Medical Plan Options

 

Caterpillar offers comprehensive medical benefits to meet your and your family’s needs. 

Refer to your Benefit Summary and/or your HR representative to confirm which plans are available to you.

Contacts

UnitedHealthcare (UHC)
1-866-228-4215
Mon-Fri, 7 a.m. - 5p.m. CT
myuhc.com

Blue Cross Blue Shield 
(BCBS)
1-844-228-2227
24-hour assistance
bcbsil.com/caterpillar

BCBS National Caterpillar NetWork
1-888-228-1120
Mon-Fri 7 a.m. - 7 p.m. CT
myBlueElementIL.com

Medical Plan Options and Summary

 

Depending on your group, we are pleased to offer these four options:

Traditional plan options
Consumer Directed Health Plans (CDHPs), which include a tax-advantaged Health Savings Account
  • Blue Cross Blue Shield National

  • UnitedHealthcare (UHC) Choice Plus 

  • UHC Consumer Choice — CDHP

  • UHC Consumer Max — CDHP


 


 

Medical, Dental and Vision Coverage are Bundled Together
If you enroll in a Caterpillar medical plan, you and your covered dependents will automatically be enrolled in dental and vision benefits, which are administered by Cigna and VSP respectively.


 

 

BCBS National
The BCBS EPO requires you to use in-network providers only. Generally, in-network coverage is provided at 80% after you pay your annual deductible. Many preventive services are covered at 100%. The BCBS EPO includes prescription drug benefits administered by Magellan Rx. The BCBS EPO includes copays for primary care and specialist office visits. Out-of-network services aren’t covered except for life-threatening emergencies.

UHC Choice Plus
UHC PPO allows you to use either in-network or out-of-network providers. You may choose any provider, but you’ll pay less if you use a provider in the network. Generally, network coverage is provided at 80% after you pay your annual deductible. Many preventive services are covered at 100%. The UHC PPO includes prescription drug benefits administered by Magellan Rx.

UHC Consumer Choice and UHC Consumer Max
UHC Consumer Choice and Consumer Max plan options allow you to use either in-network or out-of-network providers. You may choose any provider, but you’ll pay less if you use a provider in the network. In-network coverage is provided at 80% after you pay an annual deductible. The CDHPs have higher annual deductibles than the traditional plan options. Many preventive services are covered at 100%. The plan includes prescription drug benefits administered by Magellan Rx. In both these plan options, you’ll pay the full negotiated rate for non-preventive medical services and prescription drugs until you meet the deductible. Both of these plans include a tax-advantaged Health Savings Account. Caterpillar contributes to this account on your behalf, and you can contribute too. Learn more about the HSA

 

Mid-Year Changes
If you experience a qualified life event (e.g., get married or divorced, have a baby, or if your spouse gains or loses employement), you may be able to add or drop coverage for you and/or your dependents — as long as you make the change within 31 days of the event. Contact the Caterpillar Health Enrollment Center to get started.

Learn More
View the Benefits Brochure and/or log into the Caterpillar Health Enrollment Center's website to view plan details and compare the plan options.

 

Find An In-Network Provider
To locate in-network providers, contact: 

Plan option
Nationwide network
Caterpillar NetWork (in select counties in Illinois)
BCBS National
BCBS network provider
Caterpillar NetWork provider

UHC Choice Plus

UHC Consumer Choice

UHC Consumer Max

UHC network provider (choose Choice Plus) Caterpillar NetWork provider

Special Resources and Benefits

 

Caterpillar is pleased to offer coverage and resources for a variety of health care needs, including these important services:

Are you unhappy with your current doctor’s office visit experience? Do you usually go to an urgent care facility or ER when you have health issues instead of your doctor’s office? Maybe you don’t even have a primary care physician. Or maybe you’re simply interested in a new way to access health care.

If any of this applies to you, you’re in luck! Caterpillar partners with Carle Health to provide eligible Caterpillar health care plan participants in the Peoria area* with a more individualized health care experience through the Carle Health Clinic – Priority Health.

What’s in it for you?

  • A dedicated primary care physician – People who have an ongoing relationship with their doctor have been shown to have better overall health and quality of life.
  • More time with your doctor – Your doctor will take the time needed to listen to you and address your concerns.
  • Early morning and extended evening hours – You can get an appointment when it’s convenient for you.
  • Same-day appointments – When you need an appointment quickly, call and your doctor will make time to see you.
  • One-stop shop for your health care services – No need to go elsewhere for x-rays and labs, quick referrals for other services and on-site wellness coaching specialists available.
  • 24/7 hotline – If you need medical advice any time of the day or night.
  • Convenient location – Close to several Caterpillar facilities (200 River Rd., East Peoria).
  • No additional cost to you – No fee to join, and visits and services will be covered as usual through the Caterpillar health care plan, no matter which plan option you’re enrolled in.

Enrollment is limited – don’t miss out!

The clinic is limited to 3,000 participants. There are still spots available! Sign-up is on a first come, first served basis.

Learn more, request a tour or join the clinic.

Why is this only available in the Peoria area?

