

Pharmacy Benefits
Your drug plan is administered by Prime Therapeutics, the pharmacy benefit manager (PBM). Visit Prime Therapeutics at www.myprime.com to search for prescription drugs, find a pharmacy, order mail service refills or new prescriptions online, and much more. BCBSIL has a broad network of contracting pharmacies. To use your benefits, simply find a contracting pharmacy close to you and present your member ID card. (Please note: CVS Pharmacy is not a part of the PPO network).

90DayMyWay - New Benefit!
The 90DayMyWay program with BCBS will save you both time and money. This program requires all covered medications to be filled as a 90-day supply either through select retail pharmacies or through home delivery. Only two 30-day fills are permitted at a retail pharmacy before you are required to move to a 90-day supply.

Because maintaining your smile is important, Legacy offers two dental plans through BlueCross BlueShield. Although you have the option to see any provider you wish, you will receive the best benefits when you choose an in-network dentist.

If you choose to use a dentist that is not part of the network, your benefit will be based on the Usual and Customary (U&C) or contracted allowance for the dental procedure performed. You will be responsible for the charges over the Usual and Customary or contracted allowance in addition to your portion of the coinsurance.

Dental implants are covered under both dental plans. Orthodontia is covered under both plans for Children up to 19 years of age.

On January 1, 2022, all members will receive a refreshed Dental Annual Plan Maximum amount as the new calendar year begins.

To find an in-network dentist near you, go to: www.bcbsil.com/providers/dppo.htm

Just as with medical and dental care, we have selected a comprehensive vision care plan. We are proud to offer Vision benefits through BCBS EyeMed. Although you have the option to see any provider you wish, you will receive the best benefits when you choose an in-network provider.

To find an in-network vision provider near you, go to: eyemedvisioncare.com/bcbsilvis and then select “Provider locator”. Enter your zip code to be connected with eye health experts near you or call 855-362-5539.

Accident Insurance through Cigna can help cover the out-of-pocket costs associated with an accident (24/7/365) by paying you a benefit depending on the injuries you suffer and the treatment you receive. You can use the money as you see fit, whether to pay for expenses associated with your accident, like an emergency room copay or to pay for childcare so you can get to the doctor for a follow-up visit. Elect coverage without answering medical questions.

The policy does not coordinate with any other coverage, so you can still receive benefits on top of what your medical plan provides. Accident Insurance pays you a benefit for events such as ambulance transportation, ER visits, doctor visits and follow-up treatment, fractures and dislocations, burns, surgery, medical appliances, torn cartilage, and more.

MDLive Virtual Visits provide you and your covered dependents access to care for non-emergency medical issues and behavioral health needs. Through your BCBSIL medical coverage, you have 24/7 access to a board-certified doctor for conditions such as allergies, cold and flu, ear problems, anxiety and depression, and more. You can connect with a doctor through the website at mdlive.com/bcbsil or via phone at 888-676-4204.

Includes COVID-19 Benefits!

Critical Illness Insurance from Aetna protects your family and your assets. No one saves to get sick, which is why being diagnosed with a covered condition can be especially draining, both emotionally and financially. The policy provides you with a lump sum cash benefit in the event you or an insured loved one is diagnosed with a covered condition such as cancer, heart attack, stroke, or infectious disease, such as COVID-19 or pneumonia. It can help provide financial protection so you can focus on getting better. The policy also includes a $50 annual health screening benefit when you complete a qualified screening such as a COVID-19 test. Elect coverage without answering medical questions.

If you enroll in the BCBS PPO HSA medical plan, you are eligible for a Health Savings Account (HSA). Legacy will manage your pre-tax payroll deductions for you if you chose to contribute to your account. An HSA is an interest-bearing savings account used to pay for eligible medical, prescription drug, dental, or vision expenses. Over-the-counter drugs and menstrual products are now eligible expenses under the HSA!

Telehealth expenses are now eligible expenses under an HSA. For HSA purposes, these expenses are covered without requiring that the HDHP deductible be met.

All the money in the account is yours to keep, even if you leave or retire from Legacy. At the end of the year, any money in the HSA rolls over to the next year—you never lose it! The 2021 annual maximum contribution is $3,600 for an individual or $7,200 for a family.

You have the option to enhance your medical plan with additional hospital benefits through Aflac. The plan is designed to provide financial protection by paying you a benefit for hospital admission, hospital confinement, and inpatient rehabilitation. You can use this benefit to pay for out-of-pocket expenses and extra bills that can occur as a result of hospitalization due to illness or injury. Elect coverage without answering medical questions.

