Medical Plans

Choosing a Plan: Decision Support Tool

When you go online to the ZONE to enroll, be sure to check out Zebra’s health plan decision support tool. The tool is easy to use and will help you make the right medical enrollment election for you.

Using Your Plan: Garner

Zebra provides access to Garner, an innovative benefit that works alongside our medical plan. Garner helps you find the highest quality doctors within your BCBSIL plan network, known as Top Providers, in your area and will reimburse you for eligible expenses when you visit them.

The Garner Concierge team can help you understand your healthcare benefits, find a Top Provider for yourself and your family, and answer questions about claims.

Reimbursement:

• Amount: Up to $1,000 per year for Employee Only coverage and $2,000 per year for all other coverage tiers
• Eligible expenses: Copays, deductible, and coinsurance costs at a Garner Top Provider
• If enrolled in Basic HSA or Advantage HSA plan, you are eligible for reimbursement after you incur $1,650 for Employee Only coverage or $3,300 for all other coverage tiers

Get started: Download the Garner app from Google Play or the Apple App Store and create your account. You can contact the Concierge team through the app, by phone at 1-866-761-9586 or email at concierge@getgarner.com.

Learn more: Zebra Garner orientation, how to use your Garner benefit, how to find a provider, how to view benefit details, how to set up direct deposit

Review each BCBS plan’s in-network benefits by clicking the tabs below.

Note: If you see an out-of-network provider, you will pay a higher deductible and the plan will pay 60% of most expenses once you meet your deductible.

*If costs for one family member reach the individual out-of-pocket maximum allowed by the plan before the family out-of-pocket maximum has been met, the plan will begin to pay 100% of costs for that individual.

**Certain services are covered with no deductible. For some other services, a copay may be required.

***Click here for more information on how much you can contribute to your Health Savings Account (HSA).

Plan Details

Annual Deductible: The amount you pay before coinsurance begins (when the plan shares the cost of healthcare services).

• Basic HSA and Advantage HSA: Family deductible; coinsurance begins when the family’s combined expenses reach the deductible amount.
• Advantage PPO: Individual deductibles; coinsurance begins for each individual (up to three) when his or her expenses reach the deductible amount.    

Out-of-Pocket Expense Limit: The most you’ll pay for eligible healthcare expenses in a year before the plan pays 100% of eligible expenses.  

• Basic HSA and Advantage HSA: Includes medical/prescription drug deductible and coinsurance payments. The plan pays 100% of costs after one family member reaches the limit.
• Advantage PPO: Includes medical deductible, copays and coinsurance. The plan pays 100% of costs for each person (up to three) when he or she reaches the limit.

No-Cost Employee Coverage

Get employee only coverage in the Basic HSA Medical Plan with no payroll deductions as a new hire. For future years, you must complete the annual Health Check included in the Well Track program by November 30 to earn the $600 premium reduction.

ID Cards

When you enroll in a Zebra BCBS medical plan for the first time or change medical plans, you will receive a medical ID card from BCBS and a prescription ID card from Express Scripts in the mail at your home address. You may also access your ID cards through the BCBS and Express Scripts mobile apps.

Provider Networks

When looking for a doctor on the www.bcbsil.com website, the provider network for these plans is the Participating Provider Organization network (unless you are seeking care in Wisconsin or Georgia). For Wisconsin, the provider network is Blue Preferred POS. For Georgia, the provider network is Blue Open Access POS.

Reimbursement of Travel Expenses to Receive Healthcare

If you are enrolled in a Zebra BlueCross BlueShield medical plan and do not have access to an in-network doctor or facility within 100 miles of your home, Zebra’s medical plan will reimburse eligible transportation and lodging expenses for travel that is necessary to obtain covered services.

• Transportation: Round trip air, train, bus, taxi/ride sharing services, rental car, tolls, gas, and parking are eligible for reimbursement. Mileage reimbursement reflects the IRS medical mileage reimbursement rate ($0.21 per mile for 2024).
• Lodging: Up to $50 per night for the patient plus an additional $50 per night for one companion (two companions if the patient is under age 18).

Travel benefits are limited to a maximum of $4,000 annually. You will need to submit receipts to BlueCross BlueShield for reimbursement.