ITW offers three medical plan options. You decide which one works best for you and your family. To get started, take a closer look at how the plans compare.
Compare the Plans
Overview
All three plans use the same medical provider network (Blue Cross Blue Shield) and prescription drug provider (CVS Caremark). You can use any provider you choose, but you save more in all three plans when you use an in-network provider because you receive discounted pricing. All plans cover preventive care — eligible routine services, including wellness-related lab tests and cancer screenings — at no cost to you when you use in-network providers. All the plans cover the same services, like doctor visits, hospital care, lab work and X-rays. And they all cover preventive generic medications at no cost to you. But what and how you pay for care are different.
Protect Yourself and Others with the COVID-19 Vaccine
It’s safe, effective and covered 100%. When you’re fully vaccinated, you’re doing your part to protect yourself, your family, your coworkers and your community.
Plan Features
| HealthSaver | PPO1 | PPO2 |
|---|---|---|
| Payroll Deductions | ||
| Lowest | Highest | Lower than PPO1 Higher than HealthSaver |
| Deductibles and Out-of-Pocket Maximums | ||
| Highest | Lowest | Higher than PPO1 Lower than HealthSaver |
| Tax-Advantaged Accounts | ||
Comes with a Health Savings Account (HSA) with ITW contributions:
|
You can enroll in a pre-tax Health Care Flexible Spending Account (FSA) to pay for out-of-pocket medical expenses (ITW doesn’t contribute to this account). | You can enroll in a pre-tax Health Care Flexible Spending Account (FSA) to pay for out-of-pocket medical expenses (ITW doesn’t contribute to this account). |
| What You Pay | ||
| The full cost of most medical care and most prescriptions until you meet your deductible, then you and ITW share costs.
Eligible in-network preventive care and preventive generic medications are covered at 100%. |
For most medical care: Either a copayment or the full cost of care until you meet your deductible. Then you and ITW share costs.
For most prescriptions: Either a copayment or percentage of the cost. Eligible in-network preventive care and preventive generic medications are covered at 100%. |
For most medical care: Either a copayment or the full cost of care until you meet your deductible. Then you and ITW share costs.
For most prescriptions: Either a copayment or percentage of the cost. Eligible in-network preventive care and preventive generic medications are covered at 100%. |
See How the Medical Plans Compare
How the Plans Work
HealthSaver
You pay for care.
You pay the full cost of most care and prescriptions until you meet the deductible (the amount you pay before ITW starts to share the cost of most services with you).
You can open a Health Savings Account (HSA).
ITW will contribute up to $500 (if you cover yourself only) or up to $1,000 (if you cover one or more family members).* You can contribute, too.
You can pay for care with money from your HSA, or you can pay out of pocket and save your HSA money for later. The choice is yours.
You get free preventive care.
In-network preventive care and preventive generic medications are covered 100%.
* Prorated for enrollment after January 1.
PPO Plans
You pay for care.
You pay the full cost of most care until you meet the deductible (the amount you pay before ITW starts to share the cost of most services with you).
The exception: You pay a copayment (flat dollar amount) for in-network doctor office and virtual visits — without meeting the deductible.
You can enroll in a pre-tax Health Care Flexible Spending Account (FSA).
Use it to pay for out-of-pocket medical expenses (ITW doesn’t contribute to this account).
You get free preventive care.
In-network preventive care and preventive generic medications are covered 100%.
HealthSaver
You and ITW share costs.
Once you meet the deductible, you pay a percentage of the cost — 20% in-network and 40% out-of-network — for most eligible expenses. That percentage is your coinsurance. ITW pays the rest.
PPO Plans
You and ITW share costs.
Once you meet the deductible, you pay a percentage of the cost — 20% in-network and 40% out-of-network — for most eligible expenses. That percentage is your coinsurance. ITW pays the rest.
For emergency or hospital care, you will pay a copayment and coinsurance — even after you meet the deductible.
HealthSaver
ITW pays 100% of remaining costs.
There’s a limit to how much you have to pay toward eligible expenses during the year — called the out-of-pocket maximum. If you reach the out-of-pocket maximum, ITW will pay 100% of eligible expenses for the rest of the year.
PPO Plans
ITW pays 100% of remaining costs.
There’s a limit to how much you have to pay toward eligible expenses during the year — called the out-of-pocket maximum. If you reach the out-of-pocket maximum, ITW will pay 100% of eligible expenses for the rest of the year.
Note: There are separate maximums for medical care and prescription drugs.
Benefits Value Advisor
Contact a Benefits Value Advisor at Blue Cross Blue Shield to understand your plan benefits, get estimates on costs for services, find in-network providers and even have appointments scheduled for you. Call a Benefits Value Advisor at 1.800.325.0320.
