Blue Cross and Blue Shield of Illinois Health Insurance
Quotes, Costs, Plans and Coverage for Individuals and Families

Blue Cross and Blue Shield of Illinois (BCBSIL) traces its roots to the depths of the Great Depression and a group of Chicago business leaders who witnessed how relatively minor illnesses that required a hospital stay were ruining families financially. In 1936, they pooled their own savings and launched a not-for-profit company called Hospital Service Corporation to offer an affordable pre-paid hospital plan, which was a new concept at that time. Today, Blue Cross Blue Shield of Illinois is the largest and most experienced health insurance company in the state with more than 6.5 million members.

Blue Cross Blue Shield of Illinois offers health insurance coverage for individuals and families and divides the plans into four general categories.  Each category has different costs and monthly health insurance quotes associated with it.  Premier Plans also known as SelectBlue plans are PPO type plans with annual out-of-pocket expense limits, deductibles, coinsurance and network coverage.  These plans are the most similar to plans offered by employer groups and are typically the most expensive plans offered by Blue Cross Blue Shield of Illinois.  Budget Conscious Plans also known as BlueValue plans are also PPO style plans but you pay a lower monthly premium in exchange for paying a portion of other health care costs.  Coverage includes outpatient prescription drug benefits, diagnostic testing, emergency care and optional maternity benefits.  Health Savings Account (HSA) compatible insurance plans, also known as BlueEdge plans, are high deductible health insurance plans that offer reliable coverage and affordable monthly premiums and are compatible with health savings accounts.  Short Term Health Insurance Plans also called SelecTEMP PPO plans are just like they sound, best for short term medical insurance coverage.  They cover many of the most costly health care services and keep you and your family protected.

Blue Cross Blue Shield of Illinois has excellent web site resources including tools that enable individuals to generate a quick quote for insurance to determine pricing options and health insurance costs, a shop by price feature which enables you to choose your budget range first and then view health insurance coverage that will fit your budget, and a Health care IQ test that tells you what you know about health insurance basics.  When it comes to health insurance for individuals and families in Illinois, Blue Cross Blue Shield of Illinois is favorite choice.