Health Care Service Corporation (HCSC) has medical policies that serve as guidelines for health care benefit coverage decisions, which may vary according to the different products and benefit plans offered by each state.

Medical policies are based on data from peer-reviewed scientific literature, from criteria developed by specialty societies and from guidelines adopted by other health care organizations.

In addition to the active and pending medical policies, HCSC has included policies that are under development or being revised.

View a full list of our medical policies.

Over the years, we have developed a unique infrastructure that allows us to provide services few other health care companies can provide. View these member testimonials to see the substantial impact our dedication to delivering the best products and services has had on our customers’ lives.

Member Voice Testimonials

Member Voice is a testimonial series featuring real−life, unscripted experiences from our members, who are not compensated for their participation. These member stories demonstrate how HCSC fulfills its commitment to stand with our members in sickness and in health.

Cecilia lost her health insurance after a layoff in 2008. She couldn’t afford to buy her own insurance, so she had to go without the care and medicine she needed. But during the first Affordable Care Act open enrollment period, Cecilia was able to get insured through one of our health plans.

Martha and her husband couldn’t figure out how to help their infant daughter with her discomfort. They went on our health plan’s website to find help. They found the 24/7 Nurseline, a toll-free service to help members get answers to health problem questions.

Abby is a freshman in college, away from home for the first time. During a visit to her college pharmacy, she presented our card and received a discount on her prescription.

Alarmed by chest pains, Bob decided to use his health care coverage to see a doctor. He discovered that he had a severe heart condition that required immediate triple bypass surgery.

When Del developed acid reflux, sleep apnea and thyroid issues in a short period of time, one of our dedicated case managers helped manage his appointments, referrals and medicines.

In Malawi, Africa, and needing emergency surgery to treat a potentially fatal head injury, Caitlin was desperate for access to immediate care she could trust.

After constant encouragement from his wife, Danny went to see a doctor about his ongoing back pain. An MRI and biopsy concluded that he had Multiple Myeloma, a cancer formed by malignant plasma cells. In 2011, there were an estimated 83,367 people living with myeloma in the United States, according to the National Cancer Institute. Danny shares how we become a valued resource through his treatment and recovery.

Donna has several autoimmune diseases related to having diabetes, including Crohn's disease, Barrett's esophagus, and plaque psoriasis. She researched health insurance companies and chose one of our plans in Illinois because it offered her the coverage she needed.

Denise has hypertension, diabetes and heart disease. She credits Donna, one of our dedicated nurse case managers, for helping to save her life.

Nadjea's pregnancy was mostly complication-free, until the last stretch. After having an emergency Cesarean, the Special Beginnings team called to make sure she and her baby were OK.

Uninsured for several years after becoming self-employed, Marcelino is grateful to now have new options for affordable health insurance. (Spanish only)

Bill suffered two heart attacks and congestive heart failure. He was in a coma for almost a month. The caring support and customer service he received from the complex condition management team made a positive impression on him.

When 5-year-old Wyatt went in for a routine tonsillectomy, his parents expected the surgery to go smoothly. A few days following the surgery Wyatt's health began to decline. We stood by his family on the difficult road to recovery that followed.

Ray ended up in an emergency room after an accident. He remembers how efficient his emergency room experience was, because he had the security of our health coverage.

Nutashia's son was diagnosed with Celiac Disease at 6 months old. She credits the reliability of our Illinois health plan with helping her stay focused on her son during his hospital stay.