COVID-19 Resource Center

Commercial Insurance is a type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured. Health insurance is often included in benefit packages through employers. Northwestern Medicine participates with a wide variety of commercial insurance plans to meet the needs of the patient community.

Aetna

Aetna Choice POS
Aetna Choice POS II
Aetna Elect Choice
Aetna EPO
Aetna Health Network Only
Aetna Health Network Option
Aetna HMO
Aetna Illinois Preferred Plan
Aetna Managed Choice POS
Aetna NAP
Aetna Open Access Elect Choice
Aetna Open Access HMO
Aetna Open Access Managed Choice
Aetna Open Choice PPO (including, but not limited to Aetna Signature Administrators® and Open Choice)
Aetna Performance Network (Tier 2)
Aetna Premier Care Network (Contact your insurance company)
Aetna Premier Care Network Plus (Contact your insurance company)
Aetna QPOS
Aetna Savings Plus (Tier 2)
Aetna Select
Aetna Student Health
Aetna Traditional Choice
Aetna Voluntary Group Medical Plan (Indemnity Plan)

Blue Cross Blue Shield

Blue Cross Blue Shield - Blue Advantage HMO (Patients must have a referral for services)
Blue Cross Blue Shield - Blue Choice PPO
Blue Cross Blue Shield - Blue Choice Options (Tier 1) (Patients must have a referral for services)
Blue Cross Blue Shield - HMOI (Medical Group/IPA Information in Legend below) (Patients must have a referral for services)
Blue Cross Blue Shield - PPO Blue Choice Preferred Gold PPO 204
Blue Choice Preferred Gold PPO 707
Blue Precision Gold HMO 207
Blue Precision Gold HMO 703 - Rx Copays
Blue Precision Gold HMO 707
Blue Choice Preferred Silver PPO 303
Blue Choice Preferred Silver PPO 203
Blue Choice Preferred Silver PPO 706
Blue Precision Silver HMO 206
Blue Precision Silver HMO 306
Blue Precision Silver HMO 704 - Rx Copays
Blue Precision Silver HMO 706
Blue Choice Preferred Bronze PPO 302
Blue Choice Preferred Bronze PPO 502
Blue Choice Preferred Bronze PPO 201
Blue Choice Preferred Bronze PPO 202
Blue Choice Preferred Bronze PPO 601
Blue Choice Preferred Bronze PPO 701
Blue Choice Preferred Bronze PPO 705
Blue Choice Preferred Bronze PPO 708
Blue Precision Bronze HMO 205
Blue Precision Bronze HMO 701 - Rx Copays
Blue Precision Bronze HMO 708

Cigna

Cigna - Open Access
Cigna - Open Access Plus
Cigna - Choice Fund Open Access Plus
Cigna - ChoiceCare PPO
Cigna - EPO
Cigna - Global Health Benefits
Cigna - GWH POS Open Access Plus
Cigna - HMO (or POS)
Cigna - HMO (or POS) Open Access
Cigna - Local Plus
Cigna - Network Open Access
Cigna - Network POS
Cigna - One Health HMO eff 4/1/19
Cigna Plus with Northwestern Medicine (Effective 1/1/2021)
Cigna - POS
Cigna - PPO
Cigna - Shared Administration PPO and OAP

CorVel - Workers' Compensation Program/Network

Coventry Health Care - First Health HMO, PPO and POS

Global Excel - PPO

Health Alliance PPO and HMO

HFN

HFN - EPO (HFN20)
HFN - PPO (HFN10)
HFN - Workers' Compensation Program/Network

Humana

Humana - Choice POS
Humana - ChoiceCare PPO
Humana - EPO
Humana - HMO Premier
Humana - HMO Select
Humana - Illinois Platinum HMO
Humana - National Preferred POS - Open Access
Humana - PPO
Humana - Preferred PPO

Imagine Health

Magellan

MultiPlan/PHCS

The Alliance

United Healthcare

United Healthcare - All Savers
United Healthcare - Choice
United Healthcare - Choice Plus
United Healthcare - Core
United Healthcare - HMO (Patients must have a referral for services)
United Healthcare - HMO Plus (Patients must have a referral for services)
United Healthcare - Navigate
United Healthcare - Open Access (Patients must have a referral for services)
United Healthcare - Options PPO
United Healthcare - Select Plus
United Healthcare - Select
United Healthcare Affiliates - Participate through UHC PPO

Health exchanges or health insurance marketplaces were established in accordance with the Affordable Care Act (ACA) of 2010. These marketplaces provide a set of government-regulated and standardized healthcare plans where individuals may purchase health insurance policies, some of which include federal subsidies.

2023 Options

The plans below offer current access to Northwestern Medicine on Get Covered Illinois, the official health insurance marketplace for Illinois for the 2023 calendar year.

