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By Ryan Kennelly

November 17, 2016

Topics:

  • State Insurance Guides
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2019 Illinois Health Insurance Guide

November 17, 2016

  • State Insurance Guides

We know that significant changes are coming to healthcare in 2019. With all the premium hikes and network changes, we understand that choosing a health plan is harder than ever. Independent Health Agents is here to help you make the right choice for you and your family.

We have compiled a summary of changes as well as available options within the individual marketplace effective January 1st, 2019.

Click Here: Chicago Area Hospital Guide

Remember, the deadline to make plan changes for a January 1, 2019 effective date is December 15th.

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  • BCBSIL is no longer offering Platinum level plans on the healthcare.gov online insurance marketplace. Blue Precision Platinum HMO 104 is the only platinum plan available in Illinois and offered off-exchange.

  • BlueChoice Preferred PPO – offers a respectable PPO network of doctors and hospitals and the convenience of never needing a referral to see a specialist

  • Blue Precision HMO Plans – One the largest HMO networks in Illinois is becoming the most popular option for 2019 plan choices, it also is the only network that includes NorthShore University hospital–just be sure to select your PCP.

  • BlueCare Direct – Provides access to Advocate Health Care’s vast network of 4,000+ doctors and 11 hospitals in Cook, DuPage, Kane, Lake and Will counties.

  • Blue FocusCare – New 2018 plans with a micro HMO and reduced costs for Cook county residents.
  • Especially for Chicago residents, Blue Cross Blue Shield has the best network available in 2018.
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  • HumanaOne will not be offering individual plans in most Chicago area counties
  • Humana will only be available to central Illinois residents
  • Humana Doctor Finder
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  • United HealthOne will no longer be offering individual ACA health insurance plans in 2017, so you will need to select a new plan.
  • United HealthOne will only be offering short-term plans. These plans are a cheaper alternative to the more expensive ACA individual plans but are subject to the ACA penalty
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  • Ambetter is offering HMO plans on the healthcare.gov online insurance marketplace
  • Ambetter DOES include Mt. Sinai Hospital, but has limited hospital coverage throughout the Chicago region
  • These are low-cost plans for people looking for minimum or catastrophic coverage
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  • Best value outside the Chicago area (not available everywhere)
  • Provider Finder

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