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BCBS prefix XOL: BCBS of Illinois, Blue Precision HMO

The short answerXOL is a Blue Cross and Blue Shield of Illinois prefix: commercial HMO, on the Blue Precision HMO network (individuals, on the Marketplace public exchange). File the claim to your local Blue plan; outside Illinois, BlueCard routes it to BCBS of Illinois by the prefix.

What the XOL prefix means

Home plan Blue Cross and Blue Shield of Illinois, a division of Health Care Service Corporation (HCSC). Commercial HMO. 1
Network Blue Precision HMO (network code BAV). Plans: Blue Precision HMO metallic QHPs: Gold, Silver and Bronze. 1
Who it covers Individuals, on the Marketplace public exchange. 1
Area Designated areas in the State of Illinois. 1
How the network works Built off the Blue Advantage HMO networks for Marketplace plans. Care is covered when the member's PCP provides or authorizes it; otherwise it is not covered, except in a medical emergency. 1
Referrals Care must be provided or authorized by the member's PCP; otherwise it is not covered, except in a medical emergency. 1
Where to file To your local Blue plan, the one you're contracted with. Outside Illinois, BlueCard uses the prefix to route the claim to BCBS of Illinois. In Illinois, that is BCBS of Illinois itself. Send the member ID exactly as printed, prefix included. 2 3
Verify benefits Through your local Blue plan's eligibility tools, or BlueCard Eligibility at 1-800-676-BLUE (2583), before the first visit. 2
Preventive MNT BCBS of Illinois's preventive services policy (RP006) lists 97802 to 97804 under the USPSTF rows for healthy diet counseling with cardiovascular risk factors and for adults with a BMI of 30 or more. To process with no member cost share, the claim needs a preventive diagnosis code and a preventive procedure code. MNT for other reasons may be covered under another part of the plan, with cost sharing. Grandfathered plans don't have to cover preventive services at no cost share. 4 See MNT coverage at Blue Cross Blue Shield plans.

Other prefixes on the Blue Precision HMO network

Before a visit with prefix XOL

  1. Copy the current card, front and back, and enter the member ID exactly as printed, XOL included.
  2. Verify benefits for 97802 and 97803: through your local Blue plan's eligibility tools, or BlueCard Eligibility at 1-800-676-BLUE (2583). Ask whether nutrition counseling is covered, how many visits, whether a referral is needed, and what the member pays.
  3. File to your local Blue plan, not to BCBS of Illinois directly, unless BCBS of Illinois is your local plan.

Another prefix? Type it in the lookup above or see every prefix we have. For how BlueCard routes an out-of-state Blue card, see BlueCard for dietitians.

Sources

  1. Blue Cross and Blue Shield of Illinois: Networks and Benefit Plans 2026, HMO networks (PDF)
  2. Blue Cross and Blue Shield of Illinois: BlueCard claims filing (PDF)
  3. Blue Cross and Blue Shield of Texas: BlueCard three-character prefixes (provider page)
  4. Blue Cross and Blue Shield of Illinois: RP006 Preventive Services Policy, effective April 1, 2026 (PDF)

Sources checked . Payer rules change; verify the member's benefits.

Frequently asked questions

What insurance is prefix XOL?

Blue Cross and Blue Shield of Illinois. Its 2026 network document lists XOL for Blue Precision HMO, individuals, on the Marketplace public exchange.

Where do I send a claim with prefix XOL?

To your local Blue plan, the one you're contracted with. Outside Illinois, BlueCard uses the prefix to route the claim to BCBS of Illinois. In Illinois, that is BCBS of Illinois itself. Send the member ID exactly as printed, prefix included.

Do XOL plans cover nutrition counseling?

BCBS of Illinois's preventive services policy (RP006) lists 97802 to 97804 under the USPSTF rows for healthy diet counseling with cardiovascular risk factors and for adults with a BMI of 30 or more. To process with no member cost share, the claim needs a preventive diagnosis code and a preventive procedure code. MNT for other reasons may be covered under another part of the plan, with cost sharing. Grandfathered plans don't have to cover preventive services at no cost share. The member's own plan decides, so verify benefits first.

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