To download a temporary ID card, download the BCBSIL App to your mobile phone or by texting BCBSILAPP to 33633.
You can also view your information online through Blue Access for Members. Visit bcbsil.com/member from your mobile phone.
Summary of Benefits & Coverage
Watch the video below to learn about the benefits of an HSA!
Additional Resources
If you take ongoing (maintenance) medications for conditions like high blood pressure, diabetes, or asthma, a new rule will apply:
What you need to do:
CVS Caremark is our pharmacy benefit manager for prescriptions. Click here to download the list of preventative services.
Symbria offers dental coverage through Blue Cross Blue Shield.
How the DPPO Plan Works
A DPPO allows the flexibility to select any dentist in-network or out-of-network. The plan pays a higher level of benefit when you go to a dentist who is contracted with the BlueCare Dental PPO Network. If you go to an out-of-network dentist, your benefits will be based on 80% of reasonable and customary (R&C) charges for a particular service in your area. If the dentist charges more than 80% of R&C, you will be expected to pay the difference.
Blue Cross BlueShield PPO dentists have agreed to charge BCBS plan members significantly reduced rates. Blue Cross Blue Shield PPO has a national network of more than 139,000 dentists. That’s 40% more providers than most large dental networks.
Out-of-Network dentists can charge whatever they like for their services. The plan will only pay benefits up to Blue Cross Blue Shield’s approved fee. If your non-Blue Cross Blue Shield dentist charges you more than the approved fee, you will have to pay the difference. Also, you may have to pay the full bill upfront. You will then submit a claim to Blue Cross Blue Shield to be reimbursed for the covered portion of the charges.
Additional Resources
Symbria offers vision coverage through EyeMed. Vision insurance helps offset the costs of routine eye exams and also helps pay for vision correction eyewear, like eyeglasses and contacts, that may be prescribed by an eye-care provider. By accessing in-network vision providers, you're able to reap the benefit of true vision insurance coverage. You are now able to either (1) utilize the frame allowance and lens copay in the same calendar year or (2) utilize the contact lens allowance and frame allowance (including the 20% discount on lenses) in the same rolling 12 months. You are not able to get contacts and utilize the lens copay for your frames in the same rolling 12 months.
Out-of-network providers merely offer you an allowance towards your vision services. If you go out-of-network for your services, you will pay the entire cost up front and then file a claim with EyeMed to get reimbursed for your services up to the allowance listed below.
Eye-care providers include many independent optical shops and national chains. Some examples include LensCrafters, Pearle Vision, Target Optical and many others.
Additional Resources
Symbria offers Legal Insurance through MetLife. Legal insurance helps you address everyday situations like dealing with traffic tickets, resolving warranty issues or buying a home. With MetLife, you will receive in-office services, telephone advice and various online resources. Here is what you can expect when you select the plan:
* Limitations and exclusions apply. For terms, benefits or exclusions, call the MetLife toll-free number.
Additional Resources
Symbria offers Nationwide Pet Insurance and Pawp Pet Assistance Program.
Nationwide
Symbria offers Pet Insurance through Nationwide to help you cover veterinary expenses so you can provide your pets with the best care possible, without worrying about the cost. Nationwide has made their pet insurance plans even better. Available only through workplace benefit programs, My Pet Protection ChoiceSM comes in your choice of two ready-made employee plans or an all-new customizable option not previously available. Coverage included for accidents, illnesses, cancer, hereditary & congenital conditions, and a wellness option for your pet’s healthcare needs - including avian and exotic pets!
Employees receive discounted premium through My Pet Protection ChoiceSM . Choose between two ready-made plans or customize coverage levels up or down, so you are paying only for what you need.
Obtain a quote and enroll anytime online at www.petinsurance.com/symbria.
Additional Resources
Pawp Pet Support
Pawp fills in the gaps of your pet's care with their continuous care model’s focus on 360° whole pet health. Whether you need a gut check, can’t get an appointment, or just want expert advice - they’ve got your back. Pawp focuses on providing pets with continuous care for longer, healthier lives. With an annual membership, you’ll always have someone fighting in your pet’s corner.
Sign up at www.pawp.com and use the promo code: SYMBRIA to get access to the discounted price.
What if you could do more to help prepare yourself for a potential cancer diagnosis? Symbria offers Advantage DNA, a proactive, personalized program designed to help save lives. It combines cash benefits offered by Chubb Benefits, with Kadance’s precision health insights for medication optimization and access to the latest advances for individuals’ cancer journey - services not typically covered by major medical plans.
