OSF HealthPlans is committed to providing healthcare coverage with a very personal touch. When you choose OSF HealthPlans for your health insurance, you are assuring yourself of:

• A high level of coverage at a reasonable rate
• Emergency care anywhere at any time
• Preventive care to help you stay healthy in the long run
• A wide choice of quality physicians
• Freedom from paper work when using participating physicians
• An easy-to-use health plan with prompt, friendly service, plus,
• The freedom to choose any provider at the time medical care is needed.

We encourage you to read the information contained on this page and ask the questions you need answered to make an informed decision. We welcome the opportunity to serve you.

A Preferred Provider Organization (PPO) is a network of health care providers who agree to provide their services for negotiated fees. You benefit through reduced health care expenses because your portion of the costs are based on these fees.

The PPO also allows you freedom to choose any recognized physician or hospital whenever you need medical treatment. So, if you are at home or on vacation, you can visit any recognized physician or hospital, including specialists.

OSF HealthPlans carefully selects providers to participate in our plans. We strive to provide the highest quality providers to serve you. Our goal is for a stable, distinguished network dedicated to providing quality care.

When you visit a provider in our network, you will pay less out-of-pocket than if you visit a provider that is not in our network.

To find the most recent listing of our participating providers please click HERE.

Under your OSF HealthPlans PPO coverage, you and your dependents are assured of emergency and out-of-area urgent care at all times. Examples of emergencies include, but are not limited to, heart attacks, poisoning, loss of consciousness or respiration, convulsions, broken bones and severe bleeding. An urgent care situation is considered to be a sudden onset of a condition that is expected to worsen if not attended to immediately.

OSF HealthPlans provides the same coverage for true emergencies and urgent care whether it is received from a participating or non-participating provider.

Prescription drug benefits are part of your PPO coverage. As an OSF HealthPlans member, you will receive a Caremark identification card. If you would like information on pharmacies, you can call Caremark at 800-966-5772.