Compare the Plans

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.

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

Edit
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:

  • Employee-only coverage: Up to $500
  • If you cover one or more family members: Up to $1,000
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

 HealthSaverPPO1PPO2
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-NetworkNo 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-Network40% after deductible20% (no deductible)20% (no deductible)
MDLIVE (virtual office visits)
In-Network20% after deductible$25 copayment$35 copayment
Out-of-NetworkNot applicableNot applicableNot applicable
Primary Care Physician Office Visit
In-Network20% after deductible$25 copayment$35 copayment
Out-of-Network40% after deductible40% after deductible40% after deductible
Specialist Office Visit
In-Network20% after deductible$40 copayment$50 copayment
Out-of-Network40% after deductible40% after deductible40% after deductible
Hospital Stay (precertification required for out-of-network stays)
In-Network20% after deductible20% after $250 copayment plus deductible20% after $250 copayment plus deductible
Out-of-Network40% after deductible40% after $250 copayment plus deductible40% after $250 copayment plus deductible
Outpatient Surgery
In-Network20% after deductible20% after deductible20% after deductible
Out-of-Network40% after deductible40% after deductible40% after deductible
Diagnostic Tests (lab, X-ray and imaging, such as an MRI or CAT scan)
In-Network20% after deductible20% after deductible20% after deductible
Out-of-Network40% after deductible40% after deductible40% after deductible
Chiropractic Care (up to 20 visits per year per person)
In-Network20% after deductible20% after deductible20% after deductible
Out-of-Network40% after deductible40% after deductible40% after deductible
Physical, Occupational and Speech Therapy (up to a combined maximum of 60 visits per year per person)
In-Network20% after deductible20% after deductible20% after deductible
Out-of-Network40% after deductible40% after deductible40% after deductible
Emergency Room (ER)
In-Network20% after deductible20% after $150 copayment plus deductible20% after $150 copayment plus deductible
Out-of-Network20% after deductible20% after $150 copayment plus deductible20% 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
 HealthSaverPPO1PPO2
StandardLiving WellStandardLiving WellStandardLiving 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.

 

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