Get in Touch by Phone
1-833-923-1784
Get in Touch by Phone
1-833-923-1784
Looking for group insurance plans for your small business in Illinois? BCBSIL offers flexible small-group health insurance plans to fit your budget and your employee’s needs. Our plans give members access to a large network of providers and comprehensive coverage.
All of BCBSIL’s small business health plan options include comprehensive coverage under the Affordable Care Act 
(ACA), including:
Regarding health plans, "metal" tiers easily identify how costs are split between the insurance company and the insured. The tiers will help you find the right medical plan for you and your employees.
Platinum plans are the most expensive plans from a premium perspective because they are also considered the richest. Insurance carriers typically cover approximately 90% of the cost of covered services.
In Gold plans, the insurance carrier typically covers about 80% of the cost of services, which results in higher premiums than the Bronze and Silver plans.
Silver plan monthly premiums are more than Bronze plans, but the out-of-pocket costs for services are lower with the insurance carrier covering around 70% of the cost of services.
Bronze plans have the lowest monthly premiums, but highest out-of-pocket costs. Typically the insurance carrier will cover 60% of the cost of services.
Get Your Illinois Group Health Insurance Quote Today 
Plan options within each metal tier include Participating Provider Option (PPO) and Health Maintenance Organization (HMO) choices. Learn more about the differences between these options:
PPO plans allow members more flexibility than an HMO to see specialists. Members can choose a primary care physician (PCP).
Members in HMO plans choose a primary care physician (PCP) who coordinates the patient's care. To see specialists, members need a referral from their PCP.
2-50 Employees
The PPO network gives you flexible benefit design options at a price you can afford while giving your employees a wide range of benefits and the freedom to visit any doctor they choose, with benefits paid at a higher level when the doctor is within the network.
Network
Broad
Coverage
Statewide
Medical Group
Selection Required
No
Referral Required
No
Out-of-Network
Coverage
Yes
2-50 Employees
Blue Options helps you control your care and expenses with lower out-of-pocket costs for in-network doctors and hospitals, and the choice to use providers in the larger PPO network at a higher cost.
Network
Tiered
Coverage
Tier 1 - Statewide
Tier 2 - Statewide
Medical Group
Selection Required
No
Referral Required
No
Out-of-Network
Coverage
Yes
2-50 Employees
Blue Choice Preferred PPO is a comprehensive PPO network of doctors and hospitals with higher monthly premium and often lower out-of-pocket costs.
Network
Broad
Coverage
Statewide
Medical Group
Selection Required
No
Referral Required
No
Out-of-Network
Coverage
Yes
2-50 Employees
BCBSIL Blue Advantage HMO is a smart network that covers 100% of employee health care costs so your employees will only need to cover copays for medical services in most cases.
Network
Smart
Coverage
Statewide
Medical Group
Selection Required
Yes
Referral Required
Yes
Out-of-Network
Coverage
No, except for emergency or accident.
*Metallic-level availability varies by plan and network.
Blue Cross and Blue Shield of Illinois plans give you and your employees more access to care with in-network Telehealth visits at the same cost as an in-office visit.
Select an HSA plan for you and your employees that features $0 copay for some preventive drugs. HSA plans help employees stick to their treatment regimen and better manage their health conditions.
