Commercial Insurance Plans
Commercial insurance is a type of private health insurance coverage that pays for your medical and surgical expenses. Unlike government-sponsored insurance, commercial insurance is often offered through your employer’s benefit packages. If your insurance network doesn’t include the University of Chicago Medicine, but has out-of-network benefits, your services can be processed against these benefits. That means you may have a higher out-of-pocket responsibility than if you receive services from an in-network provider. Your insurance company's customer service representative can help verify your benefits, out-of-pocket costs and coverage. UChicago Medicine contracts with many commercial insurance plans to meet the needs of our patients.
We accept the following commercial/large group employer insurance plans:
| Commercial Insurance Plans | UChicago Medicine | Ingalls |
| Advantage Health Solutions HMO - Commercial Plans Only |
Y* | N |
| Advantage Health Solutions POS - Commercial Plans Only |
Y | N |
| Advantage Health Solutions Choice PPO - Commercial Plans Only |
Y | Y |
| Aetna Choice POS II |
Y | Y |
| Aetna Premier Care Network (APCN) Choice POS II |
N | Y |
| Aetna Premier Care Network Plus Choice POS II |
N | Y |
| Aetna Elect Choice EPO |
Y* | Y |
| Aetna Health Network Only |
Y | Y |
| Aetna Health Network Option |
Y | Y |
| Aetna HMO |
Y* | Y |
| Aetna Limited Benefits Insurance Plan PPO |
Y | Y |
| Aetna Managed Choice POS |
Y | Y |
| Aetna Meritain Health |
Y | Y |
| Aetna Open Access Elect Choice EPO |
Y | Y |
| Aetna Open Access HMO |
Y* | Y |
| Aetna Open Access Managed Choice POS |
Y | Y |
| Aetna Open Access Aetna Select |
Y | Y |
| Aetna Premier Care Network (APCN) Open Access Aetna Select |
N | Y |
| Aetna Premier Care Network Plus Open Access Aetna Select |
N | Y |
| Aetna Open Choice PPO |
Y | Y |
| Aetna Passport To Healthcare |
Y | Y |
| Aetna Quality Point-of-Service (QPOS) |
Y | Y |
| Aetna Savings Plus |
Y, Tier 2 |
Y |
| Aetna Select |
Y* | Y |
| Aetna Signature Administrators |
Y | Y |
| Aetna Student Health Plans |
Y | Y |
| Aetna Traditional Choice |
Y | Y |
| Aetna Voluntary Group Medical Plan (Indemnity Plan) |
Y | Y |
| ArcelorMittal Steel PPO |
Y | N |
| Baptist Health Network (Kentucky) PPO |
Y | N |
| BCBS Blue Advantage HMO [ADV] |
Y* | Y |
| BCBS BlueEdge HSA [PPO] |
Y | Y |
| BCBS BlueEdge Select HSA [BCS] |
N | N |
| BCBS BlueCard Program |
Y | Y |
| BCBS BluePrint PPO [PPO] |
Y | Y |
| BCBS Caterpillar |
Y | Y |
| BCBS Choice Options/Blue Options [BCO] |
Y, Tier 2 | Y, Tier 2 |
| BCBS Choice Select PPO [BCS] |
N | N |
| BCBS Federal Employee Health Benefits (FEHB) Basic Option |
Y | Y |
| BCBS Federal Employee Health Benefits (FEHB) FEP Blue Focus |
Y | Y |
| BCBS Federal Employee Health Benefits (FEHB) Standard Option |
Y | Y |
| BCBS HMO (HMOI) [HMO] | Y* | Y |
| BCBS PPO [PPO] |
Y | Y |
| Beech Street PPO |
Y | N |
| Cigna Choice Fund Open Access Plus |
Y | Y |
| Cigna Choice Fund PPO |
Y | Y |
| Cigna EPO |
Y | Y |
| Cigna One Health HMO |
Y** | Y |
| Cigna Local Plus |
N | N |
| Cigna Open Access Plus/Open Access Plus In-Network |
Y | Y |
| Cigna POS |
Y | Y |
| Cigna PPO |
Y | Y |
| City of Hammond Employees PPO |
Y | N |
| Cofinity PPO |
Y | Y |
| Community Health Alliance (Indiana) |
Y | N |
| Community Healthcare System PPO |
Y | N |
| First Health PPO |
Y | Y |
| Health Alliance HMO |
Y* | N |
| Health Alliance POS |
Y* | N |
| Health Alliance PPO |
Y | N |
| Health Care's Finest Network (HFN) |
Y | Y |
| Healthlink Open Access I (accessing the Unicare Agreement) |
Y | Y |
| Healthlink Open Access II (accessing the Unicare Agreement) |
