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Insurance Basics

Learning health insurance basics can help you choose your health plan and know how it works.

Plan types

Type of Plans

BCBSIL offers many health plans.

Health Insurance Costs

Learn what premiums, deductibles, copayments and coinsurance are and how they work together.

Review costs

Open Enrollment Period (OEP)

You can apply for a 2021 health plan through August 15, 2021.

Apply now

Health Care Terms

Look up common health care terms in our glossary.

Search glossary

You May Qualify for a Subsidy

Don’t miss your chance to get financial help.

Subsidies helped 92% of new members lower their monthly bill in 2020.1

If you had financial help in 2020, your subsidy may differ in 2021 if you’ve had a change in family size or income.

Get Estimate

1 CMS.gov, Early 2020-2019 Effectuated Enrollment Report 

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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 listed on 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.