Bright Health – Illinois Health Plans


Bright Health Illinois
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2021 Plan Comparison
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Bright Health Plans

Bright Health - Illinois Health Plans

Bright Health offers individual and family insurance plans for for an incredible value.

Bright offers members access to a fantastic suite of benefits including:

  • $0 Primary Care Visits (Select Plans)
  • $0 Deductibles (Select Plans)
  • NO Primary Care Physician (PCP) selection required

This means you don’t have pick a single doctor for your care, or go through the hassle of switching your PCP mid-year like on most traditional HMOs

  • NO Referrals needed to see specialists

This is the most common complaint we hear about HMOs. Bright Health eliminated the hassle

  • Out of network coverage
    • Urgent Care/Emergency services covered in the contiguous US
    • National Urgent Care Network for Out-of-Network services

Bright Health Illinois Health Plans

Bright Health offers 10 plans in Illinois, on and off the health insurance marketplace. They offer Catastrophic, Bronze, Silver, and Gold plans.


Catastrophic Plans

Lowest premiums

Best for: Those under age 30 who desire low premiums and expect minimal medical incidents. Coverage includes 3 primary care visits, then no other benefits until the maximum out-of-pocket is reached.

Catastrophic – Three (3) $0 Primary Care Visits – $8,550 individual deductible and 0% coinsurance


Bronze Plans

Lower premiums and higher costs with use

Best for: Healthy individuals who want to minimize their monthly premiums and are comfortable with the risk of a higher deductible in the event of a high-cost health incident.

Bronze 8550 – $8,550 individual deductible and 0% coinsurance.
Bronze $0 Primary Care – $7,000 individual deductible and 0% coinsurance.
Bronze $0 Medical Deductible – $0 / $4,950 Rx individual deductible and 50% coinsurance
Bronze 7000 HSA – $7,200 individual deductible and 50% coinsurance


Silver Plans

Moderate premiums and costs

Best for: Those who expect to use their plans occasionally, and would like lower deductibles and more benefits than a Bronze plan. Also eligible for lowered copays and deductibles when you qualify for Cost Sharing Reductions on the Health Insurance Marketplace.

Silver 3000 – $5,000 individual deductible and 40% coinsurance
Silver 5000 – $3,000 individual deductible and 40% coinsurance
Silver $0 Primary Care – $0 individual deductible and 40% coinsurance
Silver $0 Deductible – $6,700 individual deductible and 40% coinsurance


Gold Plans

Generous coverage and predictable costs

Best for: People who expect to use their coverage often: ongoing prescriptions, frequent provider visits, etc. Most benefits have copays, so costs are more predictable.

Gold 1000 – $1,000 individual deductible and 20% coinsurance


Why Bright Health?

All the bright reasons to choose Bright Health

Care Partners make all the difference

Their exclusive Care Partners are some of the best reasons to choose Bright Health. They are a carefully curated network of doctors, clinics and hospitals that provide quality, affordable healthcare that’s personalized to your needs.

Thanks to their exceptional partnerships, they are able to offer benefits like $0 unlimited Primary Care Provider visits, $0 deductible plans and lower specialty copays.

Earn cash rewards for healthy actions

Each time you take a healthy action to improve your health and health plan knowledge – like choosing your primary care doctor or taking a fun health quiz – you’ll earn a Bright Health Reward.

Great family-friendly benefits

Some of our great benefits are available on ALL of our Individual & Family plans, so whatever plan you choose, you’ll have access.

Fast & convenient telehealth services

Bright Health members have convenient access to phone or video appointments through our partnership with Doctor on Demand. See quality caregivers from the comfort of your home or…anywhere.

Member Rewards Program

  • Available to all members 18+
  • Members can earn $500 cash rewards (paid on a Visa gift card) by participating in healthy actions
  • Although there is a member action step to “Select a PCP”, this is for rewards purposes as Bright Health’s goal is to engage their membership to establish care if they haven’t done so. As a reminder, Bright Health is not requiring a PCP selection/designation even though they are an HMO.

Earning your first $200 is as easy as 1-2-3. Beginning January 1st, 2021:

  • Join Bright Health Rewards, Earn $25
  • Complete your Health Risk Assessment, Earn $75
  • Select your Primary Care Provider, Earn $50

Complete the three actions above within 90 days of joining Bright Health Plan, Earn $50

Every eligible member has the opportunity to earn another $300 throughout 2021! The more you do to take charge of your health and promote well-being, the more rewards you can earn!