Y | Y |
| Healthlink Open Access III (accessing the Unicare Agreement) |
Y | Y |
| Humana Choice POS |
N | Y |
| Humana ChoiceCare PPO |
N | Y |
| Humana EPO PPO Open Access |
N | Y |
| Humana HMO Premier / Premier Open Access |
N | Y |
| Humana HMO Select |
N | Y |
| Humana IL Platinum HMO |
N | Y |
| Humana National EPO |
N | Y |
| Humana National POS - Open Access |
N | Y |
| Humana PPO / Preferred PPO |
N | Y |
| Humana Preferred POS-Open Access |
N | Y |
| Imagine Health Smart E Network/SmartCare (Limited Network for Specific Employers) |
N | Y |
| Indiana Health Network PPO |
Y | N |
| Interplan Health Group (Owned by Health Smart) |
Y | Y |
| Lutheran Preferred PPO |
Y | N |
| Mohr Health Systems PPO |
Y | N |
| MultiPlan PPO |
Y | Y |
| PHCS PPO (Owned by Multiplan) |
Y | Y |
| PHCS Savility PPO (Owned by Multiplan) |
Y | Y |
| Preferred Network Access (PNA) for NECAIBEW Local Union 697 Only |
Y | Y |
| Preferred Plan, Inc. (Owned by Health Smart) |
Y | Y |
| Sagamore Health Network PPO |
Y | N |
| Select Health Network PPO |
Y | N |
| Southeastern Indiana Health Organization (SIHO) PPO |
Y | N |
| Three Rivers Provider Network PPO |
Y | N |
| Unicare HMO |
N | Y |
| Unicare POS |
Y | Y |
| Unicare PPO |
Y | Y |
| United Healthcare Affiliates through UHC PPO |
Y | Y |
| United Healthcare Charter |
N | N |
| United Healthcare Charter Plus |
N | Y |
| United Healthcare Choice HMO |
Y* | Y |
| United Healthcare Choice Plus (POS/PPO) |
Y | Y |
| United Healthcare Compass | N | N |
| United Healthcare Core |
N | Y |
| United Healthcare Navigate |
N | Y |
| United Healthcare Options (PPO) |
Y | Y |
| United Healthcare Select (HMO & EPO) |
Y* | Y |
| United Healthcare W500 Emergent Wrap |
Y | Y |
| University of Chicago Health Plan (UCHP) |
Y | Y |
Y-Contracted
N-Not Contracted
*Specialty care only with referral; No primary care
**Y, patients can have UCMC PCP. If PCP not at UCMC, specialists w/referrals only
We accept the following exchange or health insurance marketplace plans:
| Individual/Exchange Plans | UChicago Medicine | Ingalls |
| Aetna CVS Health HMO | N | N |
| Aetna CVS PPO |
Y | Y |
| Ambetter of Illinois HMO |
N | N |
| BCBS Blue Choice Preferred PPO |
N | N |
| BCBS Blue FocusCare HMO (ending 12/31/2024) |
N | N |
| BCBS Blue Precision HMO |
Y* | Y |
| BCBS BlueCare Direct with Advocate HMO |
N | N |
| BCBS MyBlue Plus POS (starting 1/1/2025) | Y* | Y |
| Cigna Connect HMO |
N | N |
| Health Alliance HMO/POS | N | N |
| Molina Healthcare HMO | N | N |
| Oscar Health Choice |
Y** | Y |
| Oscar Health Select |
N | N |
Y-Contracted
N-Not Contracted
*Specialty care only with referral; No primary care
**Y, patients can have UCMC PCP. If PCP not at UCMC, specialists w/referrals only
We participate in the following transplant network plans:
- Aetna
- AIG Medical
- American Health Holding
- Blue Distinction Centers for Transplant (BDCT)
- Cigna LifeSource
- Community Healthcare System
- General Electric
- Interlink
- Kaiser Permanente
- Optum
- Southeastern Indiana Health Organization (SIHO)
- Tethys Health Ventures
- USA Network
- Zing Health (Medicare Advantage Plan)
Our list of accepted insurance providers is subject to change at any time. You should contact your insurance company to confirm UChicago Medicine participates in their network before scheduling your appointment. Your insurance plan's customer service representatives can also help you verify your benefits, out-of-pocket costs and coverage. If you have questions regarding your insurance benefits at UChicago Medicine, please contact our financial counseling team at OPSFinancialCounseling@uchospitals.edu.
