Click the logo to shop for Blue Cross Blue Shield of Illinois plans. The 2019 ACA (Obamacare) Open Enrollment period began on Nov. 1, 2018 and ended on Dec. 15, 2018. As of December 16, 2018 you can only purchase ACA-qualified (Obamacare) health insurance if you experience a QLE – Qualifying Life Event. Examples of QLEs are Marriage, Divorce, birth of a child, loss of Employer sponsored coverage and COBRA coverage termination. QLEs result in a 60 day Special Enrollment period allowing you to purchase ACA-qualified coverage on a guaranteed issue basis (no preexisting conditions) at any time during the year. Policies purchased during Special Enrollment will begin on the first of the month following the receipt of your application. Depending on your projected 2019 MAGI – Modified Adjusted Gross Income – you may qualify for one or more federal health insurance subsidies to lower your premium, deductible, coinsurance and copays. To learn the income levels necessary to qualify for health insurance subsidies scroll down this page. Questions? Call (630) 582-1043. Out of state? Call toll free at (866) 724-7123.

Also, President Trump’s Executive Order creates more affordable options in the non ACA-qualified Short Term health insurance market and the Tax Cuts and Jobs Act of 2017 includes repeal of the ACA individual mandate. By 2019 you will no longer be fined (taxed) for purchasing lower priced non ACA-qualified Short Term health insurance. Click here to learn more about Short Term.

To learn the income levels necessary to qualify for health insurance subsidies and search the Blue Cross and Blue Shield HMO and PPO networks scroll down this page. If you do not qualify for subsidies please click “Shop for unsubsidized plans OFF the exchange” below to purchase health insurance (off the exchange) directly from Blue Cross and Blue Shield Questions? Call (630) 674-1551. SCROLL DOWN THIS PAGE TO LEARN MORE.

If you qualify for a subsidy please click “Shop for ACA-qualified (Obamacare) plans.” You will be able to pick a plan, get your subsidy and finish the entire process much faster than working solely with Healthcare.gov. You can also purchase ACA-qualified plans without a subsidy using Health Sherpa if you do not qualify. If you are healthy, do not need coverage for preexisting conditions and do not qualify for a subsidy click “Shop for non-ACA 360 day Short Term plans” for more affordable non ACA-qualified Short Term insurance.

             

Shopping from another state? Call us toll free at (866) 724 7123 or scroll down to get quotes from Blue Cross in your state. 

Determining your eligibility for one or more federal subsidies

Depending on what you expect your 2019 total household MAGI – Modified Adjusted Gross Income = (after deductions but before taxes) to be, you may qualify for a significant APTC – Advance Premium Tax Credit (federal subsidy) under the new health care law to lower your premiums. You may also qualify for a CSR – Cost Sharing Reduction subsidy to lower your deductible. If you believe your 2019 total household MAGI will be lower than:

$48,560 for an individual
$65,840 for a couple
$83,120 for a family of three
$100,400 for a family of four
$117,680 for a family of five
$134,960 for a family of six

you will be better off financially by shopping for a plan on the exchange (via Healthcare.gov) in order to receive an Advance Premium Tax Credit and/or a Cost Sharing reduction to reduce the premium and deductibles of either the Bronze, Silver, Gold or Platinum Qualified Health Plans.

If you qualify for a subsidy please click “Shop for ACA-qualified (Obamacare) plans.” You will be able to pick a plan, get your subsidy and finish the entire process much faster than working solely with Healthcare.gov. You can also purchase ACA-qualified plans without a subsidy using Health Sherpa if you do not qualify. If you are healthy, do not need coverage for preexisting conditions and do not qualify for a subsidy click “Shop for non-ACA 360 day Short Term plans” for more affordable non ACA-qualified Short Term insurance.

                                           

Shopping from another state? Call us toll free at (866) 724 7123 or scroll down to get quotes from carriers in your state. 

Please note: If your income is lower than the 2018 Federal Poverty Level Information in your state, which is less than 138% of the FPL – Federal Poverty Level in states that expanded Medicaid and less than 100% of the FPL in states that did not. You will be offered Medicaid and as such will not be able to qualify for subsidized private health insurance. You can purchase private health insurance even if you qualify for Medicaid but you must do so without a subsidy. Click the chart below to determine the current Federal Poverty Level and percentages above it. 2018 Federal Poverty Levels will not be released until late January 2019 so, the 2018 FPL chart will be used to determine subsidy eligibility for 2019 ACA Open Enrollment.

 

Please also note: If you qualify for a federal health insurance subsidy and your state has expanded CHIP – Children’s Health Insurance Plan – under Medicaid you may not be able to insure your children on your policy. Healthcare.gov will instead send them to Medicaid. You may wish at that juncture to purchase private health insurance at full price for your children instead.

