Blue Access for Members
Individual & Family:

Get to Know BCBSIL 2022 Health Plans

Individual health plans have choices for you and your family1, such as your spouse or children under the age of 26.

With a BCBSIL health plan you have:

  • A large selection of in-network doctors and hospitals
  • Preventive care services, like an annual exam, shots and screenings
  • Prescription drug coverage with in-network mail order programs
  • Behavioral health care, including mental health and substance abuse benefits and services
  • Health and wellness programs

You may also qualify for Medicaid, Children’s Health Insurance Program (CHIP) or other assistance based on your income. These health care coverage options are provided by the government. There’s no SEP, so you can apply at any time. You may also qualify for financial help.

Note: Members of American Indian and Alaska Native tribes can apply for health care coverage any month of the year.

Health Plan Basics

Learn what's included with your BCBSIL health plan and network. We offer coverage in Chicago, Peoria, Springfield, the Quad Cities and across Illinois.

BCBSIL plan network of providers

Plan Network

A network (also called group of providers) is part of each plan. If you want to control costs, you’ll need to get care in your plan’s network. If you don’t, you may have to pay for most of or the full cost of your care.  You may also be able to meet with a network provider by phone or video.

Check out cost examples

BCBSIL essential benefits

Essential Health Benefits

All our health plans cover these essential health benefits and services: wellness, maternity, newborn/pediatric care, ambulance, emergency, hospitalization, labs, prescription drugs, disease management, mental health, substance abuse and rehabilitative devices.

BCBSIL prescription drug

Prescription Drug Coverage

All our health plans offer prescription drug coverage. Based on your plan, once you've met your deductible, you will either pay a set amount (copay) or a percentage (coinsurance) of your drug costs. 

Learn more about coverage

BCBSIL preventative care

Preventive Care Services

BCBSIL health plans cover a range of preventive care services.  Getting this care in-network means you won't pay out-of-pocket costs. Examples include screenings, immunizations, wellness programs and more.

Review all covered Preventive Care Services 

Pre-Existing Condition Coverage

Insurance companies, like BCBSIL, can't refuse to cover treatment for health problems you had before your new health plan starts.  

BCBSIL member benefits

Member Discounts

With a BCBSIL health plan, you and your family can save on health care products and services through our discount program, Blue365.  Examples include fitness apparel, gym memberships and more. 

Review Blue 365 discounts

 

How to lower payments for BCBSIL family plans.

You May Qualify for Lower Payments

Health care coverage may now be more affordable than you think.

More people can now get financial help or a subsidy (also called premium tax credits) to lower their monthly health plan bill.  This financial help is based on your income and family size.

Our Premium Tax Credit (PTC) Estimator tool can show you if a subsidy may help you save on your health plan's monthly bill.

Use our tool to find out if you can get these savings.  Begin premium tax credit estimate.

More Suggestions For You

What's next after applying for BCBSIL family plan

Find Out What's Next After Applying

What's Next
Get in person help with your BCBSIL plan.

Get Free In-Person Help

Get Help
Get Covid-19 updates at BCBS

Stay Informed on COVID-19

Learn More

We’re Here to Help You!

Send us a question or request more information. Our team is here to help you get a 2022 health plan for yourself or family.

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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

Calls may or may not be answered inside the United States.

Monday – Friday: 8 a.m. – 8 p.m. CT
Saturday: 8 a.m. – 6 p.m. CT
Sunday: 10 a.m. – 2 p.m. CT

Customer Service:
1-800-538-8833

Calls may or may not be answered inside the United States.

Monday – Friday: 7 a.m. – 8 p.m. CT
Saturday: 8 a.m. – 5 p.m. CT
Sunday: Closed

Already a member?
Call the Customer Service number on the back of your member ID card.