We're partnering with Carle Health on a physician office model in the Peoria area because of the large number of employees available to participate. If this concept results in improved healthcare experiences and outcomes as anticipated, we will explore similar partnerships in other locations.

Fertility Solutions Program is designed to help eligible employees and their spouses who may be experiencing fertility-related issues. The Fertility Solutions Program provides education and counseling and acts as an access point to a national network of premier reproductive treatment centers.

The program is available to employees and spouses who are enrolled in the Employee Health, Life and Disability Benefit Program and meet the Fertility Benefit's eligibility requirements.

PRE-CERTIFICATION & CONTACT INFORMATION

  • To be eligible to receive covered services under the Fertility Benefit, you must enroll in the Fertility Solutions Program and pre-certify infertility services. To enroll, pre-certify infertility services, get information on in-network providers/facilities or access educational information, call the Fertility Solutions Program specialists at 1-866-774-4626 (8 a.m. – 5 p.m. CT). 
  • If you don’t complete the pre-certification process, the infertility services you receive won't be covered under the Fertility Benefit, even if your provider or facility is part of the Fertility Solutions Program network.
  • You may also contact the Customer Service teams at UHC (866-228-4215) or BCBS National (866-228-2227) or BCBS Caterpillar NetWork (888-228-1120). They can provide Fertility Benefit coverage details and facilitate contact with the Fertility Solutions Program specialists.
  • Learn more:

Caterpillar employees and their family members enrolled in a UnitedHealthcare (UHC) medical plan have access to 2nd.MD, a virtual expert medical consultation and navigation service, including second opinions. With 2nd.MD, you can connect with board-certified, elite specialists about your diagnosis or treatment plan all within a matter of days at no cost to you!  Contact 2nd.MD to confirm whether you are eligible.

When to use 2nd.MD

When dealing with illness, injury or chronic pain, 2nd.MD makes it easy to get a virtual expert medical consultation from the best in medicine. 2nd.MD can help when you have medical questions like:

●      Do I have the right diagnosis?
●      Am I on the best treatment path and medications?
●      Is this surgery or procedure the best option for me?

What kind of conditions can 2nd.MD help with?

2nd.MD experts are industry leaders across hundreds of subspecialties and thousands of conditions, like:

●      Back, knee, hip, ankle surgery
●      Cancer
●      Heart disease and stroke
●      Digestive problems
●      Immunological disorders (type 1 diabetes, rheumatoid arthritis)
●      Mental health issues
●      And many more

2nd.MD specialists

2nd.MD specialists are from highly respected medical institutions and leaders in their field of practice. Many own their own practices and have won prestigious awards. 2nd.MD specialists take an unbiased approach that includes:

●      Reviewing and confirming your treatment plan
●      Providing you thorough answers and another level of expertise
●      Advocacy regarding your healthcare needs
●      Giving you confidence and in some cases, additional treatment options

How to activate your 2nd.MD account

You can activate your account with 2nd.MD today so it will be ready when you need it. To activate your account and/or request a consult: 

●        Visit www.2nd.md/caterpillar
●        Call 1-866-269-3534
●        Download the 2nd.MD app via App Store or Google Play

Caterpillar’s health plan offers advocates to assist with gender affirmation services:

Virtual visits save you time and money – you can talk with a doctor by video or phone on demand 24/7 whether you’re at work, home or traveling. Providers can treat and prescribe medications for everyday illnesses like the flu, sinus infections, a cough and a lot more.

Here’s how virtual visits are covered

Medical Plan Option

Description and Cost

How to Access Virtual Visits

BCBS National

The Caterpillar health care plan will cover virtual visits through approved providers at no cost to you. Virtual visits with your regular doctor’s office are covered subject to your medical plan benefits.

  1. Contact MDLIVE directly by calling their customer service number:  1-888-676-4204
  2. Visit MDLIVE’s website: MDLIVE.com/bcbsil
  3. Download MDLIVE’s mobile app.

 

Learn more or contact BCBS with questions.

UHC Choice Plus (PPO)

The Caterpillar health care plan will cover virtual visits through approved providers at no cost to you. Virtual visits with your regular doctor’s office are covered subject to your medical plan benefits.

  1. Download the UHC app on your smart phone or visit myuhc.com/virtualvisits from a tablet or computer.
  2. New to myuhc.com? Click Register Now.
  3. Sign in with your username and password.
  4. Click Get Started to talk or video chat with a doctor 24/7.

 

Learn more or contact UHC with questions.

UHC Consumer Choice (CDHP) or UHC Consumer Max (CDHP)

Due to IRS rules, the Caterpillar health care plan will cover virtual visits through approved providers or virtual or telehealth visits with your regular doctor’s office  — subject to your medical plan benefits, but usually $50 or less.

 

If the content of this communication, other telehealth services communications, other health care plan changes or any representations made by any person regarding Caterpillar’s employee benefit plans and programs conflict with or are inconsistent with the provisions of the governing documents, the provisions of the plan documents are controlling. To the fullest extent permitted by law, Caterpillar reserves the right to amend, modify, suspend, replace or terminate any of their plans, policies or programs, in whole or in part, at any time and for any reason, by appropriate company action.