Loyola University Chicago

Human Resources

Health Insurance

‌‌Loyola University Chicago offers a choice of health, dental and vision plans as part of a high-quality benefits package that helps you stay well and protect yourself and your family.
  • New employees have 31 days from the date of hire to enroll in the medical plan, along with other benefits options.
  • Current employees can make changes to their benefit elections during the Annual Open Enrollment Period each fall or 31 days from the date of a qualifying life event (e.g. birth of a child, loss of coverage, etc.)
Helpful links:
 Alex Image
‌Questions about your benefits? Talk to ALEX!

ALEX is an interactive decision-support tool that acts as an informative, virtual benefits counselor to help you learn more about Loyola University Chicago's comprehensive benefits in a personalized way. The benefits of using ALEX include:

  • ALEX speaks in plain English – no insurance jargon
  • The experience is highly interactive and engaging
  • ALEX personalizes and customizes each session
  • It feels like you’re having a real conversation with a benefits expert
  • ALEX can be accessed anytime, anywhere there’s an internet connection
  • It’s totally anonymous! You are not enrolling in benefits, just discovering all of the options
Loyola Medical Plan Options
‌Loyola University Chicago provides medical coverage for employees through the Loyola PPO 1 Plan (formerly the Loyola University Advantage Plan), the PPO 2 Plan, and the PPO 3 HSA Plan. The plans do not require you to sign up with a particular hospital or physician when you enroll. Each time you need care, you can visit any doctor or hospital you choose, but you receive a higher level of benefits if you choose a home hospital or BCBSIL network provider.  For complete information on the Loyola medical plan options, please see the Benefits Booklet, located in the Resources section (upper right).
  • How can I get a new ID card? If you’ve misplaced or lost yours, you can print a temporary card or request a new one in Blue Access for MembersSM (BAM)or call BCBSIL customer service at 866.266.3674.
    • PPO 1 Plan Group ID #: 200864
    • PPO 2 Plan Group ID #: 208490
    • PPO 3 HSA Plan Group ID #: 226497
  • To find out if a particular hospital or physician is a part of the PPO network, contact Blue Cross Blue Shield Member Services at 866.266.3674 or http://bcbsil.com/providers.
    • You can search from this website by selecting "Plan Networks" and selecting Participating Provider Option [PPO]. You can search by state, ZIP code or address. If looking for a doctor at the Loyola Medical Center (Home Hospital), please search by the main hospital address or by ZIP code.
MDLIVE - Telemedicine
Board Certified doctors can visit with you either by phone or secure video to help treat any non-emergency medical conditions.
  • MDLIVE doctors can diagnose your symptoms, prescribe medication, and send prescriptions to your pharmacy of choice.
  • The virtual visit will only cost you $44. Plus, it allows you to connect with a doctor in the comfort of your home or office without needing a pre-scheduled appointment.
  • Contact MDLIVE at MDLIVE.com/LUC, download the MDLIVE App from the App Store, Google Play or Windows Store, or call 800.770.4622.
 
BCBS Contact Information
BCBSIL Customer Service: 866.266.3674
Access BCBSIL online:  Blue Access for Members(SM) (BAM)
PPO 1 Group ID #: 200864
PPO 2 Group ID #: 208490
PPO3 HSA Group ID #: 226497
Loyola Advantage PPO Plan Insurance Cards
Faculty and staff newly enrolled in the Loyola Advantage PPO plan will receive their insurance cards in the mail 2-3 week after enrollment.
  • If you need a new or additional card(s) at any time, contact Blue Cross Blue Shield IL directly at 866.266.3674 or Blue Access for Members(SM) (BAM).
  • Please provide the group number when requesting a Temp ID card or additional/replacement card.
    • PPO 1 group number: 200864, PPO 2 group number: 208490, PPO 3 HSA group number:  226497
  • Card(s) are issued in policy holder name only, and not in dependent names.

CVS Caremark Prescription Drug Insurance Cards
If you need a new or additional card(s) at any time you can print a temporary card or request a new one online at www.Caremark.com or call customer service at 888.202.1654.

  • If you do not have your card, you can use the following information to obtain a prescription: Reference RX BIN#:  004336 and GROUP#:  RX0804.
  • Card(s) are issued in policy holder name only, and not in dependent names.
Contraceptive Prescriptions
In order to obtain contraceptive prescriptions, you will need to obtain and utilize a separate RX bin # and ID #, along with a SEPARATE ID card from CVS. The RX bin # is: 004336 and the Group # is: RX3923
  • Contact 1-888-924-8738 to enroll in the Contraceptives Coverage and receive your separate ID card.
  • For a list of covered contraceptives, please refer to the Preventative Care Contraceptive List.
NOTE: Effective January 1, 2018, CVS Caremark can provide client's with a 30-day retail supply for contraceptives.
 
Below are common preventive care services that Loyola medical plans cover at 100% when you receive these services from a participating provider.
  • When you see your doctor for a preventive care visit, be sure to specify that your visit is for preventive care or wellness, as covered under the plan.
  • If your doctor discusses other preventive care or wellness services not listed below, be sure to ask if the service is covered at no additional cost.
Breastfeeding support, supplies and counseling Pap Smear*
Health Counseling for Sexually Transmitted Infections
and HIV
Colonoscopy*  Physical Exam* Health Education/Counseling Services
Obesity Screening and Counseling Prostate Test* Screening and Counseling for Domestic Violence
*Routine exams are covered as preventive care services, however diagnostic exams will apply toward your annual deductible.
Your plan covers emergency medical care for the initial treatment of a sudden and unexpected medical condition which has such severe life-threatening symptoms that the absence of immediate emergency medical attention could result in serious or permanent medical consequences. It also covers emergency accident care and related diagnostic services when initiated within 72 hours of the accidental injury.
  • All emergency room visits (including at a home hospital) are subject to a $150 per-visit copay.
CVS Caremark manages your prescription benefits just like your health insurance company manages your medical benefits. Outpatient prescriptions (mail order and specialty) must be filled through CVS Caremark. Retail pharmacy prescriptions can be filled at CVS, Walgreens, Target, Walmart, and many more participating pharmacies. You will receive a separate prescription drug ID card from CVS Caremark. For complete information on Prescription Drug Coverage, please see the Benefits Booklet, located in the Resources section (upper right).
 