*this product is not available to dependent children
Available to you Day 1:
Pharmacogenomic (PGx) testing to help identify which medications may be most effective for you based on your DNA
Hereditary Cancer Risk Test
Genetic Counseling
Cash Benefits:
Diagnosis cancer benefit: $5,000 Employee / $5,000 Spouse
Skin Cancer benefit: $250
Carcinoma In Situ benefit: $1,250
If you are diagnosed with a covered cancer:
Oncology Nurse Navigator
Second opinion pathology review
Genetic tumor testing
Clinical trial evaluation and enrollment support to access new precision cancer treatments
Personalized treatment recommendation report
DNA-based recurrence monitoring
Recurrence Benefit provides access to all the above if an employee’s cancer returns
Additional Resources:
Basic Life and AD&D Insurance
Symbria offers and pays the cost of Basic Life/AD&D Insurance through MetLife. This helps ease your loved ones’ financial burden should something happen to you. Your designated beneficiary will receive a benefit if you pass away. In addition, Accidental Death and Dismemberment (AD&D) provides a second benefit to your beneficiary if you pass away or become dismembered as a result of a covered accident. Always make sure your beneficiaries are updated. Please refer to your benefit guide for more information.
Your Basic Group Term Life Insurance Includes:
Voluntary Term Life and AD&D Insurance
Symbria offers Voluntary Term Life/AD&D insurance through MetLife. This coverage allows you to purchase additional coverage at your own financial expense to ease your loved ones’ financial burden if something should happen to you. If you purchase coverage on yourself, you’re also eligible to purchase coverage for your family members.
An employee’s maximum benefit election cannot exceed 5x their basic annual earnings. A spouse’s maximum election cannot exceed 100% of what the employee takes out on themselves.
Your Voluntary Group Term Life Insurance Includes:
LifeTime Benefit Term Insurance with Long Term Care Coverage through Chubb provides permanent, flexible protection. The policy’s living benefits provide financial support to cover the cost of long-term care you might need as a result of an accident, illness, or aging. As life insurance, LifeTime Benefit Term protects your family with money that can be used any way they choose like your mortgage or rent, education for children, retirement, and final expenses.
Symbria offers Voluntary Accident coverage through MetLife. Accident coverage pays a cash benefit directly to you to help with out-of-pocket expenses when an accident occurs. Accidents are unexpected, so a lump sum payment can help pay medical costs. Here are some, certainly not all, ways that you can trigger payments from your accident policy:
Ambulance: Pays a specific benefit amount for ambulance or air-ambulance transportation to a hospital
Hospital confinement: Pays a specific benefit amount for each day the policyholder is confined in a hospital due to injuries sustained in a covered accident
Note, this Voluntary Accident 24-hour coverage applies to accidents that occur both on and off the job.
Additional Resources:
Symbria offers Voluntary Critical Illness coverage through MetLife. Critical Illness insurance can help safeguard your finances by providing you with a lump-sum payment upon diagnosis for many conditions when your family needs it the most.
Additional Resources:
Symbria offers Voluntary Hospital Indemnity insurance through MetLife. Hospital Indemnity insurance protects your family when you have a hospital or ICU stay. This policy provides financial protection by paying you a benefit for hospital admission, hospital confinement and ICU care. This policy can complement existing medical coverage and help fill financial gaps caused by out-of-pocket expenses such as deductibles, co-payments, and non-covered medical services. Benefits are paid directly to covered employees to spend as they choose, based on admission and length of stay for a defined number of days. The benefits are paid regardless of what is covered by medical insurance.
Additional Resources:
Symbria offers an Employee Assistance Program (EAP) now through TELUS. EAP service offers caring and professional assistance for a broad range of concerns. Services are confidential - neither your employer nor co-workers have knowledge of your request for help. EAP services are available 24 hours a day, 7 days a week for you and your eligible dependents. There is no cost, it’s just there for you when you need it.
Possible reasons to call can include:
Need some more specialized face-to-face assistance? Our EAP program includes up to 5 in-person, phone or video consultations with licensed counselors for you and your eligible household members per year.
We are happy to announce a new partnership with Livongo Health. BCBS members with hypertension may be eligible to receive a blood pressure monitor and support to include 1:1 coaching with real-time support. Livongo also provides a diabetes management program that includes an advanced blood glucose meter, unlimited test strips, and real-time support from certified diabetes educators. Hypertension and diabetes programs are available at no cost to you if you qualify. Call 800-945-4355 to see if you qualify.
We are excited to announce a benefit for mental health and wellness! Modern Health is a free personalized mental health benefit designed to support your emotional, professional, social, physical, and financial health — all in a single, secure platform.
Find care that’s right for you:
Modern Health is available at no cost to all full-time and part-time employees, their spouses and dependent children.
Additional Resources:
