Blue Cross BlueShield of Illinois
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BlueCross BlueShield of Illinois - SelectTemp PPO Plan


SelectTemp PPO Overview

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SelectTEMP PPO is an affordable short-term health insurance plan from Blue Cross Blue Shield of Illinois that provides individuals and families essential protection against unexpected accidents or illness. This plan utilizes the Blue Cross Blue Shield PPO network of doctors and hospitals and provides coverage from 1 month - 11 months.

SelecTEMP PPO is your temporary health insurance solution if you are:

  • Experiencing a gap in employer coverage or can't afford COBRA.
  • Waiting for employer coverage to begin.
  • Between jobs or laid off
  • Losing dependent status
  • Looking for a lower-cost alternative to COBRA
  • Recently graduated and still seeking your dream job.
  • Age 64 and about to retire, but not yet eligible for Medicare.

SelecTEMP PPO covers many of the most costly health care services, including:

  • Access to the Blue Cross Blue Shield of Illinois PPO network, the largest PPO network in Illinois that includes over 90% of doctors and 96% of hospitals
  • Inpatient and outpatient medical, surgical and hospital services.
  • Diagnostic services.
  • Emergency care
  • Office visits
  • Prescription drug coverage
  • Physical, occupation and speech therapy

Who is eligible for SelecTEMP PPO?

  • Illinois residents at least 60 days of age and under 65 years of age
  • Non-expectant parents
  • U.S. citizens or non-U.S. citizens living in the United States for at least two years (a copy of your Alien Registration Receipt Card must be submitted with your application)

Short Term Medical vs COBRA

A short term health plan is an excellent alternative to expenseive COBRA premiums for most healthy individuals. Individuals who will need (or soon need) medical care for an exisiting chronic medical condition should elect COBRA since short term medical insurance does not cover pre-existing conditions.

SelectTemp PPO uses the BlueCross and BlueShield of Illinois PPO Network: the largest PPO network in Illinois that includes over 90% of doctors and 96% of hospitals. The network allows you to save on premiums and the cost of covered services when you use a contracting BCBSIL hospital, doctor or specialist. You do not need to select a primary care physician or obtain a referral to see a specialist.

Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Illinois family.

SelectTemp PPO Costs

Health insurance costs include monthly premium payments, individual/family deductibles, out-of-pocket expenses, copayments, and coinsurance. Here is what you can expect with SelectTemp PPO® plans:

  • Individual deductibles for individuals ranging from $500 to $2,500
  • Family deductibles ranging from $1,000 to $5,000 (2x individual)
  • You pay 20% coinsurance of services provided in-network, after the deductible
  • Annual out-of-pocket maximum of $1,000 for individuals and $2,000 for families of 2 or more individuals

By using a contracting BCBS PPO hospital, doctor or specialist you are able to save on premiums and the cost of covered services. You do not need to select a primary care physician or obtain a referral to see a specialist.

For more information on costs, get a quick quote or see the benefit summary.

What's Included with SelectTemp PPO®

  • Coverage for major hospital, medical, and surgical expenses
  • Coverage for daily hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in-hospital medical services, and out-of-hospital care
  • Although you can go to the hospitals and doctors of your choice, your benefits under a SelecTEMP PPO plan will be higher, and your costs lower, when you use the services of participating PPO providers that includes over 90% of doctors and 96% of hospitals in Illinois.
  • As with all individual Blue Cross and Blue Shield of Illinois plans, the freedom of not having to select a primary care doctor or obtain a referral to see a specialist
  • Choice of deductible amount, payment type and length of benefit period (one to six months)
  • Blue Extras discount program

Prescription Drug Coverage

  • For the SelectTemp PPO plans, there is a prescription drug card benefit that pays for 80% of prescriptions after satisfying the deductible up to a $500 maximum. All prescription costs incurred go towards satisfying the medical deductible.
  • Your benefit plan includes a mail service program that offers you the convenience of having covered maintenance medications delivered directly to you.

Plan Renewals

  • SelecTEMP PPO is a short term health insurance plan for individuals and families who need temporary coverage.
  • If you need temporary coverage for an additional period of time, you may apply for a second contract term.
  • If accepted, any pre-existing condition incurred during the first contract will not be covered with the new contract.
  • If you need a long-term health insurance solution, please consider our other individual and family coverage options.

For more information on renewability, view this SelecTEMP PPO Outline of Coverage  document.

What if I don't know how long I need coverage?

If you are between jobs and not sure how long you need short-term health insurance, you can apply for the maximum length of coverage (180 days). If you obtain health insurance coverage from another source such as an employer before your 180 days of coverage expires, you can cancel your Select Temp policy at any time and BCBSIL will reimburse the amount of unsused coverage.

For example, if you purchased a policy for 180 days and obtained coverage from an employer after 90 days, BCBSIL will reimburse the unused 90 days of coverage if you cancel your short-term policy on the 90th day of coverage.

Please be aware that BCBSIL requires the full premium amount for the length of the policy at the time your application is submitted.