Basic Life and Accidental Death & Dismemberment (AD&D) Insurance helps provide a foundation of financial protection for your family if something happens to you.

What is Group Basic Life Insurance?

Legacy provides 1x your salary up to $50,000 of life and AD&D coverage to all eligible employees. Group Term Life Insurance pays a benefit to your chosen beneficiary(ies) if you die while you are a member of the group covered by the policy. It does not earn interest and has no cash value but can help protect the financial future of your loved ones.

Group AD&D pays a benefit in addition to your life insurance if you die as the result of a covered accident. It also pays benefits for loss of limb, hearing, speech, sight, and other serious losses resulting from an accident. See your policy documents for details of coverage.

Speak to a benefit counselor to confirm eligibility.

Legacy Healthcare is happy to offer Universal Life Insurance with Living Benefits for Long Term Care from Allstate, which features premiums guaranteed for life and coverage for qualified long-term care expenses like a nursing home, assisted living, or home care. Living benefits for long-term care protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses.

During your new hire enrollment period, you will have the opportunity to elect up to $130,000 in coverage for yourself, $75,000 for your spouse, and up to $20,000 for your child(ren) without answering medical questions. Please see a benefit counselor for more information.

Should fraud or identity theft occur, in-house Privacy Advocates are available 24/7 to fully restore compromised identities, even if the fraud or identity theft occurred prior to enrollment. And with a $1million identity theft insurance policy — including reimbursement for HSA and 401(k) accounts, part of PrivacyArmor Plus — you can rest assured that your identity is fully protected.

Voluntary Term Life from Aflac helps ensure that your family will have financial security even if something happens to you. The plan provides term life insurance coverage that can be customized to fit your needs. Coverage is available for you, your spouse, and your dependents. During your new hire enrollment period, you can elect up to $100,000 in coverage without answering medical questions.

Legacy values your health and wellness needs, which is why we offer several programs designed to support you on your wellness journey. See below to learn more about the awesome benefits available to you. 

Wellness Programs Available to PHMP Members:

Legacy Healthcare is providing a group Home and Auto policy from MetLife. To receive your personalized quote please call 844-569-3607.

• Qualify for a group discount of up to 15% off your policy.
• Earn an additional discount when you pay your premium through automatic payroll deduction.
• Receive extra savings if you’ve been with Legacy for a long time.
• Save more with MetLife's superior driver discount.
• Choose from a variety of insurance policies to meet your coverage needs including personal excess liability, boat, condo, renter’s, motor home, recreational vehicle, and motorcycle.

Get the Help You Need

Your work-life balance Employee Assistance Program (EAP) - provided at no additional charge through Legacy's insurance benefit plan - can help you find solutions to everyday challenges of work and home, and more serious issues involving emotional or physical well-being. 

Our EAP program covers face-to-face sessions, and unlimited telephonic and online access 24-hours a day, seven days a week. What you discuss is always confidential in accordance with professional ethics and federal state laws. 

Call: 844-862-0894
TTY: 800.697.0353
Online: guidanceresources.com
App: GuidanceNow
Web ID: LegacyAssist

Legacy Cares Fund
Administered by Emergency Assistance Foundation, Inc. 

The Legacy Cares Fund was created to help employees who are facing financial hardship immediately after a natural disaster or an unforeseen personal hardship. The Fund relies primarily on individual donations from employees and support from Legacy Healthcare to fund this program. Every contribution helps and when combined with the donations of others can provide a tax-free grant (USA) to help a fellow employee in need when they are facing the unexpected. Click here to learn more. 

Speak to a benefit counselor to confirm eligibility. 

Our Travel Resource Services provider, Assist America, offers round-the-clock emergency and information services that can help you access emergency assistance when you are traveling 100 or more miles away from home.

• Medical referral
• Medical monitoring
• Emergency medical evacuation
• Foreign hospital admission assistance
• Medical repatriation
• Prescription assistance

Travel Emergency Assistance

• Compassionate visit
• Care of minor children
• Evacuation transport for a family member
• Return of mortal remains
• Other services include:
• Return of vehicle
• Legal and interpreter referrals
• Pre-trip information

Mobile app: Covered members will be able to access Travel Resource Services on a mobile device through the Assist America app.

This benefit is offered to all members insured under the life program (and their spouse and children) when traveling more than 100 miles away from their place of residence.