Medical Coverage
Protection for you and your family for everyday health issues or when unforeseen problems occur.
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
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.
Please note: You can still participate in a Limited Purpose HCFSA even 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 Flexible Spending Account (FSA).
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 at 100% with no deductible or coinsurance under your CF medical plan. 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.
Medical Plan Details
| Advantage PPO with HSA | Standard PPO | |||
|---|---|---|---|---|
| In-Network | Out-of-Network | In-Network | Out-of-Network | |
| Annual Deductible | ||||
| Individual | $1,600 | $3,200 | $1,100 | $2,200 |
| Family | $3,200* | $6,400* | $2,200** | $4,400** |
| Annual Out-of-Pocket Limit | ||||
| Individual | $3,200 | $6,400 | $2,600 | $5,200 |
| Family | $6,400 | $12,800 | $5,200 | $10,400 |
| 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 |
* If you have family coverage, any covered family member or combination of family members must satisfy the family deductible before the plan pays benefits, even if only one person uses the plan.
** 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.
FSAs
CF Industries partners with Fidelity Reimbursement Account Services (Fidelity) to administer our three Flexible Spending Account options — the Health Care Flexible Spending Account (HCFSA), the Limited Purpose Health Care Flexible Spending Account (Limited Purpose HCFSA) and the Dependent Care Flexible Spending Account (DCFSA). Learn more
HSAs
A Health Savings Account (HSA) is a tax-favored personal savings account that works with the Advantage PPO with HSA medical plan. Use your HSA funds to pay for qualified eligible medical expenses such as deductibles, coinsurance, copays, dental and vision care. Learn more
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: ASOMRF | Blue Cross and Blue Shield of Illinois (bcbsil.com). You may contact a BCBSIL Health Advocacy Solutions (HAS) representative at 888.902.8293 if you have any questions or need assistance.