Bright Health Hospital Network

The Bright Health network includes a wide variety of hospitals in the Chicagoland area, with access to top hospitals like NorthShore and the entire Amita Health System.

Bright Health Illinois Service Areas

  • Greater Chicago Area
  • Cook, DuPage, Kane and Will Counties

Care Partners

  • NorthShore University
  • DuPage Medical Group
  • AMITA health
  • Edward-Elmhurst
  • Sinai

You can access care by any Bright Health Care Partner. Members do not have to designate a single Care Partner for care like a traditional HMO
Example: A member could receive care from a PCP at DuPage Medical while also receiving care from a Specialist at NorthShore or receiving urgent care at AMITA Health

Bright Health Pharmacy Benefits

67,000 National Pharmacy Locations including Walmart, CVS Pharmacy and Walgreens. In the Greater Chicago Service Area, the following pharmacies are also included in their network:

  • Mariano’s
  • Jewel-Osco
  • Costco
  • Meijer

Lab Work

  • LabCorp
  • Quest Diagnostics

Bright Health Hospital List

Facility NameIn NetworkCityZip
Adventist Bolingbrook HospitalBolingbrook60440
Adventist Glenoaks HospitalGlendale Heights60139
Adventist Hinsdale HospitalHinsdale60521
Adventist La Grange Memorial HospitalLa Grange60525
Alexian Brothers Medical CenterElk Grove Village60007
Alexian Brothers Women And Children’S HospitalHoffman Estates60169
AMITA Health Adventist Center BolingbrookBolingbrook60440
AMITA Health Adventist Medical Center GlenOaksGlendale Heights60139
AMITA Health Adventist Medical Center HinsdaleHindsdale60521
AMITA Health Adventist Medical Center La GrangeLa Grange60525
AMITA Health Alexian Brothers Medical Center Elk Grove VillageElk Grove Village60007
AMITA Health Holy Family Medical Center Des PlainesDes Plaines60016
AMITA Health Mercy Medical Center AuroraAurora60506
AMITA Health Resurrection Medical Center ChicagoChicago60631
AMITA Health Saint Francis Hospital EvanstonChicago60202
AMITA Health Saint Joseph Hospital ChicagoChicago60657
AMITA Health Saint Joseph Hospital ElginElgin60123
AMITA Health Saint Joseph Medical Center JolietJoliet60435
AMITA Health Saint Mary’s Hospital KankakeeKankakee60901
AMITA Health Saints Mary and Elizabeth Medical Center ChicagoChicago60622
Holy Cross HospitalChicago60629
Kindred Hospital – Chicago – LakeshoreChicago60660
Kindred Hospital – Chicago CentralChicago60641
Kindred Hospital – Chicago NorthChicago60618
Kindred Hospital – Chicago NorthlakeNorthlake60164
Kindred Hospital – SycamoreSycamore60178
Kindred Hospital PeoriaPeoria61605
Mount Sinai HospitalChicago60608
Mount Sinai Hospital Medical Center Of ChicagoChicago60606
Northshore Hospital System (all locations)Evanston60201
Palos Community HospitalPalos Heights60463
Presence Holy Family Medical CenterDes Plaines60016
Swedish HospitalChicago60625

What is a Network?

It’s a group of providers and facilities Bright Health has partnered with to offer affordable, quality care.

Here are some things to think about as you are making a plan choice:

Have a doctor you love and trust?
Before you choose a plan, check to see if they are in-network. If they are not, are you willing to see someone different?

Are you interested in Telehealth?

Online visits can be a great option for non-serious illnesses and injuries.

Why does the network matter?
In a word, cost. Their plans cover charges from in-network providers only, except in emergencies and other rare, pre-approved situations. Because of this, you may end up paying the entire cost for services you receive outside the network.


About Bright Health

Bright Health was started by former UHC executives who believed health insurance could better. They offer a wide variety of plans and will be in Illinois for the long haul, so don’t worry about their newer status–they’ve only grown over the years.

Contact Us

Agents are standing by! Call or text us at (312) 726-6565 to help you enroll in a Bright Health Plan or book a phone consultation with a licensed agent today.

Bright Health Illinois
Free Online Quote

Plan Brochure
2021 Plan Comparison
2021 Drug Formulary
$0 Rx List (including contraceptives)
Provider Directory