Bright Health Plans Announcement

After plan year 2022, Bright HealthCare will no longer offer Individual and Family Plans, and will also no longer offer Medicare Advantage products outside of California and Florida. Current members will need to select a new plan during the open enrollment period (OEP) that runs from November 1 to December 15, 2022 to ensure a January 1, 2023 effective date.

Schedule a call with one of our experienced brokers to help you find an alternate plan that best fits your health needs. 

2022 Bright Health Information:

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 – 8700 – $8,700 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 8700 – $8,700 individual deductible and 0% coinsurance.
Bronze 8700 + $0 Mental Health – $8,700 individual deductible and 0% coinsurance.
Bronze 7200 – $7,200 individual deductible and 50% coinsurance
Bronze 7200 + Adult Dental and Vision – $7.200 individual deductible and 50% coinsurance
Bronze $0 Medical Deductible – $0 Medical / $4,950 rx individual deductible and 50% coinsurance
Bronze 5300 HSA – $5,300 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 4000 – $4,000 individual deductible and 40% coinsurance
Silver 3000 – $3,000 individual deductible and 40% coinsurance
Silver 5000 – $5,000 individual deductible and 40% coinsurance
Silver 6700 – $6,700 individual deductible and 40% coinsurance
Silver $0 Deductible – $0 individual deductible and 40% coinsurance
Silver 6700 + Adult Dental and Vision – $6,700 individual deductible and 40% coinsurance
Silver 4000 HSA Direct (Off -HIX only) – $4,000 individual deductible and 20% 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
Gold $0 Deductible + Adult Dental and Vision – $0 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

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?

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.