We are committed to helping you take control of your health—and what you spend on it. That's why we offer you the choice of three medical plans, each with different features designed for different needs:
Do the Math!
Watch this brief video for highlights on the Consumer 2250 and 3000 Plans with HSA.
Consumer 2250 Plan with HSA
Consumer 3000 Plan with HSA
The Consumer 2250 Plan and Consumer 3000 Plan are Consumer-Driven Health Plans (CDHPs). With a CDHP, you pay less out of your paycheck and you’re required to meet a higher deductible before the plan shares the cost of your eligible health care expenses.
You also have access to a valuable tax-advantaged savings account for your health care expenses—the Health Savings Account (HSA).
Key Features
Lower premiums, higher deductible
your deductible is higher, but you have lower premiums
No cost in-network preventive care
you pay nothing for in-network annual physicals, immunizations, well-woman exams, routine cancer screenings and more
The HSA is tax-free
- Participants can use their HSA to pay for eligible health care expenses and help save on taxes
- As an added bonus, TreeHouse may also contribute to your account—contributions are based on your annual base salary and the medical plan you choose
- The money in your HSA is always yours to keep
- Spend the money now or in retirement—there is no tax penalty so long as you use the funds to pay for qualified health care expenses
How the Plans Work
- You pay your initial medical and prescription drug costs until you meet the annual deductible (with the exception of preventive care, which is included at no cost
- Once the deductible is met, you and the plan share costs until you meet your out-of-pocket maximum. This is your coinsurance
- If you meet the out-of-pocket maximum, the plan pays 100% of your eligible expenses for the rest of the year
Offered through: Blue Cross Blue Shield of Illinois. Can be used with: Health Savings Account (HSA) and the Dependent Care Flexible Spending Account (FSA)
A Note About Deductibles
When you cover family members in the Consumer 2250 and Consumer 3000 Plans, your family’s combined health care costs are used to meet the deductible. The individual deductible applies only if you elect single coverage. In these plans, prescription drug costs also count toward the deductible and the out-of-pocket maximum.
TreeHouse PPO Plan
With the TreeHouse PPO Plan, you pay more out of your paycheck, but typically less when you receive care. That’s because the TreeHouse PPO Plan offers a lower annual deductible and copays for some services.
Key Features
Higher premiums, lower deductible
you pay more out of each paycheck for a plan that covers more of your upfront out-of-pocket costs when you need care
No cost in-network preventive care
you pay nothing for in-network annual physicals, immunizations, well-woman exams, routine cancer screenings and more
How the Plan Works
- For routine physician and specialist office visits, and certain prescription drugs, you’ll pay copays—a flat dollar amount—before meeting your deductible (with the exception of no-cost preventive care)
- For other services, you pay your initial costs until you meet the annual deductible
- Once the deductible is met, you and the plan share in the costs until you meet your out-of-pocket maximum—this is your coinsurance
- If you meet the out-of-pocket maximum, the plan pays 100% of your eligible expenses for the rest of the year
Offered through: Blue Cross Blue Shield of Illinois. Can be used with: Health Care Flexible Spending Account (FSA) and the Dependent Care FSA.
A Note About Deductibles
When you cover family members in the TreeHouse PPO Plan, each family member has his/her own, $750 deductible. If one family member satisfies the $750 individual deductible, the plan will begin to pay coinsurance on that family member only. Any additional expenses for that individual will not count toward the family deductible. In order for the rest of the family to meet their deductible, their combined expenses must total at least $750 to reach the $1,500 family deductible. Here’s how deductibles work in the TreeHouse PPO Plan:
- Let’s say you and your spouse have a daughter and you have elected family coverage in the PPO Plan
- Your daughter breaks her leg and has $750 in medical expenses
- Her individual deductible is met so the medical plan will share her expenses for the rest of the year
- You and your spouse will not have met your deductibles until your combined expenses reach $750
- At that point, the three of you, together, will have reached the family deductible of $1,500
In the TreeHouse PPO Plan, prescription drug expenses do not count toward the deductible.
