Doctor smiling in hallway

Flexible Group Health Insurance Plans

With Options Designed to Improve Your Bottom Line

Your health care needs are as unique as your business. That’s why Blue Cross and Blue Shield of Illinois (BCBSIL) offers health care coverage with a wide variety of options across a range of price levels. We’re here to help you find the plan that’s the right fit for your business, and the right choice for your workforce. Discover how easy BCBSIL makes it for businesses of all sizes to stay under budget and on top of your employee health.

Let’s Take Care of Your Employees’ Health, Together

Choose from a variety of health care plan options that allow you access to our large network of providers and comprehensive benefits. We’re here to help you streamline administration, control costs and meet regulatory requirements. Plus, we’ll help your employees enroll in benefits and maintain a healthy lifestyle to deliver better care for your employees and a better value for your business.

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What are PPO and HMO Group Insurance Plans?

  • HMO, or Health Maintenance Organization, plans facilitate coverage through a primary care provider (PCP) from your employee’s choice of physicians within our network.
  • PPO, or Preferred Provider Organization, plans usually carry a higher monthly premium while allowing your employees to choose any physician they wish, either inside or outside the BCBSIL network.

Explore PPO Plans

The BCBSIL PPO network gives you flexible benefit design options at a price you can afford while giving your employees a wide range of benefits and the freedom to visit any doctor they choose.

Blue OptionsSM

Best Fit: 2-50 Employees

Blue Options helps you control your care and expenses with lower out-of-pocket costs for in-network doctors and hospitals, and the choice to use providers in the larger PPO network at a higher cost.

Blue Choice Preferred PPOSM

Best Fit: 2-50 Employees

Blue Choice Preferred PPO is a comprehensive PPO network of doctors and hospitals with higher monthly premium and often lower out-of-pocket costs.

BluePrint PPOSM

Best Fit: 51-150 Employees

Access to more than 23,000 doctors and over 200 hospitals. Members can choose any doctor or hospital. Benefits include hospital/surgical care, maternity care and diagnostics testing.

Blue Choice Select PPOSM

Best Fit: 51-150 and 151+ Employees

Includes all the features of a PPO plan. The difference that sets Blue Choice Select PPO apart is that it uses the Blue Choice PPOSM network which is a select, more affordable network than the larger PPO network.

Explore HMO Plans

The HMO network provides basic care and prescription medication coverage while coordinating with our care specialists for any necessary referrals. Your employees have a choice of Primary Care Providers from a large network of contracting HMO physicians and medical groups.

Blue Advantage HMOSM

Best Fit: 51-150 and 151+ Employees

Provides basic medical care and medication. Coordinates care and treatment with specialists and provides appropriate referrals. Flexible plan design options with deductible/coinsurance and copay features

BluePrintSM HMO

Best Fit: 51-150 Employees

Members choose a contracting medical group or independent practice association from one of the largest HMO networks in the state with no annual deductible and generally no claim forms.


Best Fit: 51-150 Employees

Offers a choice of primary care providers with coverage for preventive health services. HMO Blue also provides access to the BlueCard® Program, our most comprehensive provider network for emergency care while travelling.

BCBSIL Supports Your Business

Health care benefits are a crucial part of recruiting new employees and retaining your existing workforce. That’s why BCBSIL provides you with the tools, resources, and professional health care expertise you need to maintain the health, productivity, and satisfaction of the employees who help your business thrive.

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