• Blue Choice Preferred PPO
• Blue Precision HMO
  Please be aware that under Blue Precision HMO at Northwestern Medicine, you are required to have an assigned primary care physician (PCP) affiliated with one of the following Northwestern Medicine sites:
  • 475 (Hospitals: Kishwaukee, Valley West, Delnor, Central DuPage, McHenry, Huntley, Woodstock, Palos. Physicians: Regional Medical Group)
• Cigna Plus With Northwestern Medicine
  An HMO product that requires the selection of a primary care physician at Northwestern Medicine.

For instructions on how to enroll in any of these plans, please call 312.926.7440, TTY 711.

Bronze

Blue Choice Preferred Bronze PPO 201
Blue Choice Preferred Bronze PPO 202
Blue Choice Preferred Bronze PPO 601
Blue Choice Preferred Bronze PPO 701
Blue Choice Preferred Bronze PPO 705
Blue Choice Preferred Bronze PPO 708
Blue Precision Bronze HMO 205
Blue Precision Bronze HMO 701 - Rx Copays
Blue Precision Bronze HMO 708
Cigna Plus With Northwestern Medicine 8700**
Cigna Plus With Northwestern Medicine 7500**
Cigna Plus With Northwestern Medicine 5000**
Cigna Plus With Northwestern Medicine 7000**
Cigna Plus With Northwestern Medicine Diabetes 6800**

Silver

Blue Choice Preferred Silver PPO 203
Blue Choice Preferred Silver PPO 706
Blue Precision Silver HMO 206
Blue Precision Silver HMO 704 - Rx Copays
Blue Precision Silver HMO 706
Cigna Plus With Northwestern Medicine 6000**
Cigna Plus With Northwestern Medicine 3000**
Cigna Plus With Northwestern Medicine 3500 Diabetes Care**
Cigna Plus With Northwestern Medicine Plan 0**
Cigna Plus With Northwestern Medicine Asthma/COPD 4200**
Cigna Plus With Northwestern Medicine 8500**

Gold

Blue Choice Preferred Gold PPO 204
Blue Choice Preferred Gold PPO 707
Blue Precision Gold HMO 207
Blue Precision Gold HMO 703 - RX Copays
Blue Precision Gold HMO 707
Cigna Plus With Northwestern Medicine 1000**
Cigna Plus With Northwestern Medicine 750**
Cigna Plus With Northwestern Medicine 1250 - Northwestern Medicine Only**

All Levels

Health Alliance Marketplace Plans HMO (requires referral from primary care physician/referring Specialist)

**In Network for Emergency Services ONLY

Government plans are a wide range of plans that include a variety of Medicare and/or Medicaid plans. Northwestern Medicine participates in traditional Medicare and Medicaid as well as Family Health Plans (FHP), Integrated Care Plans (ICP) and Medicare-Medicaid Alignment Initiative (MMAI) plans. FHP, ICP and MMAI plans are often available to individuals who were previously eligible for traditional Medicaid but are now accessing managed Medicaid plans through expansion of the Affordable Care Act or “Obamacare.”

In addition, Northwestern Medicine participates with TriCare Military Services. For active duty military personnel and their families, this is administered by a plan for the Department of Defense.

Government & Military Plans

Medicare
Medicaid
Veteran Affairs Community Care Network administered by Optum
TriCare East Administered by Humana Military 

Medicare Advantage Plans

Aetna - HMO 
Aetna - PPO 
Aetna - Open Access HMO
Aetna Prime HMO-POS
Blue Cross Blue Shield - PPO
Blue Cross Blue Shield - HMO 
Cigna True Choice Plus Medicare (PPO)
Cigna Preferred Medicare (HMO)
Cigna True Choice Medicare (PPO)
Cigna True Choice Savings Medicare (PPO)
Cigna Courage Medicare (HMO)
Cigna True Choice Courage Medicare (PPO)
Health Alliance 
Humana HMO Gold Plus
Humana PFFS
Humana PPO
Humana Honor PPO (Veterans Plan)
United Healthcare Chronic Complete Assure (PPO C-SNP)
United HealthCare Medicare Complete Access (Referrals required for specialty care, NO primary care is covered)
United HealthCare Medicare Advantage PPO 
United HealthCare AARP® Medicare Advantage Plan 1 (HMO) 
United HealthCare AARP® Medicare Advantage Plan 2 (HMO) 
United HealthCare AARP® Medicare Advantage Choice (PPO) 
United Healthcare AARP Medicare Advantage Walgreens (PPO) 
United HealthCare AARP® Medicare Advantage Patriot (PPO)

Medicare/Medicaid Alignment Initiative Agreements (MMAI)

Blue Cross Blue Shield
Humana

Medicaid Managed Care Programs/HealthChoice Illinois

Blue Cross Blue Shield
CountyCare 
Meridian