Glossary
How the Medical Plans Compare
Know your plan options by comparing your plan options. Here's how they compare:
| Consumer 2250 Plan with HSA | Consumer 3000 Plan with HSA | TreeHouse PPO Plan | |
|---|---|---|---|
| HSA Eligible | Yes | Yes | No |
| Preventive Care | Eligible in-network are at 100% | Eligible in-network are at 100% | Eligible in-network are at 100% |
| In-Network | |||
| Annual Deductible Individual/Family | $2,250/$4,500 | $3,000/$6,000 | $750/$1,500 |
| Annual Out-of-Poket Maximum (combined medical an prescription) Individual/Family | $4,500/$9,000 | $6,000/$12,000 | $3,000/$6,000 |
| Plan Coinsurance (Plan Pays) | 90% | 80% | 80% |
| Office Visits Primary Care/Specialist | After deductible, plans pays 90% | After deductible, plans pays 80% | After deductible, plans pays 80% |
| Telemedicine | $48 | $48 | $0 |
| Emergency Room Treatment | After deductible, plans pays 90% | After deductible, plans pays 80% | $200 copay; plan pays 80% |
| Hospitilization Inpatient/Outpatient | After deductible, plans pays 90% | After deductible, plans pays 80% | After deductible, plans pays 80% |
| Blue Distinction Centers+ | After deductible, plan pays 100% | After deductible, plans pays 90% | After deductible, plans pays 90% |
| Prescription Drug Coverage | |||
| Retail Prescription (30-day supply) | |||
| Generic | After deductible, plans pays 80% | After deductible, plans pays 80% | $10 copay |
| Formulary Brand | After deductible, plans pays 80% | After deductible, plans pays 80% | 35% ($20 min./$75max.) |
| Non-formulary | After deductible, plans pays 80% | After deductible, plans pays 80% | 55% ($35 min./$75max.) |
| Mail Order Prescription (90-day supply) | |||
| Generic | After deductible, plans pays 80% | After deductible, plans pays 80% | $20 copay |
| Formulary Brand | After deductible, plans pays 80% | After deductible, plans pays 80% | 35% ($40 min./$150max.) |
| Non-formulary | After deductible, plans pays 80% | After deductible, plans pays 80% | 55% ($70 min./$150max.) |
The amounts shown are for eligible, in-network care and services. For additional details, including information on out-of-network benefits coverage, download the BCBS Guide with SBCs.
Find Your Best Match
Use the TreeHouse Plan Comparison Tool to see which plan best fits your needs.
Transparency in Coverage
The Transparency in Coverage Final Rules require certain group health plans to disclose on a public website information regarding in-network provider rates and historical out-of-network allowed amounts and billed charges for covered items and services in two separate machine-readable files (MRFs). BlueCross BlueShield (BCBS) creates and publishes the MRFs on behalf of TreeHouse. Note: the format (.JSON) of these files is intended to be read by a machine and is likely not compatible with common user interfaces. BCBS creates and publishes the MRFs on behalf of TreeHouse. To link to the Machine-Readable Files, please click here.
You can see any provider you choose, but keep in mind you’ll typically pay less when you visit a Blue Cross Blue Shield in-network provider. Blue Cross Blue Shield has negotiated discounted rates for most services; and the amount you will pay in coinsurance will be less when care is received in-network.
Here’s how to find in-network providers:
- Visit www.bcbsil.com or call your Benefits Value Advisor (BVA) at 1-800-548-1686
- Under "Find Care," click "Find a Doctor or Hospital."
- Then, you can either click "Member Login" or "Search as Guest."
- Select the "Participating Provider Organization (PPO)" plan/network and enter your city, state or ZIP code.
Don’t Have a Designated Doctor? You Should. Here’s Why.
Better health. Getting the right health screenings each year can reduce your risk for many serious conditions. Preventive care is free, so there’s no excuse to skip it.
A healthier wallet. Having a designated doctor whom you see regularly may help you avoid costly trips to the emergency room and can help you to decide when you really need to see a specialist.
Peace of mind. Advice from someone you trust—it means a lot when you’re healthy. It’s even more important when you’re sick. Your designated doctor gets to know you and your health history and can help coordinate the care you need.
All TreeHouse medical plans include Prescription Drug Coverage through CVS/caremark, one of America's largest prescription drug retailers and pharmacy benefit managers. If you elect medical coverage, separate ID cards for your medical coverage and your prescription drug coverage will be mailed to your home.
Your coverage includes retail and mail order benefits. Here are ways to learn more:
- For information on ACA coverage of preventive services, download this list from CVS/caremark
- For detailed information on prescription drugs, including coverage for out-of-network benefits, download the BCBS Guide with SBCs
- To find a network pharmacy in your area, use the CVS/caremark pharmacy locator
- Stay on track and save with the Savings Advisor tool on Caremark.com
Your Prescription Drug Expenses Count!
