Wellness
All three PPO plans include wellness benefits that pay 100% of in-network eligible charges up to $750 for routine preventive care services for each covered person. This $750 per person preventive care benefit is not subject to your deductible or coinsurance. Preventive care charges in excess of the $750 maximum will be applied to your deductible and coinsurance. Wellness benefits include:
- Routine physical exams (no limit on visits)
- Routine diagnostic tests (lab and x-ray)
- Routine eye exams (includes contact lens fitting and refractions)
- Routine hearing exams
| Examples of Routine Preventive Care | ||
Routine Physical Exam |
Annual Pap Smear |
Annual Fasting Blood Sugar Test |
Blood Pressure Screening |
Well-Baby/Child Care |
Annual Cholesterol Test |
Annual Mammogram |
Annual Prostate Exam |
Routine Lab (blood, urine) Testing |
Clinical Breast Exam |
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In addition, the following wellness benefits are paid at 100% when you visit a network provider. These services do not count toward your annual maximum:
Periodic Preventive Tests and Services
- Payable at 100% with no deductible and no annual maximum.
- Not subject to age or frequency limitations.
Periodic preventive services under the wellness benefit are:
- Routine sigmoidoscopy
- Routine colonoscopy
- Bone mineral density
- Immunizations
Wellness Care Tips
Here are some key things to remember about your wellness benefits through Farm Credit Foundations.
- When you schedule an appointment, be sure to specify it is for a wellness appointment.
- You have $750 available to use for routine/preventive exams and lab work.
- You do not have a copayment for routine/preventive exams and lab work.
- Your preventive exams are not subject to frequency schedules.
- For more information regarding your wellness benefits contact BlueCross BlueShield of Illinois at 1-866-563-8366.