All Blue Cross and Blue Shield of Illinois Silver plans offer the same set of health benefits, quality and amount of care. Your Silver plan options are different in how much you’ll pay each month, how much of your health care bill is covered for things like hospital visits and prescriptions and how much your out-of-pocket costs are:
- Silver plans have a monthly bill that's lower than that of Gold plans
- With a Silver plan, you’ll have lower out-of-pocket costs than with a Bronze plan
- Silver plans offer you and your family a balance of monthly payments and cost of care when you need help
- In most cases, Silver plans cover 70% of costs while you cover 30%
An Affordable Health Plan for You and Your Family
A Silver plan may be for you if you:
- Have a spouse or children on your health plan
- Want a balance of out-of-pocket costs and monthly bills
- Have regular medical needs, like 1 or 2 doctor visits a year
Your Other Metallic Plan Options
Find out if Gold or Bronze plan options are a better fit for your budget and coverage needs.
Frequently Asked Questions
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How can I find different plans and how much they cost?
When you’re looking for a new health plan, you’ll normally be able to find all available plans and their monthly bill on the shopping platform you’re using. The plans you can enroll in are determined by your ZIP code.
With BCBSIL, you can find available plans and their costs by adding your information, like name and ZIP code, to the online shopping platform.
Understand other health plan costs, like deductibles and premiums, and how they work together.
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Am I able to change my health plan?
There are two “seasons” for Individual and Family health insurance, each with different guidelines for enrolling in a new health plan.
Open Enrollment Period: During Open Enrollment, you’re free to pick a new Individual and Family plan. You don’t have to go through any life changes like you do during Special Enrollment. Open Enrollment starts November 1st and typically lasts just over 2 months, ending January 16th.
Special Enrollment Period: During Special Enrollment, you can choose a new health plan if you’ve gone through certain life changes that affect your coverage. Some of the more common events are losing or changing jobs, getting married, having or adopting a child or moving. Learn more about the Special Enrollment period.
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How can I find my health plan’s benefits?
Most of your plan’s benefits can be found in your Summary of Benefits. There, you’ll find a brief breakdown of your plan’s costs, covered services, benefits, and more.
As a BCBSIL member, you’ll have more than just the benefits covered in your plan – you’ll get savings on health and wellness costs with Blue365®, guidance for your health journey through the Well OnTarget® portal and more.