In the Consumer 2250 and Consumer 3000 Plans, your eligible prescription drug out-of-pocket expenses count towards satisfying your medical plan deductible and annual out-of-pocket maximum.
In the TreeHouse PPO Plan, your eligible prescription drug out-of-pocket expenses (copays and coinsurance) will count towards your annual out-of-pocket maximum only.
Many preventive drugs are covered at the 20% coinsurance amount prior to meeting the deductible. Review the Preventive Therapy Drug List to learn more.
Be sure to keep this information in mind when you are determining the best medical plan for your situation.
Programs to Help You Save
- Rx Savings Solutions: Helps you discover opportunities to save on your current prescriptions. You can use the search portal to find the best prices, plus receive alerts on new ways to save money. Activate your free account today at myrxss.com.
- Maintenance Choice Program: Helps you save on maintenance medications. Visit caremark.com or download the CVS mobile app.
- Prudent Rx: Helps you manage specialty drug costs. Prudent Rx will contact you directly if you qualify.
TreeHouse Foods provides the following additional medical benefits to help you balance the demands of work, family and home.
MDLIVE
MDLIVE offers another way to access a health provider for anyone covered under a TreeHouse medical plan. With MDLIVE, you have 24/7/365 on-demand access to a national network of doctors and pediatricians.
MDLIVE is an on-demand service that allows you to speak with a doctor or therapist in real-time by secure online video, phone or e-mail. A national network of board-certified doctors and licensed therapists are available around the clock to assist with your non-emergency medical conditions including questions about a diagnosis, recommended treatments and prescriptions.
You should consider MDLIVE if:
- You are considering the emergency room or an urgent care facility for a non-emergency medical issue
- Your primary care physician is not available
- You want to consult a health care professional from home, while traveling or at work
- You need heath care assistance outside of normal business hours, including during holidays
- You are looking for a convenient and cost-effective option for consulting a doctor or therapist.
| Receive assistance and treatment for many ailments, including: | |
|---|---|
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To register, call 1-888-676-4204 or visit MDLIVE at www.MDLIVE.com/BCBSIL.
24/7 Nurseline
Health happens – good or bad, 24 hours a day, seven days a week. That's why BCBSIL has registered nurses waiting to talk to you whenever you call 24/7 Nurseline.
Their nurses can answer your health questions and try to help you decide whether you should go to the ER or urgent care center or make an appointment with your doctor. You can also call the 24/7 Nurseline whenever you or your covered family members need answers to health questions about:
- Asthma
- Dizziness or severe headaches
- Cuts or burns
- Back pain
- High fever
- Sore throat
- Diabetes
- A baby's nonstop crying
- And more!
Plus, when you call, you can access an audio library of more than 1,000 health topics—from allergies to surgeries—with more than 500 topics available in Spanish.
You can call the 24/7 Nurseline toll-free at 1-800-299-0274.
Blue Care Connection Health Advantage Services
At TreeHouse, we recognize that health problems can have a tremendous impact on your life—both at work and outside of work. That's why we are pleased to offer the Blue Care Connection Health Advantage Services program to employees covered by a TreeHouse medical plan. With this program, you will be assigned a Personal Health Clinician (PHC) to assist you and your covered family members with a variety of health care related issues. A PHC can:
- Answer questions about a diagnosis, health conditions or treatment plan
- Help you find an in-network provider (a doctor or specialist) that meets your needs
- Provide post-emergency room support to make sure necessary follow-up care is received and to help avoid future emergency room visits
- Help you prepare for an upcoming hospital stay or surgery, including planning for any follow-up care
- And more!
Blue Care Connection Health Advantage is available at no cost. However, you will need to pay for services from your health care provider as required by your health insurance plan. All services and communication is confidential. Employees who qualify for Blue Care Connection Health Advantage Services will be contacted directly by the program. Or for questions, call 1-800-635-1928.
Key Features
Eligibility
Health Advantage services are available to you and your family including your spouse, children, parents and parents-in-law
Cost
Health Advantage is available at no cost, but you will need to pay for services from your health care provider as required by your health insurance plan
Availability
PHCs are available from 8 a.m. to 7 p.m. EST, with staff on call after hours
Confidential
All communication is confidential—call 1-800-635-1928 toll-free to get connected to your own PHC
BlueCard Worldwide
You’re never far from health care services—even when you’re far from home. Through the BlueCard Worldwide program, you have access to doctors, hospitals and other health services in nearly 200 countries and territories around the world.
