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Small Group Fully Insured Metallic Plans

Blue Cross and Blue Shield of Illinois offers a variety of fully-insured standard ACA plans for your small group clients with 1–50 employees.

Network Options

Plan NameParticipating Provider OrganizationBlue Choice Preferred PPOBlue OptionsBlue Precision HMO
Plan TypeStatewide PPOStatewide PPOStatewide PPOHMO in Chicago, Peoria and partial Rockford rating areas
Medical Group SelectionNot requiredNot requiredNot requiredRequired
Specialist ReferralNot requiredNot requiredNot requiredRequired
Out-of-Network BenefitsYesYesYesNo
Access to BlueCard®YesYesYesNo, except for emergencies.
Residency RequiredNoMust live in IllinoisNoMust live or work in network service area

More Complementary Value-Add Programs

Putting the power of wellness in members’ hands helps them save money and prevent some types of health conditions, reducing doctor visits and hospitalizations. Complementary programs include:

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Blue365℠

Employees save on health products from top retailers with no claims or referrals needed.

Visit the member site
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Wondr Health™

This online weight management program teaches skills to improve physical, mental, and emotional wellbeing.

See Wondr's curriculum
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Hinge Health

Members can join this digital musculoskeletal program with therapists at no extra cost.

Get our producer flyer

Omada

A digital health program to help prevent and manage conditions like diabetes, hypertension and weight-related health risks.

Learn more about Omada

Pharmacy & Prescription Management

With the Blue Access for Members℠ account, members can search for in-network pharmacies, find covered medicine, get cost and coverage details on prescriptions and manage refills. Learn more.

Share the Drug List when consulting with employers about small group metallic plans.

Ready to Create a Quote?

Get the tips, how-tos, and resources on quoting a small group metallic plan for your employer client.

 

Hinge Health and Wondr are independent companies contracted with Blue Cross and Blue Shield of Illinois to provide chronic disease prevention and management solutions for members with coverage through BCBSIL. BCBSIL makes no endorsement, representations or warranties regarding third-party vendors and the products and services offered by them. 

 

Last Updated: Oct. 15, 2026