    2019 Blue Cross Blue Shield of Illinois individual health plan offerings.

BLUE PRECISION HMO INDIVIDUAL PLANS FOR 2019                  

Blue Precision Bronze HMO 205 Summary Of Benefits 2019

Blue Precision Silver HMO 206 Summary Of Benefits 2019

Blue Precision Silver HMO 306 Summary Of Benefits 2019

Blue Precision Gold HMO 207 Summary Of Benefits 2019

BLUE CHOICE PREFERRED PPO PLANS FOR 2019

Blue Choice Preferred Bronze PPO 201 – Two $40 PCP Visits Summary Of Benefits 2019

Blue Choice Preferred Bronze PPO 302 outline of coverage 2019

Blue Choice Preferred Bronze PPO 202 Summary Of Benefits 2019

Blue Choice Preferred Silver PPO 203 Summary Of Benefits 2019

 Blue Choice Preferred Silver PPO 303 Summary Of Benefits 2019

Blue Choice Preferred Gold PPO 204 Summary Of Benefits 2019

BLUE CARE DIRECT HMO INDIVIDUAL PLAN FOR 2019                        

Blue Care Direct Silver 212 with Advocate Summary Of Benefits 2019

BLUE FOCUS CARE HMO INDIVIDUAL PLANS FOR 2019

Blue FocusCare Bronze 209 Summary Of Benefits 2019

Blue FocusCare Bronze 211 Summary Of Benefits 2019

Blue FocusCare Silver 210 Summary Of Benefits 2019

2018 Blue Cross Blue Shield of Illinois individual health plan offerings.

BLUE PRECISION HMO INDIVIDUAL PLANS FOR 2018                  

Blue Precision Bronze HMO 205 outline of coverage 2018

Blue Precision Silver HMO 206 outline of coverage 2018

Blue Precision Gold HMO 207 outline of coverage 2018

BLUE CHOICE PREFERRED PPO PLANS FOR 2018

BlueChoicePreferredBronzePPO201OutlineofCoverage2018

Blue Choice Preferred Bronze PPO 202 outline of coverage 2018

Blue Choice Preferred Silver PPO 203 outline of coverage 2018

 Blue Choice Preferred Silver PPO 102 outline of coverage 2018

Blue Choice Preferred Gold PPO 204 outline of coverage 2018

BLUE CARE DIRECT HMO INDIVIDUAL PLAN FOR 2018                        

Blue Care Direct Silver 212 outline of coverage 2018

BLUE FOCUS CARE HMO INDIVIDUAL PLANS FOR 2018

Blue FocusCare Bronze 209 outline of coverage 2018

Blue FocusCare Silver 210 outline of coverage 2018

Blue Focus Care Gold 211 outline of coverage 2018

Shop for 2019 plans from Blue Cross Blue Shield of Illinois

Are your doctors and hospitals in the 2019 Blue Cross Blue Shield of ILLINOIS PPO or HMO networks?

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Dental insurance coverage from Blue Cross Blue Shield of ILLINOIS

dental-insurance-header bluecaredental1a to see the outline of coverage for Blue Care Dental 1A plan. bluecaredental1b to see the outline of coverage for Blue Care Dental 1B plan. bluecaredental1aforkids to see the outline of coverage for Blue Care Dental for kids 1A plan. bluecaredental1bforkids to see the outline of coverage for Blue Care Dental for kids 1B plan. To apply for BCBSIL Dental insurance please download and print the paper application here > bluecaredentalapplication Once completed, please fax your Dental insurance application to (630) 582-1043. To see if your dentist is in the BCBSIL Dental PPO click here > BlueCare® Dental (DPPO)

Prescription drug coverage from Blue Cross Blue Shield of ILLINOIS

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Preventive care coverage from Blue Cross Blue Shield of ILLINOIS

Preventative care

The ACA (Obamacare) Individual Mandate was REPEALED by congress on 12/20/17. However, the Tax Cuts and Jobs Act of 2017 does not include repeal of this mandate until Jan. 1, 2019.

President Trump has also provided a way to avoid paying the Individual Mandate penalty for 2018 also.

2017 Silver individual health plans comparison chart

bcbsilsilverplancomparisonchart2017

2017 Bronze individual health plans comparison chart

bcbsilbronzeplancomparisonchart2017

2017 Multi-State individual health plans comparison chart

bcbsilmultistateplancomparisonchart2017

 

2017 Gold individual health plans comparison chart 

bcbsilgoldplancomparisonchart2017

 

2017 Blue Focus Care individual health plans comparison chart:

bcbsilbluefocuscareplancomparisonchart

 

silver

 

 

                                           2014 & 2015 BCBSIL Silver individual & family plans are linked below

 

 

Blue Precision Silver HMO Plans On the SHOP Exchange
Blue Precision Silver HMO Plans Off the SHOP Exchange

Golds

                                              Click here to preview 2016 BCBSIL Gold individual and family plans

 

 

                                             2014 & 2015 BCBSIL Gold individual & family plans are linked below

 

 

platinums

                                    Click here to preview BCBSIL 2016 Platinum individual and family plans                                                     

                                    2014 & 2015 BCBSIL Platinum individual & family plans are linked below

Bronzes

                                         Click here to preview BCBSIL 2016 Bronze individual and family plans                                                    

 

                                         2014 & 2015 BCBSIL Bronze individual & family plans are linked below

 

Blue Precision Bronze HMO Bronze Plans On the SHOP Exchange
Bronze HMO Bronze Plans Off the SHOP Exchange

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