Register online with CVS Caremark at www.caremark.com to:
  • Locate pharmacies (60,000+)
  • Check plan coverage
  • Print a temporary card or request new/additional card(s)
  • Set up access for family members
  • Set up shipping/billing/payment information
  • Check medication costs
  • A complete list of what drugs are excluded
How can I get a new or additional ID card? You can request a card to be mailed to your home online at www.caremark.com, or call customer service at 888.202.1654. You may also download the CVS Caremark mobile app to access a digital copy.  If you do not have your card, you can use the following information to obtain a prescription: Reference RX BIN#: 004336 & GROUP#: RX0804
 
Call CVS Caremark customer service:  888.202.1654
*SPECIAL NOTE ABOUT PRESCRIPTIONS FOR CONTRACEPTIVES:  In order to obtain these prescriptions, you will need to obtain and utilize a separate RX bin # and ID #, along with a SEPARATE ID card from CVS Caremark. The RX BIN # is: 004336 and the Group # is: RX3923. Contact 888.924.8738 to enroll in the Contraceptives Coverage and receive your separate ID card.

**SPECIAL NOTE ABOUT PPO 3 HSA:  If you enroll in PPO 3 HSA, the medical and prescription drug has a combined deductible. Certain preventive generic drugs may be covered before meeting the deductible. Review the Preventive Therapy Drug List for more information.

Review Prescription (Rx) Plan FAQs

Loyola University Chicago is a Catholic institution, and has a (birth control coverage) exemption as a "religious employer" and prescriptions for contraceptives are excluded on the Loyola medical plan. However, there is a program available whereby you can obtain certain contraceptive prescriptions at no cost to you, as part of the Affordable Care Act. 

YOU NEED TO ENROLL IN A SEPARATE PROGRAM TO GET THE BENEFIT:
  • In order to obtain contraceptive prescriptions, you will need to obtain and utilize a separate RX bin # and ID #, along with a SEPARATE ID card from CVS. The RX bin # is: 004336 and the Group # is: RX3923
  • Contact 1-888-924-8738 to enroll in the Contraceptives Coverage and receive your separate ID card.
  • For a list of covered contraceptives, please refer to the Preventative Care Contraceptive List.
NOTE: Effective January 1, 2018, CVS Caremark can provide client's with a 30 day retail supply for contraceptives.
Medical plan participants are eligible to utilize a number of Blue365 discounts offered through Blue Cross Blue Shield Illinois:

If you have additional questions regarding Alex, or benefits provided at Loyola, please feel free to contact the Benefits team.

When You Need Health Care Outside the U.S.
Always carry your Blue Cross Blue Shield identification card. Check with BCBSIL before leaving the U.S. because your health care benefits may be different outside the U.S.
 
Emergency Care
If you need emergency medical care, go to the nearest hospital. If you are admitted, call the BCBS Global Core Service Center at (800) 810-BLUE (2583) or call collect at 1.804.673.1177.
 
Non-Emergency Care
If you need non-emergency inpatient medical care, you must call the BCBS Global Core Service Center.
  • The Service Center will facilitate hospitalization at a Global Core hospital or make an appointment with a doctor.
  • It is important that you call the BCBS Global Core Service Center in order to obtain cash-less access for inpatient care except for your usual out-of-pocket expenses (e.g., deductible, coinsurance).
  • The Service Center is staffed with multilingual representatives and is available 24-hours-a-day, seven days-a-week.
Call BCBSIL for pre-certification or prior authorization, if necessary. Refer to the phone number on the back of your ID card.
  1. Annual Deductible – The amount you have to pay each year before the plan starts paying a portion of expenses. Most covered expenses count toward the annual deductible. Prescription drugs do not count toward PPO 1 or PPO 2 medical deductibles. Prescription drugs do count toward the deductible in PPO 3 only.

  2. Annual Out-of-Pocket Maximum – Total amount you pay out of pocket each calendar year before the plan pays 100 percent of covered expenses for the rest of the calendar year. Expenses paid to satisfy the annual deductible count toward the annual out-of-pocket maximum. Most covered expenses count toward the out-of-pocket maximum, except prescription drugs if you are covered under PPO 1 or PPO 2 (which have a separate out-of pocket maximum).

  3. Coinsurance – A percentage of a claim you pay after you meet the annual deductible.

  4. Copayment (copay) – A fixed dollar amount you pay for emergency room visits and hospital admissions.

  5. Home Hospital – Loyola University Health System or Gottlieb Hospital.

  6. PPO (Preferred Provider Organization) – A network of doctors, hospitals and other health care givers. All of Loyola's medical plans use the Blue Cross Blue Shield network.
Learn how to make benefit elections in Employee Self-Service: Enrollment Guide - Employee Self-Service
Edited: 11/10/16, 12/20/16, 12/21/16, 02/24/17, 12/8/17, 12/11/17, 1/5/18, 3/21/19