Types of Health Insurance Coverage

Below are the most common types of family and individual health insurance coverage offered. If you are looking for maternity coverage, dental services or prescription drug coverage, check out the plan details for different types of health insurance and specific plans to make sure you get the coverage you need.

INDIVIDUAL HEALTH INSURANCE FOR YOURSELF AND YOUR FAMILY

Individual and family coverage is also known as major medical or comprehensive coverage. When you think of health insurance, this is likely the first type of health insurance you think of. It covers a wide range of services. This type of health insurance coverage:

Lasts a year or longer
Usually can be renewed
Meets the requirements set by the Affordable Care Act and includes:
- Emergency services, hospitalization, and preventive care
- Maternity, newborn and pediatric care
- Mental health care & substance abuse treatment
- Laboratory services, prescription drugs, and disease management
- Rehabilitative services and devices

If you enroll in Individual health insurance and family coverage, you may be able to get help paying for it with a premium tax credit or cost-sharing assistance. Learn more about getting financial help to lower your monthly bill.

Need more information about individual health insurance and family coverage? Attend an event and see us in person.

Group Health Insurance Plan

If you get your health plan through your job, this is called a group health insurance plan. It's also known as group coverage or a group plan.

Dental

Dental insurance plans provide coverage for part of the dental costs for you and your family. This type of health insurance:

Can cover a wide range of dental services or just basic, routine care.
Can be bought as part of your Blue Cross and Blue Shield of Illinois (BCBSIL) individual and family health plan or separately, as a stand-alone dental plan.
Is required for children age 18 or younger under the Affordable Care Act.

Medicare

Medicare is a type of health insurance coverage for people age 65 or older, or people under 65 with certain disabilities or illnesses.

You can add to your Original Medicare Part A (hospital) and Part B (medical) to help strengthen your health insurance safety net:

Part C – Medicare Advantage Plans can be seen as all-in-one coverage, some with built-in prescription drug coverage
Part D – Prescription drug coverage that pays for approved drugs
Medicare Supplement Insurance Plans – May help pay for health care costs not covered by Original Medicare

Need more information? Attend an event and see us in person.

Medicaid and Children's Health Insurance Program (CHIP)

Medicaid and CHIP are types of low or no-cost health insurance through the government. Your eligibility is based on your household size and income and determined by the government. You can apply any time of year.

If you qualify, your coverage can start right away.
For Medicaid, visit Medicaid.gov
For CHIP, visit insurekidsnow.gov or call 1-877-543-7669

Tab One Ask Question

Ask a Sales Question

Please fill out the form below and a licensed agent will contact you to help answer your questions.

First Name* Please enter a valid first name

Last Name* Please enter a valid last name

Phone* Please enter a valid phone number

Email Address Please enter a valid email address

How would you prefer to be contacted?

Phone

Email

The nature of your question* Please enter a question

50characters remaining

You must be at least 18 years old to submit a request.

*Required

Thank you!

Your information has been received.

Sorry!

There has been an error with your submission.

Tab Two Request Brochure

Request a Brochure

Please fill out the form below and we will send you information about our health insurance plans.

Select a Brochure*

First Name* Please enter a valid first name

Last Name* Please enter a valid last name

Email Address* Please enter a valid email address

Phone Number Please enter a valid phone number

If you provide a phone number, an agent may call you to make sure that you received the information and to answer any questions that you might have.

You must be at least 18 years old to submit a request.

*Required

Thank you!

Your information has been received.

Sorry!

There has been an error with your submission.

Tab Three Request Agent

Online Agent Request Form

Please fill out the form below and a Blue Cross and Blue Shield of Illinois authorized agent will contact you within 1 to 2 business days. They will schedule an appointment at a time and location that is convenient for you. There is no cost or obligation for this service.

Please select the product you are interested in

Individual and Family Products Medicare Plan Options (Medicare Advantage, Medicare Supplement, Part D)

First Name* Please enter a valid first name

Last Name* Please enter a valid last name

Email Address* Please enter a valid email address

Date of Birth* Please enter a valid date of birth (MM/DD/YYYY)

City*

Please enter a valid city

State*

Please select a state

Zip Code* Please enter a valid zip code

Phone* Please enter a valid phone number

You must be at least 18 years old to submit a request.

*Required

Thank you!

Your information has been received.

Sorry!

There has been an error with your submission.

Tab Four Call Us

Need Assistance Shopping?

Sales Questions and Additional Plan Information:
1-866-514-8044
Calls may or may not be answered inside the United States.

Monday – Friday: 8 a.m. – 8 p.m. CT
Saturday: 8 a.m. – 6 p.m. CT
Sunday: 10 a.m. – 2 p.m. CT

Customer Service:
1-800-538-8833
Calls may or may not be answered inside the United States.

Monday – Friday: 7 a.m. – 8 p.m. CT
Saturday: 8 a.m. – 5 p.m. CT
Sunday: Closed

Already a member?
Call the Customer Service number on the back of your member ID card.

New to Medicare or Need Help Shopping for a Plan?

Call us at 1-877-213-1821 TTY 711

We’re open between 8 a.m. – 8 p.m., local time, 7 days a week. If you’re calling from April 1 through September 30, alternate technologies (for example, voicemail) will be used on the weekends and holidays.