BlueCross and BlueShield of Illinois
Let us help you find a plan with Blue Cross Blue Shield of Illinois They have a wide range of plans to suit your needs. Take a moment to get an instant health insurance quote online. Get a free instant rate quote and apply online today for Illinois health insurance plansincluding individual and family health insurance, short term health insurance and health savings account (HSA) compatible plans at Blue Cross Blue Shield of Illinois
BCBSIL Health Insurance Plans Offered to Individuals and Families
Select Blue
Superior Benefits
SelectBlue compares with the most generous plans offered through large employers.
We recommend SelectBlue for Illinois residents willing to pay something extra for superior coverage:
- Illinois' largest PPO network
- $20 office visit co-pay (deductible waived)
- $75 emergency room co-pay (deductible waived)
- Prescription drug co-pay card with deductibles of $500 or less
- Preventive care benefits for adults and children
- $5,000,000 lifetime maximum benefit
- Choice of either 80% or 100% coverage for services provided by PPO physicians and hospitals
- Optional maternity benefits (one-year waiting period)
Select Blue Advantage
More Affordable Variation of SelectBlue
SelectBlue Advantage costs less than SelectBlue (described above), but under SelectBlue Advantage
there's additional potential out-of-pocket expense for major medical services like hospitalization and surgery.
Generous BenefitsLike SelectBlue, SelectBlue Advantage provides benefit "extras" characteristic of generous employer-sponsored plans. Highlights include:
- Illinois' largest PPO network
- $30 office visit co-pay (deductible waived)
- $75 emergency room co-pay (deductible waived)
- Prescription drug co-pay card with deductibles of $500 or less
- Preventive care benefits for adults and children
- $5,000,000 lifetime maximum benefit
- Optional maternity benefits (one-year waiting period)
BlueChoice Value and Blue Choice Select
Reduced Doctor and Hospital Choices
Benefits under the "BlueChoice" plans are almost identical to benefits under the "Advantage" plans described above. However, BlueChoice Select and BlueChoice Value cost about 10% less, because they feature a more restrictive network of physicians and hospitals: the BlueChoice Network.
- BlueChoice Select closely resembles the SelectBlue Advantage plan described above, but BlueChoice Select provides preferred benefits through the smaller BlueChoice network.
- BlueChoice Value closely resembles the BlueValue Advantage plan described above, but BlueChoice Value provides preferred benefits through the smaller BlueChoice network.
For Metro Area Residents
BlueChoice Select and BlueChoice Value are only for residents of Illinois metropolitan areas, including Chicago, Rockford and Springfield.
Don't buy these products without verifying that the BlueChoice network includes the hospitals and doctors you're likely to utilize.
Basic Blue
BCBSIL's Lowest Cost Plan
This plan is popular because it's the lowest priced health insurance product from Blue Cross and Blue Shield of Illinois.
Minimal Outpatient Coverage
BasicBlue provides quality benefits for expensive hospital and surgery expenses, but it doesn't cover most outpatient services and prescriptions. For example, BasicBlue provides quality coverage for cancer surgery, but it doesn't cover outpatient radiation therapy and chemotherapy.
BasicBlue Deductible Options
BasicBlue is available with the following calendar year major medical deductibles:
- $500 individual / $1,500 family
- $1,000 individual / $3,000 family
- $2,500 individual / $7,500 family
Blue Cross Blue Shield of Illinois is the largest health insurance company in the state of Illinois, with over 7.3 million members. They're one of the most popular names in health insurance, and they're known for providing affordable and comprehensive health plans. |
