Shopping for Health Insurance?

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Types of Health Insurance Coverage

Below are the most common types of family and individual health insurance coverage offered. If you are looking for maternity coverage, dental services or prescription drug coverage, check out the plan details for different types of health insurance and specific plans to make sure you get the coverage you need.

Individual Health Insurance and Family Coverage

Individual and family coverage is also known as major medical or comprehensive coverage. When you think of health insurance, this is likely the first type of health insurance you think of. It covers a wide range of services. This type of health insurance coverage:

  • Lasts a year or longer
  • Usually can be renewed
  • Meets the requirements set by the Affordable Care Act and includes:
    • Emergency services, hospitalization, and preventive care
    • Maternity, newborn and pediatric care
    • Mental health care & substance abuse treatment
    • Laboratory services, prescription drugs, and disease management
    • Rehabilitative services and devices

If you enroll in Individual health insurance and family coverage, you may be able to get help paying for it with a premium tax credit or cost-sharing assistance. Learn more about getting help paying for your health insurance costs.

Need more information about individual health insurance and family coverage? Attend an event and see us in person.

Dental

Dental insurance plans provide coverage for part of the dental costs for you and your family. This type of health insurance:

  • Can cover a wide range of dental services or just basic, routine care.
  • Can be bought as part of your Blue Cross and Blue Shield of Illinois (BCBSIL) individual and family health plan or separately, as a stand-alone dental plan.
  • Is required for children age 18 or younger under the Affordable Care Act.

Medicare

Medicare is a type of health insurance coverage for people age 65 or older, or people under 65 with certain disabilities or illnesses.

You can add to your Original Medicare Part A (hospital) and Part B (medical) to help strengthen your health insurance safety net:

  • Part C – Medicare Advantage Plans can be seen as all-in-one coverage, some with built-in prescription drug coverage
  • Part D – Prescription drug coverage that pays for approved drugs
  • Medicare Supplement Insurance Plans – May help pay for health care costs not covered by Original Medicare

Need more information? Attend an event and see us in person.

Medicaid and Children's Health Insurance Program (CHIP)

Medicaid and CHIP are types of low or no-cost health insurance through the government. Your eligibility is based on your household size and income and determined by the government. You can apply any time of year.

  • If you qualify, your coverage can start right away.
  • For Medicaid, visit Medicaid.gov Learn more about third-party links
  • For CHIP, visit insurekidsnow.gov Learn more about third-party links or call 1-877-543-7669

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Agents are available:
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By clicking this link, you will be directed to a website or application hosted by a vendor, an independent company contracted with BCBSIL or a subcontractor of the vendor. These vendors may have their own Terms of Use and/or Privacy Statement.

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Please fill out the form below and a Blue Cross and Blue Shield of Illinois authorized agent will contact you within 1 to 2 business days. They will schedule an appointment at a time and location that is convenient for you. There is no cost or obligation for this service.

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Need Assistance Shopping?

Sales Questions and Additional Plan Information:
1-866-514-8044

Monday – Friday, 8am – 8pm CT
Saturday, 8am – 6pm CT
Sunday, 10am – 6pm CT

Customer Service:
1-800-538-8833

Monday – Friday, 7am – 8pm CT
Saturday, 8am – 5pm CT
Sunday, Closed

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