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Discovery of Add-on Benefits in Health Insurance Policies

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Health insurance plans provide more than just coverage for your or someone else’s medical bills. Here are some other benefits that come with your health insurance plan.

Wellness Programs

Most health insurance plans include wellness programs designed to promote healthy behaviors and preventive care. The programs may include wellness screenings, fitness incentives, smoking support and cessation, nutrition counseling, and mental wellness resources.

Preventive Services

Most health insurance includes the payment for certain preventive services without needing to pull money from your own pocket. These services include annual check-ups, various vaccinations, screenings for different health problems, and preventive medicines.

Counseling Services

The realization of the importance of mental health has led most health insurance packages to cover counseling through therapy sessions, treatment by psychiatrists, and treatment for substance abuse.

Personalized Incentives

Some health insurance programs offer discounts on memberships for gyms or fitness clubs, on health-related products, and even on wellness programs. Incentives may also include rewards for participation in healthy behavior programs or reaching wellness goals.

How to Maximize Benefits

To ensure you can fully utilize these extra benefits, get enrolled in wellness programs, use preventive care appointments consistently, and use mental health resources when necessary. Take advantage of the discounts and rewards available with your insurance plan.

By making the most of these additional benefits, you can ensure your total health and well-being, including preventive care and promoting healthy lifestyle choices.

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BlueCross Blue Cross and Blue Shield of Illinois complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.

Blue Cross and Blue Shield of Illinois does not exclude people or treat them differently because of race, color, national origin, age, disability, or sex.

Blue Cross and Blue Shield of Illinois:

  • Provides free aids and services to people with disabilities to communicate effectively with us, such as:
    • Qualified sign language interpreters
    • Written information in other formats (large print, audio, accessible electronic formats, other formats)

  • Provides free language services to people whose primary language is not English, such as:
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    • Information written in other languages

If you need these services, contact a Civil Rights Coordinator.

If you believe that Blue Cross and Blue Shield of Illinois has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can file a grievance with: Civil Rights Coordinator, Office of Civil Rights Coordinator, 300 E. Randolph St., 35th floor, Chicago, Illinois 60601, 1-855-664-7270, TTY/TDD: 1-855-661-6965, Fax: 1-855-661-6960. You can file a grievance by phone, mail, or fax. If you need help filing a grievance, a Civil Rights Coordinator is available to help you.

You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at: