Medical Coverage
CF Industries partners with Blue Cross Blue Shield of Illinois (BCBSIL) to provide you the option between two comprehensive PPO medical options — the Advantage PPO with HSA and the Standard PPO.
Both plan options include:
- In-network preventive care covered at 100%, no cost to you
- The same network of providers and facilities
- Comprehensive coverage for the same services; you pay the full cost of services until you meet your deductible, which varies based on the option you choose
- Paying 10% of covered services (coinsurance) once you meet your deductible
- Prescription drug coverage provided through Prime Therapeutics
- MDLive virtual care covered at 100%, no cost to you
- Access to Maven and Hinge Health
Advantage PPO with HSA
- The Advantage PPO with HSA has a higher deductible and out-of-pocket maximum.
- The monthly premium is lower in this plan.
- This plan can be paired with a Health Savings Account (HSA).
- CF Industries also contributes to your HSA to help cover eligible medical expenses.
- You can participate in a Limited Purpose HCFSA if you are enrolled in the Advantage PPO with HSA medical option. For more details on a Limited Purpose HCFSA, visit the Flexible Spending Account page.
Standard PPO
- The Standard PPO has a lower deductible and out-of-pocket maximum.
- The monthly premium is higher in this plan.
- This plan cannot be paired with an HSA but is eligible for a general purpose Healthcare Flexible Spending Account (HCFSA).
Virtual Medical Care with MDLive
Virtual visits offer flexibility to receive medical or behavioral health care without an in-person office appointment required. Virtual visits offered by MDLive, and other in-network providers, will be covered under the CF medical plan and subject to deductible and coinsurance. This coverage applies to both medical and behavioral health services. When you use the MDLive service, you will be connected to a board-certified MDLive® doctor or therapist, 24 hours a day, seven days a week, where you can discuss a variety of health concerns or issues and come up with a treatment plan or next steps. They can also write prescriptions and send to a nearby pharmacy, if needed.
Virtual visit doctors and therapists can assist you with the following concerns:
- General Health
- Pediatric Care
- Behavioral Health Counseling
- Allergies
- Cold/Flu
- Anxiety and Depression
- Asthma
- Ear infections
- Sleep Disorders
- Sinus infections
- Pink eye
- Smoking Addiction
Register for an account on the MDLive website or by using their mobile app. Once you create an account, log in to make an appointment, and start chatting with a doctor or therapist. For more details on how to register for an account, click here.
Have additional questions? MDLive’s Customer Service Team at 888.676.4204 can answer any questions you may have on using their services. You can also submit an online form by visiting mdlive.com/bcbsil.
Virtual visits with some BCBS in-network providers may also be covered at 100%. Check with your in-network provider to determine if they are set up as a virtual care provider with 100% coverage.
Get Help Navigating Your Medical Care
If you or your dependents are enrolled in a CF Industries medical plan, Blue Cross Blue Shield Health Advocacy Solutions can help with benefit questions, claims, finding providers, cost comparisons, mental health resources, and more.
Call 888-902-8293 for free, 24/7 support.
- Health Advocates, including Nurseline, are available anytime for general guidance.
- Clinicians are available from 7 a.m. to 6 p.m. CT for complex medical questions, such as new diagnoses or medications.
Even if it’s after hours, advocates can provide resources and guidance to help you navigate the health care system.
Medical Plan Details
| Advantage PPO with HSA | Standard PPO | |||
|---|---|---|---|---|
| In-Network | Out-of-Network | In-Network | Out-of-Network | |
| Annual Deductible | ||||
| Individual | $1,700 | $3,400 | $1,200 | $2,400 |
| Family | $3,400* | $6,800* | $2,400** | $4,800** |
| Annual Out-of-Pocket Limit | ||||
| Individual | $3,400 | $6,800 | $2,700 | $5,400 |
| Family | $6,800 | $13,600 | $5,400 | $10,800 |
| CF Health Savings Account (HSA) Contribution (Prorated for month of hire) |
Initial contribution: $250 individual / $500 family Matching contribution: Dollar-for-dollar up to $500 individual / $1,000 family CF’s initial and matching contributions can offset your deductible by as much as 50% |
Not applicable | ||
| Physician Office Visits | ||||
| Individual | 100% covered, no deductible | 30% after deductible | 100% covered, no deductible | 30% after deductible |
| Primary Care Visit | 10% after deductible | 30% after deductible | 10% after deductible | 30% after deductible |
| Specialist Visit | 10% after deductible | 30% after deductible | ||
| Urgent Care | 10% after deductible | 30% after deductible | ||
| Hospital Care | ||||
| Emergency Room Care | 10% coinsurance after deductible | 10% coinsurance (deductible does not apply) |
||
| Outpatient/Inpatient Services | 10% after deductible | 30% after deductible | 10% after deductible | 30% after deductible |
** When one family member satisfies the individual deductible, the plan pays benefits for that individual. Then any covered family member or any combination of family members can satisfy the family deductible.
Note: An individual may only be insured once under medical, dental or vision coverage as an Employee, Spouse, or Dependent Child. For example, if both you and your spouse work at CF, you cannot cover each other under your medical, dental or vision coverage (i.e. dual coverage is not allowed). Likewise, only one parent can cover your dependent children, not both.
Transparency in Coverage
The link below contains information regarding in-network negotiated rates and out-of-network billed charges and allowed amounts under the CF Industries medical plan, as required to be disclosed effective July 1, 2022, pursuant to the Transparency in Coverage Rule.
Click here to be directed to the BCBS website.
You may contact a BCBSIL Health Advocacy Solutions (HAS) representative at 888.902.8293 if you have any questions or need assistance.