We accept the following commercial/large group employer insurance plans:
| Commercial Insurance Plans | UChicago Medicine | Ingalls |
| Advantage Health Solutions HMO - Commercial Plans Only |
Y* | N |
| Advantage Health Solutions POS - Commercial Plans Only |
Y | N |
| Advantage Health Solutions Choice PPO - Commercial Plans Only |
Y | Y |
| Aetna Choice POS II |
Y | Y |
| Aetna Premier Care Network (APCN) Choice POS II |
N | Y |
| Aetna Premier Care Network Plus Choice POS II |
N | Y |
| Aetna Elect Choice EPO |
Y* | Y |
| Aetna Health Network Only |
Y | Y |
| Aetna Health Network Option |
Y | Y |
| Aetna HMO |
Y* | Y |
| Aetna Limited Benefits Insurance Plan PPO |
Y | Y |
| Aetna Managed Choice POS |
Y | Y |
| Aetna Meritain Health |
Y | Y |
| Aetna Open Access Elect Choice EPO |
Y | Y |
| Aetna Open Access HMO |
Y* | Y |
| Aetna Open Access Managed Choice POS |
Y | Y |
| Aetna Open Access Aetna Select |
Y | Y |
| Aetna Premier Care Network (APCN) Open Access Aetna Select |
N | Y |
| Aetna Premier Care Network Plus Open Access Aetna Select |
N | Y |
| Aetna Open Choice PPO |
Y | Y |
| Aetna Passport To Healthcare |
Y | Y |
| Aetna Quality Point-of-Service (QPOS) |
Y | Y |
| Aetna Savings Plus |
Y, Tier 2 |
Y |
| Aetna Select |
Y* | Y |
| Aetna Signature Administrators |
Y | Y |
| Aetna Student Health Plans |
Y | Y |
| Aetna Traditional Choice |
Y | Y |
| Aetna Voluntary Group Medical Plan (Indemnity Plan) |
Y | Y |
| ArcelorMittal Steel PPO |
Y | N |
| Baptist Health Network (Kentucky) PPO |
Y | N |
| BCBS Blue Advantage HMO [ADV] |
Y* | Y |
| BCBS BlueEdge HSA [PPO] |
Y | Y |
| BCBS BlueEdge Select HSA [BCS] |
N | N |
| BCBS BlueCard Program |
Y | Y |
| BCBS BluePrint PPO [PPO] |
Y | Y |
| BCBS Caterpillar |
Y | Y |
| BCBS Choice Options/Blue Options [BCO] |
Y, Tier 2 | Y, Tier 2 |
| BCBS Choice Select PPO [BCS] |
N | N |
| BCBS Federal Employee Health Benefits (FEHB) Basic Option |
Y | Y |
| BCBS Federal Employee Health Benefits (FEHB) FEP Blue Focus |
Y | Y |
| BCBS Federal Employee Health Benefits (FEHB) Standard Option |
Y | Y |
| BCBS HMO (HMOI) [HMO] | Y* | Y |
| BCBS PPO [PPO] |
Y | Y |
| Beech Street PPO |
Y | N |
| Cigna Choice Fund Open Access Plus |
Y | Y |
| Cigna Choice Fund PPO |
Y | Y |
| Cigna EPO |
Y | Y |
| Cigna One Health HMO |
Y** | Y |
| Cigna Local Plus |
N | N |
| Cigna Open Access Plus/Open Access Plus In-Network |
Y | Y |
| Cigna POS |
Y | Y |
| Cigna PPO |
Y | Y |
| City of Hammond Employees PPO |
Y | N |
| Cofinity PPO |
Y | Y |
| Community Health Alliance (Indiana) |
Y | N |
| Community Healthcare System PPO |
Y | N |
| First Health PPO |
Y | Y |
| Health Alliance HMO |
Y* | N |
| Health Alliance POS |
Y* | N |
| Health Alliance PPO |
Y | N |
| Health Care's Finest Network (HFN) |
Y | Y |
| Healthlink Open Access I (accessing the Unicare Agreement) |
Y | Y |
| Healthlink Open Access II (accessing the Unicare Agreement) |
Y | Y |
| Healthlink Open Access III (accessing the Unicare Agreement) |
Y | Y |
| Humana Choice POS |
N | Y |
| Humana ChoiceCare PPO |
N | Y |
| Humana EPO PPO Open Access |
N | Y |
| Humana HMO Premier / Premier Open Access |
N | Y |
| Humana HMO Select |
N | Y |
| Humana IL Platinum HMO |
N | Y |
| Humana National EPO |
N | Y |
| Humana National POS - Open Access |
