What is the best Health Insurance Plan in Illinois?

Best health insurance plan

Best Health Insurance Plans in Illinois:

There are many different insurnace carriers in Illinois that offer On and Off exchnace health insurance plans. On Exchange plans are offered via Healthcare.gov, while Off-Exchange plans can be purchased directly from the insurance company. Check Illinois Health Plans page to learn more or work with a health insurance agent to get help enrolling.

Most of the health insurance carriers in IL offer HMO plans that usually have a particular healthsystem in network. However, Blue Cross Blue Shied of IL is the only carrier that offers a PPO plan, Blue Cross Preferred PPO plan.

List of the Best Health Insurance plans in Illinois for 2022:

1. Bright Healthcare:

Arrived to Illinois in 2021 with myriad of affordable plans and robust nework of providers and hospitals. Bright Healthcare network includes: Northshore Healthsystem, DuPage Medical group, AMITA Health, Mount Sinai, and many other independent providers. Although Bright Healthcare only offer HMO plans , however, the company doesnt require a referral from a primary care to see an in netwrok specialist. The company offers $500 in rewards via Pre-Paid visa card through the year. In 2022, Bright Healthcare are offering multiple Bronze plans and Silver plans with $0 Deductible, $0 PCP, 0$ Specialist, and $0 Generic drugs. These plans are rated at a very affordable premium compared to other companies with similar network.

2. Oscar:

Start to offer health insurance plans in Illinois effective 2022. Oscar plans offer different health benefits are affordable cost or even $0 cost. They have two networks in Illinois, Choice and Select. Oscar plans include plans with $0 deducible, and $0 drug list. Oscar are known to have a very streamlined virtual visits at no cost to the patient. So if you prefer virtual visits, Oscar is a great option for you.  Additionally Oscar have partnered with major Chicagoland hospitals including Loyola University, North Shore Health system, Northwestern University, and AMITA Health. Learn more about Oscar network here. 

3. Cigna:

Cigna health insurance plans are in network with Northwestern Hospital. Cigna also have developed a plan for clients with diabetes to offer extra covered services for diabetic patients. Cigna Plus Northwestern have extra benefits and services that may include dental coverage for adults. Although the plan is an HMO plan yet there is a large network of providers that accept the plan.

When to Purchase Individual Health Insurance

Normally, you can only get a health plan during a short window of time known as the Open Enrollment Period (OEP). For the current year, the OEP in most states runs from November 1 through December 15. Some states offer extended deadlines into late December for coverage starting in mid-January, while others extend deadlines into January for coverage beginning in February. In 2022, the OEP is extended to January 15th in all states.

In some situations, you can buy coverage outside of the open enrollment window. Individuals can qualify for a Special Enrollment Period (SEP) if they recently experienced a life-changing event, such as losing their job and their employer-provided coverage, getting married, divorced, having a baby or adopting, or if citizenship status changes. These events and others are referred to as a “qualifying life event.”

Note that there are Special Enrollment Period (SEP) deadlines for submitting documentation to substantiate a life-changing event — within 60 days for an ACA plan on the Marketplace or commonly 30 days to change plans at work.

Other circumstances that qualify people for an SEP include becoming Medicaid-eligible, or if you are Native American, and therefore change your health plan any month of the year.

Based on 19 reviews.
Cassandra Heitman
Cassandra Heitman
March 14, 2022.
Verified
It's a pleasure to work with Tarek El Ali! He helped me successfully get medical coverage for my small business. He made the process very easy and he responds to all concerns promptly. Thank you, Tarek.
arron draper
arron draper
January 8, 2022.
Verified
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Erika Vevang
Erika Vevang
January 5, 2022.
Verified
I was previously working with someone through my franchise company to set up insurance for my employees. Low and behold after weeks of working with her she was not able to complete my process and was not very responsive when I asked her questions. She referred me to Tarek to finish up and he immediately contacted me and got my plan completed within the day! He was super nice and made sure my account was set up and ready to go before we missed our deadline. Highly recommended!
Kyle Lanza
Kyle Lanza
January 4, 2022.
Verified
Healthcare.gov can be a little confusing so I called them up for help figuring everything out when I turned 26. Tarek is excellent at what he does. He had everything figured out for me in less than 15 minutes on the phone with him. I was so impressed that he will continue to be my go to guy for anything heath insurance related. I can not recommend him enough.
Jeffrey Walker
Jeffrey Walker
December 30, 2021.
Verified
This is our 2nd time working with Tarek to find the right health insurance policy for my small business. In both cases the knowledge of the changing insurance landscape in Illinois has helped us greatly.
Craig Baglien
Craig Baglien
December 19, 2021.
Verified
Smart Insurance Agents especially Tarek were extremely helpful in selecting and also answering follow questions on the offering I selected.
Peter Ward
Peter Ward
December 15, 2021.
Verified
Tarek has help me multiple times with finding appropriate insurance options. He listens to specific needs and helps find fitting plans. The process is smooth and quick but also informative. He is very professional and responsive.
JeongHun Paik
JeongHun Paik
December 14, 2021.
Verified
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Paulina Pietras
Paulina Pietras
December 11, 2021.
Verified
Jessica Wheeler
Jessica Wheeler
December 11, 2021.
Verified
Tarek El Ali was amazing! He is so helpful and I finally have an insurance plan that I truly believe is right for me! Thank you!! Highly recommended!
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