How It Works
- Before you leave home, contact Blue Cross Blue Shield of Illinois for coverage details—your coverage outside the United States may be different
- Always carry your Blue Cross Blue Shield of Illinois ID card with you
- In an emergency, go directly to the nearest hospital
The BlueCard Worldwide Service Center is available 24/7: Toll-free 1-800-810-BLUE (2583) | Collect 1-804-673-1177
When to Call
- You need a doctor, hospital or medical assistance: An assistance coordinator, working with a medical professional, will arrange a physician appointment or hospital stay
- You need inpatient care: After calling the Service Center, you should also call Blue Cross Blue Shield of Illinois Customer Service for precertification or pre-approval—you’ll find the telephone number on the back of your ID card
Paying for Care
- Participating BlueCard Worldwide hospitals - in most cases, the hospital should submit the claim on your behalf
- Doctors and/or non-participating hospitals - you will need to pay upfront, complete a BlueCard Worldwide international claim form and send it with your bill(s) to the BlueCard Worldwide Service Center
Claim Forms and Filing
International claim forms are available at www.bcbsglobalcore.com. The mailing address is provided on the form.
- If the BlueCard Worldwide Service Center arranged your hospital stay, the hospital will file your claim—you will need to pay the hospital for the usual out-of-pocket expenses
- If outpatient and doctor care, or inpatient care, are not arranged through the BlueCard Worldwide Service Center, you must file the claim—you will need to pay the health care provider and submit an international claim form with the original bill(s)
Download the BlueCard Worldwide flyer for full details.
With TreeHouse benefits, you have the opportunity to cover your spouse, but if you do, it increases costs—for you and TreeHouse. If your spouse is eligible for comprehensive employer-subsidized medical coverage elsewhere but enrolls in the TreeHouse Plan, you will share the additional cost of coverage through higher paycheck premiums. This means you will pay an additional $100 per month to cover a spouse who has access to medical insurance through his or her employer.
If you do elect to cover your spouse with TreeHouse medical benefits, you will be required to certify whether he or she does or does not have access to other medical coverage. You will be asked to indicate this during the enrollment process in Workday. You are able to change this election at any time during the year if your situation changes.
Note: If you have questions about eligibility for TreeHouse benefits, please see your HR manager.
Meet Your Benefits Value Advisor!
Making the right decisions on where to go for care can be difficult and confusing – AND COSTLY! TreeHouse offers the BVA as a resource to help you get quality health care services at cost-effective locations. In addition, you may even earn a cash reward!
What Do I Need to Do?
Any time you need to schedule an appointment or procedure that is NOT PREVENTIVE such as an MRI, back/shoulder/knee surgery, CAT/CT Scans, Endoscopy or Colonoscopy procedures or a visit with a specialist, call your Benefits Value Advisor, or BVA, first.
Benefits Value Advisor can assist with the following:
- Help you find high-quality, low-cost health care providers near you.
- Schedule your appointments and coordinate pre-authorizations.
- Email you educational videos on procedures and treatment options.
- Assist with any other customer service questions.
What are Member Rewards?
In addition to the money you can save in coinsurance, you may earn a CASH REWARD if you select a lower-cost, quality provider from the several possibilities your BVA can offer you! You can get rewarded twice!
Member Rewards—combined with Provider Finder, the nationwide database of independently contracted health care providers—can help you:
- Compare costs and quality for numerous procedures.
- Estimate out-of-pocket costs.
- Earn cash while shopping for care.
- Save money and make the most efficient use of your health care benefits.
- Consider treatment decisions with your doctors.
To make living with diabetes easier, TreeHouse offers the Next Generation Transform Diabetes Care Program, a more complete approach to managing diabetes.
You get a customized care plan that includes:
- Blood glucose monitoring
- Medication review to help make sure you’re taking the right medications
- Help staying on track with your medications
- Assistance with lifestyle changes and managing comorbidities
And valuable resources to help you take care of your health:
- Pharmacist counseling in person or by phone
- Consultations at CVS HealthHUB or MinuteClinic locations
- Important information by phone, email or text message
If you are managing diabetes, you are automatically enrolled in this program. CVS will contact you to get started. You can also use the CVS Health Tracker app to monitor your progress. Learn more.