How the Maroon Plan Works

Advantages of Using In-Network Providers

Your health care costs are less by using an in-network provider. Visiting in-network providers offers several advantages, including:

Health care providers who belong to the network must meet high standards.

Network providers charge discounted rates for services and cannot charge more than the eligible or allowable charges.

Your Coinsurance for most in-network services is less. If you do not use the network, you pay more in Coinsurance plus an added Deductible for each Hospital admission.

To find out if your doctor or Hospital is in this network, visit Blue Cross Blue Shield of Illinois’ website at www.bcbsil.com. To find out if your pharmacy is in the network, visit Caremark at www.caremark.com. Participating provider directories are also furnished directly by Blue Cross Blue Shield or Caremark without charge as a separate document.

While this Summary Plan Description summarizes the major provisions of this plan, it does not provide you with every plan detail. The plan documents, which govern this plan, provide full details. If there are any discrepancies between this Summary Plan Description and the legal plan documents, the legal plan documents control.