Medical and Pharmacy
Medical
IMEG’s group medical insurance covers hospitalization, medical and prescription expenses of an employee and their family, check it out at bcbsil.com or kp.org.
At IMEG, you have the choice of choosing between three plans — a traditional PPO plan and a high deductible HSA plan through Blue Cross Blue Shield of Illinois, or an HMO plan through Kaiser Permanente (click on the benefits guide button for cost and details).
Traditional (PPO) Plan
The individual deductible is $1,250, while the family deductible is $3,750. Once the deductible is met, the member pays 20% coinsurance until they hit the out-of-pocket maximum. The individual out-of-pocket maximum is $4,000, while the family has a 3 times cap. Once you reach the out-of-pocket maximum, the plan pays 100% of the costs of services. Under the traditional PPO plan, preventive care is paid in full. A physician office visit is subject to a $30 copay and pharmacy charges have various copayments depending on the type of drug that you select. This plan taps into the Blue Cross nationwide network of providers — the largest provider network in the nation.
High Deductible Health Plan (HDHP)
As the name implies, the deductible is higher than the traditional plan. The individual deductible is $3,300 while the family deductible is $6,600; however, preventive services are payed in full. Everything else under the high deductible plan, is subject to the deductible, coinsurance, and out-of-pocket maximum. This is different from the traditional plan because in the high deductible plan copays do not apply. All charges first go toward meeting that deductible. Although that deductible is higher, as you’ll notice in your benefits guide, this plan’s premium is less. If you enroll in the high deductible heath plan, you have the option of opening up a health savings account (HSA). Check out more information in the HSA tab.
HMO Plan — Kaiser Permanente (California)
The HMO plan is through Kaiser Permanente. In 2025, this plan has a $750 individual and $1,500 family deductible. Copays apply to the various types of services that you have. The key tradeoff on an HMO is that typically you have lower out-of-pocket expenses when you incur services; however, you must be comfortable that the provider count is more limited. For example, if you happen to travel a lot this may not be the plan for you.
Download Kaiser Permanente App
It’s easy to connect to care, get helpful resources, and more. All in one place. Whenever you need it.
Use the Kaiser Permanente app to easily:
- Check most lab results
- Email your doctor’s office with non-urgent questions
- Refill most prescriptions
- Schedule routine appointments
- Pay medical bills
- Find doctors and locations
Kaiser Permanente Video Visits
Video Visits are easy and getting set up takes just a few minutes. Watch this video for step-by-step instructions on how to prepare for your visit.
Download Blue Cross Blue Shield of Illinois’ App:
You can access all your carrier tools on your smart phone. Follow this link for more information or to sign up: https://www.bcbsil.com/mobile/.
MDLIVE
Getting sick after hours or on weekends used to mean a lengthy, costly trip to the emergency room or urgent care center. With MDLIVE, you can see a board-certified doctor 24/7/365 — and you don’t have to leave the comfort and convenience of your own home! MDLIVE allows you to consult a doctor for non-emergency situations by phone, mobile app, or online video, anywhere! If necessary, prescriptions can be sent to your local pharmacy.
You can use MDLIVE:
- Instead of going to the ER or an urgent care center for a non-emergent issue.
- During or after normal business hours, nights, weekends and even holidays.
- If your primary care doctor is not available.
- If you are traveling and in need of medical care.
- The amount you pay to use MDLIVE is considerably lower than the average cost of an in-person doctor visit.
Don’t forget to sign up at mdlive.com/bcbsil today!
Embedded Deductible
IMEG’s plans provide embedded deductibles and out of pocket maximums to help families. Check out this video to learn more.
Included Health
Thanks to IMEG, you’ve got your own personal care team on call to get you the best possible healthcare — at no cost to you. Want peace of mind that you have the right diagnosis or treatment path? All you have to do is activate your account: includedhealth.com/imeg.
Included Health is here to make healthcare easier. We start by building a team of experts, shaped around you. Our doctors, nurses, and care coordinators join forces to get you the best care out there. And the best part is, it won’t cost you a single dime. We’ll find you a top doctor who’s in-network, nearby and accepting new patients.
- We’ll answer your medical questions. Our world-class medical team helps you understand your health concerns to start feeling better.
- We’ll get you an expert second opinion. We listen to you, gather your medical records and get a top doctor for your condition to review your case.
Get expert health advice on your phone, on your sofa. Chat or call Included Health experts with no appointments or time limits. Ask about a new medical condition. Even get matched to a top doctor in your network and neighborhood.
Getting Started Is Easy
- Download the Included Health app, available on the Apple App Store (iOS) and Google Play Store (Android), visit includedhealth.com/imeg or call 800.929.0926 between 8 a.m.-9 p.m. ET.
- Login to your account (or activate your account; it’s provided by IMEG at no additional cost to you).
- Connect with your personal care team.
Included Health is available to U.S. employees and eligible dependents who are enrolled in the IMEG medical plan.
Pharmacy
Pharmacy and Prescription Plan Information
Prescription drugs are a vital part of your healthcare coverage. If you have prescription drug coverage through Blue Cross and Blue Shield of Illinois (BCBSIL), this information can help you and your doctor get the most from your prescription drug coverage. If you are a BCBSIL member, log in to Blue Access for Members (BAMSM) to check your drug list and learn more about your prescription drug benefits. Be sure to review your benefit materials for details. If you have any questions about your prescription drug benefits, call the number on your member ID card.
IMEG offers the BCBSIL HDHP Preventive Drug Benefit which allows certain preventive drug categories to be covered at 100%. You must be enrolled in the HDHP to receive this benefit. You may visit Blue Access for Members at bcbsil.com for more information (login or register as a new user).
IMEG offers the Extended Supply Network, which is available so you may receive convenient 90-day supplies of your medicine.
Pharmacy Updates
- For those members on the $3,300 HDHP, only the amount you pay out-of-pocket for a covered prescription drug may apply to your deductible and yearly out-of-pocket maximum. The amount offset by a coupon or copay card will not apply.
- When you fill a prescription at a network pharmacy and you request a covered brand name drug where a generic equivalent is
available, you will pay your regular drug copay/coinsurance in addition to the difference in cost between the generic and brand-name drug. - Save money on your medicine by using FlexAccess™ a program that helps you find cost assistance (coupon) programs to help cover the cost of your medicine(s). Members on the PPO currently utilizing an eligible drug will receive a letter from BCBSIL with more information.
See your benefit materials for details on prescription drug benefits. If you have questions about your benefits, call the number on your member ID card.
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