Knowing health insurance basics can help you and your family find a health care plan that fits your budget and needs.
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Insurance Basics
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
Health Insurance Costs
Learn what premiums, deductibles, copayments and coinsurance are and how they work together for your coverage.
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.
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.