What You Pay When You Need Care
| HealthSaver | PPO1 | PPO2 | |
|---|---|---|---|
| Deductible | |||
| Individual | |||
| In-Network | $1,900 | $500 | $1,000 |
| Out-of-Network | $3,800 | ||
| Family | |||
| In-Network | $3,800 | $1,000 | $2,000 |
| Out-of-Network | $7,600 | ||
| Preventive Care (eligible routine services, including wellness-related lab tests and cancer screenings) | |||
| In-Network | No cost to you (if billed for an office visit, see office visits below) | No cost to you (if billed for an office visit, see office visits below) | No cost to you (if billed for an office visit, see office visits below) |
| Out-of-Network | 40% after deductible | 20% (no deductible) | 20% (no deductible) |
| MDLIVE (virtual office visits) | |||
| In-Network | 20% after deductible | $25 copayment | $35 copayment |
| Out-of-Network | Not applicable | Not applicable | Not applicable |
| Primary Care Physician Office Visit | |||
| In-Network | 20% after deductible | $25 copayment | $35 copayment |
| Out-of-Network | 40% after deductible | 40% after deductible | 40% after deductible |
| Specialist Office Visit | |||
| In-Network | 20% after deductible | $40 copayment | $50 copayment |
| Out-of-Network | 40% after deductible | 40% after deductible | 40% after deductible |
| Hospital Stay (precertification required for out-of-network stays) | |||
| In-Network | 20% after deductible | 20% after $250 copayment plus deductible | 20% after $250 copayment plus deductible |
| Out-of-Network | 40% after deductible | 40% after $250 copayment plus deductible | 40% after $250 copayment plus deductible |
| Outpatient Surgery | |||
| In-Network | 20% after deductible | 20% after deductible | 20% after deductible |
| Out-of-Network | 40% after deductible | 40% after deductible | 40% after deductible |
| Diagnostic Tests (lab, X-ray and imaging, such as an MRI or CAT scan) | |||
| In-Network | 20% after deductible | 20% after deductible | 20% after deductible |
| Out-of-Network | 40% after deductible | 40% after deductible | 40% after deductible |
| Chiropractic Care (up to 20 visits per year per person) | |||
| In-Network | 20% after deductible | 20% after deductible | 20% after deductible |
| Out-of-Network | 40% after deductible | 40% after deductible | 40% after deductible |
| Physical, Occupational and Speech Therapy (up to a combined maximum of 60 visits per year per person) | |||
| In-Network | 20% after deductible | 20% after deductible | 20% after deductible |
| Out-of-Network | 40% after deductible | 40% after deductible | 40% after deductible |
| Emergency Room (ER) | |||
| In-Network | 20% after deductible | 20% after $150 copayment plus deductible | 20% after $150 copayment plus deductible |
| Out-of-Network | 20% after deductible | 20% after $150 copayment plus deductible | 20% after $150 copayment plus deductible |
| Annual Out-of-Pocket Maximum | |||
| Individual | |||
| In-Network | $4,900 | $2,500 | $4,100 |
| Out-of-Network | $9,800 | $4,800 | $7,500 |
| Family | |||
| In-Network | $9,800 | $5,000 | $8,200 |
| Out-of-Network | $19,600 | $9,600 | $15,000 |
Covering Family? Know How the Family Deductible Works
All three plans have separate individual and family deductibles. The individual deductibles work the same, but the family deductibles work differently.
- HealthSaver: If you have family coverage, there is no individual deductible. The entire family deductible must be met before expenses are paid for any covered family member. However, if you enroll in any level of family coverage, the in-network family out-of-pocket maximum is $9,800, but no individual will pay more than $4,900.
- PPO1 and PPO2: If a family member meets the individual deductible, the plan will start to pay benefits for that family member — even if the family deductible hasn’t been met. Once the family deductible is met, the plan will pay benefits for all covered family members.
What You Pay to Have Coverage
Here are the 2022 biweekly payroll deductions for each medical plan. You pay the lower Living Well at ITW rates if you:
- Completed all Gateway Activities by September 30, 2021
- Were hired (or newly benefits eligible) on or after June 2, 2021
| HealthSaver | PPO1 | PPO2 | ||||
|---|---|---|---|---|---|---|
| Standard | Living Well | Standard | Living Well | Standard | Living Well | |
| Employee Only | $46.32 | $11.90 | $97.12 | $48.82 | $60.26 | $20.00 |
| Employee + Spouse/Domestic Partner | $107.54 | $51.86 | $194.36 | $137.98 | $133.90 | $77.52 |
| Employee + Child(ren) | $75.84 | $32.82 | $162.64 | $106.26 | $108.32 | $54.82 |
| Family | $131.56 | $75.18 | $269.02 | $212.64 | $168.18 | $111.80 |
Live Well & Pay Less for Medical
ITW offers programs and resources to help you be healthy and productive at work and at home. Participate for better health and ITW incentives, including lower Living Well at ITW medical plan rates.
HSA vs FSA. What’s the Difference?
ITW offers two tax-advantaged accounts to help you pay for health care expenses:
HSA (Health Savings Account)
Use It or Save It
The HSA comes with the HealthSaver Plan. ITW will contribute money into your HSA that you can use to pay for health care expenses for you or your eligible dependents. You can contribute pre-tax money into your HSA, too. Unlike the Health Care FSA, the money in your HSA (both ITW’s contribution and your own) will carry over from year to year and you can save it to use anytime — even in retirement.
Health Care FSA (Flexible Spending Account)
Use It or Lose It
You can enroll in the Health Care FSA if you enroll in one of the PPO Plans or opt out of medical coverage. You can contribute pre-tax money to the account (ITW doesn’t contribute to this account) to pay for eligible health care expenses for you or your eligible dependents. However, if you don’t use the money by the FSA deadline each year, you’ll lose it. So, you have to plan carefully.
Contacts
ITW Benefits Service Center
Health and life enrollment
Log on to ITW Employee Self-Service, then click on the Health & Life Elections icon under the Benefit Provider Websites dropdown.
Blue Cross Blue Shield
Speak to a Benefits Value Advisor to understand how your medical plan works, compare costs for medical services, find in-network providers and check on claims
24/7 Nurseline: 1.800.299.0274
Log on to ITW Employee Self-Service, then click on the Medical (BCBS) icon.
MDLIVE
Virtual office visits (visit a doctor online using your smartphone, tablet or computer)
CVS Caremark
Get cost estimates, check on prescriptions, order refills
Log on to ITW Employee Self-Service, then click on the Prescriptions icon under the Benefit Provider Websites dropdown.
CVS Caremark CoPay Calculator
Get cost estimates, find generic alternatives
HealthSaver Plan CoPay Calculator
(Before deductible)
HealthSaver Plan CoPay Calculator
(After deductible)