Medical & Rx

Health Advocacy Solutions (HAS)

M–F, 6:00 a.m.–11:00 p.m. CT

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Annual Enrollment is coming soon!

To have benefits in 2027, you must log in to the LSC Benefits Center and make your elections.

eGuide Wellness

Preventive Care

Preventive Care

Blue Cross and Blue Shield of Illinois (BCBSIL) helps you stay on top of your health with preventive care services. By understanding your current health and risks, and getting recommended screenings and immunizations at no cost, you can prevent illness and address concerns early, before they become more serious.

What’s covered

When you enroll in any LSC Medical Plan administered by BCBSIL, in-network preventive care for you and all of your covered dependents is free! Preventive care covers services such as:

Annual physicals
Well-woman visits
Well-child visits
Flu shots
Mammograms
Colonoscopies
Cancer detection blood test for ages 50+ (through Galleri)

Free preventive medications

Many preventive prescriptions such as certain generic cholesterol and blood pressure medications, along with drugs tied to women’s preventive care, are available at no cost.

View more about preventive medications by viewing the HSA Preventive Drug Benefit Program.

Lower future medical premiums, schedule a preventive screening

You and your covered spouse/domestic partner can lower future medical premiums by scheduling a preventive wellness screening and by taking a wellness assessment online. By doing so, you can save up to $1,300 ($650 for you and $650 for your covered spouse) on future medical premiums.

Learn how to save by visiting the Wellness Program page.

Find a provider

To find providers near you, click here.

Medical Plans Overview Dental

Compare the Vision Plans

* Allows an exam every 6 months for children under age 19.
** Once every calendar year. Benefit coverage is for either contact lenses OR frame lenses but not both.

2027 Optional Child Life Insurance Monthly Rates (per $1,000 of coverage)

* Dependent Child(ren): $0.131 per $1,000 of coverage.

Monthly premium per $1,000 of coverage.

Copay PPO Plan

* The most you pay before the plan pays 100% of eligible expenses. Medical and Prescription Drug expenses are combined.

HSA Plans

* For HSA Core, no one in your family pays more than the individual deductible/OOP maximum before the plan pays 100% of their covered expenses. For HSA Value, there’s no individual cap on the deductible, but no one pays more than the individual OOP maximum.
** What you pay after the deductible is met.
*** The most you pay before the plan pays 100% of eligible expenses. Medical and Prescription Drug expenses are combined.
† If you use the ER for a non-emergency, you will be charged an additional $500 that will NOT count toward your deductible or OOP maximum.

Life & AD&D Insurance Coverage Summary

* The amount of coverage for active employees aged 65 and older is subject to annual age reductions in accordance with the plan. Please see the Life Insurance Certificate of Coverage & Schedule of Benefits on the Important Documents page for more information.
** The amount you elect for Optional Spouse Life cannot exceed the total of your employee Basic Life amount plus any Optional Employee Life coverage.

When Your Coverage Begins

* Calculator assumes all enrollment deadlines were met.

What Happens to Your Benefits

Copay PPO — Prescription Drug Coverage

HSA Core & HSA Value — Prescription Drug Coverage

Compare the Dental Plans

* Includes four periodontal maintenance visits per year; and one problem-focused visit per year
** Two per year for children and one per year for adults
*** One every 60 months until age 19
† Covers composite fillings for molar teeth
‡ One replacement in 24 months

2027 Medical Premiums — TOPS Products

TOPS Products premium amounts shown are per biweekly paycheck.
Base salary as of September 1, 2026, determines your salary band.
Medical rates already include the wellness credit and the tobacco-free credit.

2027 Vision Premiums

Premium amounts shown are per biweekly paycheck.

2027 Optional Life Insurance Monthly Premiums (per $1,000 of coverage)

Monthly premium per $1,000 of coverage.

2027 Optional AD&D Insurance Monthly Rates (per $1,000 of coverage)

Monthly premium per $1,000 of coverage.

2027 Medical Premiums

LSC Communications premium amounts shown are per biweekly paycheck.
Base salary as of September 1, 2026, determines your salary band.
Medical rates already include the wellness credit and the tobacco-free credit.

LTD Buy-Up Premium Worksheet — Sample Calculation

* The premium rate of $0.101 (per $100 covered monthly payroll) is of the 35-39 age-band and assumes a $45,000 annual salary.

2027 LTD Buy-Up Rates (per $100 of covered monthly payroll)

Premium per $100 of covered monthly payroll. Covered monthly payroll = annual salary / 12; number of units = covered monthly payroll / 100; monthly premium = units x rate.

2027 HSA Company Match Contribution

* For every $1 you contribute to your HSA, the Company matches $1 up to the coverage level match maximum each quarter for HSA Core or HSA Value medical plan participants.

If you are aged 65 or older and Medicare-eligible, you’ll need to opt out of the HSA Company contribution due to IRS rules.

2027 HSA IRS Contribution Limits

* For every $1 you contribute to your HSA, the Company matches $1 up to the coverage level match maximum each quarter for HSA Core or HSA Value medical plan participants.
** Employees aged 55+ can make an additional $1,000 catch-up contribution each year.

If you are aged 65 or older and Medicare-eligible, you’ll need to opt out of the HSA Company contribution due to IRS rules.

2027 Biweekly Hospital Indemnity Premiums

Premium amounts shown are per biweekly paycheck.

2027 Dental Premiums

Premium amounts shown are per biweekly paycheck.

2027 Biweekly Critical Illness Premiums

Premium amounts shown are per biweekly paycheck.
Premiums are based on your age and the coverage amount you elect ($10,000 or $20,000).

2027 Biweekly Accident Insurance Premiums

Premium amounts shown are per biweekly paycheck.

2027 Medical Premiums

Lakeside Book Company premium amounts shown are per biweekly paycheck.
Base salary as of September 1, 2026, determines your salary band.
Medical rates already include the wellness credit and the tobacco-free credit.

2027 HSA Company Contribution

* The Lakeside Book Company provides a seed contribution to your HSA that is automatically deposited.

If you are aged 65 or older and Medicare-eligible, you’ll need to opt out of the HSA Company contribution due to IRS rules.

2027 HSA IRS Contribution Limits

* The Lakeside Book Company annual maximum seed amount.
** The 2027 IRS Limit minus the $500 Company seed.
*** Employees aged 55+ can make an additional $1,000 catch-up contribution each year.

If you are aged 65 or older and Medicare-eligible, you’ll need to opt out of the HSA Company contribution due to IRS rules.

2027 Vision Premiums

Herff Jones premium amounts shown are per weekly paycheck.

2027 Medical Premiums

Herff Jones premium amounts shown are per weekly paycheck.
Base salary as of September 1, 2026, determines your salary band.
Medical rates already include the wellness credit and the tobacco-free credit.

2027 Weekly Hospital Indemnity Premiums

Herff Jones premium amounts shown are per weekly paycheck.

2027 Dental Premiums

Herff Jones premium amounts shown are per weekly paycheck.

2027 Weekly Critical Illness Premiums

Herff Jones premium amounts shown are per weekly paycheck.
Premiums are based on your age and the coverage amount you elect ($10,000 or $20,000).

2027 Weekly Accident Insurance Premiums

Herff Jones premium amounts shown are per weekly paycheck.