Insurance Basics

Knowing health insurance basics can help you and your family find a health care plan that fits your budget and needs.

Plan types icon

Type of Plans

When comparing Blue Cross and Blue Shield of Illinois (BCBSIL) health plans, you might come across some options like:

  • HMO: A Health Maintenance Organization keeps costs low by working with your primary care doctor for any needs and specialty referrals
  • PPO:  A Participating Provider Organization lets you choose where you go for care without needing referrals or in-network providers
  • CDHP: A Customer-Driven Health Plan gives you more control of your health care costs and is most often paired with a health savings account
Circle with dollar sign icon

Health Insurance Costs

Learn what premiums, deductibles, copayments and coinsurance are and how they work together for your coverage.

Review costs

Laptop with mouse pointer icon

How to Enroll

You have a few ways to enroll in a 2023 BCBSIL health plan.

Review your options

Paper with check mark, heart, and dollar sign icon

Member Tools

Learn about the BCBSIL tools that can help you best use your plan, like Provider Finder, Form Finder and Blue Access for MembersSM.

More about member tools

Piggy bank icon

Financial Assistance

You may be able to save on your monthly bill with a premium tax credit, also known as a subsidy. Find out how much you could save with our Premium Tax Credit Estimator.

Get your estimate

Open book icon

Health Care Terms

Look up common health care terms in our glossary.

Search Glossary