Understand your plan options. Find shopping resources. Compare your options and enroll in our shopping platform.
How to Learn and Enroll
Online Shopping Platform
Find the coverage options available to you. Compare plans and their costs. Our shopping platform gives you the information you need to confidently choose a plan.
Health Plan Specialist
Our health plan specialists are on-call to help answer your questions. Prefer not to enroll online? Our team can complete an application with you over the phone.
Gather Information on Health Care Plans
Trusted coverage that meets your needs.
When you enroll in a BCBSIL plan, you'll have over 90 years of trusted service backing your care.
Rely on close-to-home networks of health care professionals and programs and discounts to support healthy living. Find coverage tailored to every budget, need and member.
Compare plans' cost and coverage differences.
Find a plan that fits your lifestyle and budget. Start by understanding our plans' "metallic" levels:
Our plan types, like HMO, PPO and POS, have options that fall into the metallic coverage levels.
Find the doctors and hospitals in each plan's network.
Each plan has a network of covered doctors, hospitals and pharmacies. Using in-network care helps keep your plan's costs low. Use our Find Care tool to:
- Check that your current doctor is covered
- Find a new in-network primary care provider (PCP)
- Search for covered specialists
Make sure your prescriptions are covered.
Each year, the BCBSIL drug lists are updated to note which drugs are covered by your plan and what their costs are.
The drug lists also show if your prescription has other considerations, like if it has a dispensing limit or requires prior authorization.
What's Covered in Each Plan?
While all plans offer coverage for essential benefits, they differ in access to:
- Networks: which covered doctors and hospitals are covered by your plan
- Virtual care tools: if BCBSIL telehealth services are an included benefit
- Health and wellness tools: if programs like Well onTarget® are an included benefit
- Specialists: if your plan requires you to get a referral to meet with a specialist — most HMO and POS plans do
How Are the Costs Different?
Most plans vary in the costs they offer and you owe, like:
- Deductible: the annual amount owed before your plan covers the bill
- Premium: the amount owed each month to keep your plan active
- Copays: the cost ($) you may owe after meeting your deductible
- Coinsurance: the cost (%) you may owe after meeting your deductible
Explore Provider Networks
Find in-network doctors, hospitals and specialists.
Use our Find Care tool to explore the doctors, hospitals and specialists covered by each plan.
Check for your preferred providers.
Want to keep your current doctor? If you're choosing a new plan, check its network to make sure they're still covered.
Factor In Flexibility and Convenience
Sometimes, planning ahead isn't possible. From needing care when you're away from home to staying covered in an emergency situation, it's important to understand how your plan works.
Compare the tools and benefits that help you stay covered when life doesn't go according to plan.
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How can you help cover unexpected health care costs?
While your plan helps cover your health care costs, medical bills can still leave members with a charge they hadn't planned for. To plan ahead, you can:
- Contribute to a Health Savings Account (HSA), if your plan offers one
- Use in-network providers
- Check that your prescriptions are covered
- Choose an individual and family plan that matches your needs
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What are your out-of-network and emergency care options?
An easy way to save money is by using in-network providers. Using out-of-network often results in higher bills or, depending on your plan, even a denied claim.
If you're experiencing an emergency, please know that you do not need to visit an in-network hospital. It's important you prioritize getting care over your plan's network.