N | Y |
| Humana PPO / Preferred PPO |
N | Y |
| Humana Preferred POS-Open Access |
N | Y |
| Imagine Health Smart E Network/SmartCare (Limited Network for Specific Employers) |
N | Y |
| Indiana Health Network PPO |
Y | N |
| Interplan Health Group (Owned by Health Smart) |
Y | Y |
| Lutheran Preferred PPO |
Y | N |
| Mohr Health Systems PPO |
Y | N |
| MultiPlan PPO |
Y | Y |
| PHCS PPO (Owned by Multiplan) |
Y | Y |
| PHCS Savility PPO (Owned by Multiplan) |
Y | Y |
| Preferred Network Access (PNA) for NECAIBEW Local Union 697 Only |
Y | Y |
| Preferred Plan, Inc. (Owned by Health Smart) |
Y | Y |
| Sagamore Health Network PPO |
Y | N |
| Select Health Network PPO |
Y | N |
| Southeastern Indiana Health Organization (SIHO) PPO |
Y | N |
| Three Rivers Provider Network PPO |
Y | N |
| Unicare HMO |
N | Y |
| Unicare POS |
Y | Y |
| Unicare PPO |
Y | Y |
| United Healthcare Affiliates through UHC PPO |
Y | Y |
| United Healthcare Charter |
N | N |
| United Healthcare Charter Plus |
N | Y |
| United Healthcare Choice HMO |
Y* | Y |
| United Healthcare Choice Plus (POS/PPO) |
Y | Y |
| United Healthcare Compass | N | N |
| United Healthcare Core |
N | Y |
| United Healthcare Navigate |
N | Y |
| United Healthcare Options (PPO) |
Y | Y |
| United Healthcare Select (HMO & EPO) |
Y* | Y |
| United Healthcare W500 Emergent Wrap |
Y | Y |
| University of Chicago Health Plan (UCHP) |
Y | Y |
Y-Contracted
N-Not Contracted
*Specialty care only with referral; No primary care
**Y, patients can have UCMC PCP. If PCP not at UCMC, specialists w/referrals only
We accept the following exchange or health insurance marketplace plans:
| Individual/Exchange Plans | UChicago Medicine | Ingalls |
| Aetna CVS Health HMO | N | N |
| Aetna CVS PPO |
Y | Y |
| Ambetter of Illinois HMO |
N | N |
| BCBS Blue Choice Preferred PPO |
N | N |
| BCBS Blue FocusCare HMO (ending 12/31/2024) |
N | N |
| BCBS Blue Precision HMO |
Y* | Y |
| BCBS BlueCare Direct with Advocate HMO |
N | N |
| BCBS MyBlue Plus POS (starting 1/1/2025) | Y* | Y |
| Cigna Connect HMO |
N | N |
| Health Alliance HMO/POS | N | N |
| Molina Healthcare HMO | N | N |
| Oscar Health Choice |
Y** | Y |
| Oscar Health Select |
N | N |
Y-Contracted
N-Not Contracted
*Specialty care only with referral; No primary care
**Y, patients can have UCMC PCP. If PCP not at UCMC, specialists w/referrals only
We participate in the following transplant network plans:
- Aetna
- AIG Medical
- American Health Holding
- Blue Distinction Centers for Transplant (BDCT)
- Cigna LifeSource
- Community Healthcare System
- General Electric
- Interlink
- Kaiser Permanente
- Optum
- Southeastern Indiana Health Organization (SIHO)
- Tethys Health Ventures
- USA Network
- Zing Health (Medicare Advantage Plan)
Our list of accepted insurance providers is subject to change at any time. You should contact your insurance company to confirm UChicago Medicine participates in their network before scheduling your appointment. Your insurance plan's customer service representatives can also help you verify your benefits, out-of-pocket costs and coverage. If you have questions regarding your insurance benefits at UChicago Medicine, please contact our financial counseling team at OPSFinancialCounseling@uchospitals.edu.