Review Your 2021 Health Packet

When you get your personalized health packet in the mail, you can review important sections like:

  • Your 2021 Health Plan - highlights any changes to your current plan for next year
  • Benefit Changes - shows your 2021 benefit and out-of-pocket cost updates
  • Pharmacy Information and Prescription Drug Changes - features 2021 prescription benefit changes
  • Your Dental Plan - lists dental plan information if you have dental coverage

Learn About Participating Provider Option (PPO) Health Plans

A Participating Provider Option (PPO) health plan works differently than an HMO health plan.

With a PPO, you:

  • Still have a provider network, but don't need to select a Primary Care Provider (PCP) for your care needs
  • Can get care from in-network and out-of-network providers, but you may pay less if you stay in-network
  • Can see a specialist without a PCP referral

Get PPO details

Use These Helpful Tips

When you're thinking about your 2021 health plan choices, make sure to:

  • Find a doctor. Check if your doctors and hospitals are in-network. Use Provider Finder
  • Search drugs by name. See if any covered prescription drugs have changed. Review drug list
  • Get a premium tax credit estimate. Learn if you can get a subsidy, also known as a premium tax credit, to lower your monthly premium payment. Begin estimate
  • Receive electronic communications. Sign up to get your welcome kit digitally instead of by mail. Set preferences

You May Qualify for a Subsidy

Subsidies helped 85% of new members lower their monthly bill in 2020.1

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

Individuals with Incomes Below $51,404

Couples with Incomes Below $68,960

Families of 4 with Incomes Below $104,800

Your 2021 Health Plan Options

Your health care coverage is your choice. You can renew your current health plan or buy a new 2021 health plan during the Open Enrollment Period (OEP).  These dates are November 1 - December 15, 2021.

Plus, because your plan is ending, you also qualify for a Special Enrollment Period (SEP).  This gives you extra time to buy your 2021 health plan.  These dates are January 1 - February 28, 2021.

Please note, if you want coverage that starts on January 1, 2021, you must enroll in a new plan on or before December 31, 2020.

Here are your 2 choices for 2021:

Stay With the Same Plan

If you'd like to keep the health plan you have now, no action is needed. Simply pay your monthly premium bill by your next due date.

Explore Other BCBSIL Plan Options

BCBSIL has a variety of health plan options for you and your family. If you'd like to look for new health care coverage, you can buy a new health plan on our website during 2021 OEP.

See examples that may help you pick your health plan.

If you're working with an agent

Please note, if you have been working with an agent, you'll need to assign your agent when shopping online.

Here's how:

  1. Select Find an Agent
  2. Enter agent's information, like first name, last name, agency, agency ID, email address, city, state, zip code and phone number
  3. Select Search
  4. Select the right name to add to your online application

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1 Source:, Early 2020-2019 Effectuated Enrollment Report