Click the logo to shop for Blue Cross Blue Shield of Illinois plans. The 2019 ACA (Obamacare) Open Enrollment period will began again on Nov. 1, 2018 and end on Dec. 15, 2018. Policies purchased during this annual Open Enrollment period will begin covering you on January 1, 2019. There are no health questions and no preexisting conditions during this time period on all ACA-qualified individual health insurance policies. 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. Click the Blue Cross logo for quotes and to apply online.

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.

Buying on the exchange? If you do qualify for subsidies please click “Shop for subsidized plans ON the exchange” below. You will be able to pick a plan, get your subsidies and finish the entire process much faster than using Healthcare.gov alone. HealthSherpa speeds up the Healthcare.gov process significantly.

subsidizedshopping               unsubsidizedshopping

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.

Buying on the exchange? If you qualify for a subsidy please click the link below. You will be able to pick a plan, get your subsidy and finish the entire process much faster than working solely with Healthcare.gov

subsidizedshopping

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.

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?

1951_find-provider_header

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

header_pharmacyt4

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

Share This