Find Your 2026 ACA Health Plan
Compare Blue Cross Blue Shield of Illinois ACA plans available in your area. Enter your ZIP code to see plans and pricing - no contact info required.
2026 Blue Precision Gold HMO Plans
Our Rating: 
The plans below use the Blue Precision HMO network, one the largest HMO networks in Illinois. You must select a network primary care physician (PCP), who coordinates your care within the network and referrals are required from your PCP to see a specialists. Gold plans may be for you if you have more health care needs than most, require regular prescription medication, have a spouse/children on your plan or want to grow your family soon, or prefer to pay more each month but have lower out-of-pocket expenses.
There are 3 Gold HMO plans:
- Blue Precision Gold HMO 207 – $750 individual deductible and 30% coinsurance
- Blue Precision Gold HMO 703 – $1,600 individual deductible and 30% coinsurance
- Blue Precision Gold HMO Standard – Rx Copays – $2,000 individual deductible and 25% coinsurance
Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Illinois family.
See toggles below for plan comparisons. Information is based on Participating Providers. For Non-Participating Provider information, please download the plan summaries listed above.
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Deductibles
| Blue Precision Gold 207 | Blue Precision Gold 703 | Blue Precision Gold Standard – Rx Copays | |
| Overall Deductible Individual/Family | $750 / $1,500 | $1,600 / $3,200 | $2,000/ $4,000 |
| Are there services covered before you meet deductible | Yes. | Yes. | Yes. |
| Are there other deductibles for specific services | No. | No. | No. |
| Out-of-pocket limit Individual/Family** | $10,150/ $20,300 | $10,600/ $21,200 | $8,200/ $16,400 |
| Will you pay less if you use network provider? | Yes. | Yes. | Yes. |
| Referral to see a specialist? | Yes | Yes. | Yes. |
**Premiums, balance billing & health care this plan doesn’t cover are not included in the out-of-pocket limit
Office Visit / Testing
| Blue Precision Gold 207 | Blue Precision Gold 703 | Blue Precision Gold Standard – Rx Copays | |
| Primary Care for injury/illness | $20/visit | $15/visit | $30/visit |
| Specialist visit | $40/visit | $60/visit | $60/visit |
| Preventative care/screening | No Charge | No Charge | No Charge |
| Diagnostic test (xray, blood) | $40/test | $30/test | 25% |
| Imaging (CT/PET/MRI) | $250/test | $250/test | 25% |
Generic / Brand / Specialty Drug Comparison
If you need Drugs to treat your illness or condition. For information on whether or not deductibles apply, please download the plan summaries
| Blue Precision Gold 207 | Blue Precision Gold 703 | Blue Precision Gold Standard – Rx Copays | |
| Generic Drugs (Preferred) | 10% | No Charge | $15 / $45 |
| Generic Drugs (Non Preferred) | 15% | $20 / $60 | $15 / $45 |
| Brand drugs (Preferred) | 20% | 20% | $30 / $90 |
| Brand Drugs Non Preferred | 30% | 30% | $60 / $180 |
| Specialty Drugs Preferred | 40% | 40% | $250 |
| Specialty Drugs Non Preferred | 50% | 50% | $250 |
Outpatient Surgery / Emergency Comparison
| Blue Precision Gold 207 | Blue Precision Gold 703 | Blue Precision Gold Standard – Rx Copays | |
| Facility Fee Freestanding | $300/visit + 30% | $300/visit + 30% | 25% |
| Facility fee Hospital | NA | NA | NA |
| Physician/surgeon Fee | $40/visit | $30/visit | 25% |
| Emergency Room Care | 30% | 30% | 25% |
| Emergency Medical Transportation | 30% | 30% | 25% |
| Urgent Care | $40/visit | $60/visit | $45/visit |
Hospital Stay / Health Services / Pregnancy
| Blue Precision Gold 207 | Blue Precision Gold 703 | Blue Precision Gold Standard – Rx Copays | |
| Facility Fee for hospital stay | 30% | 30% | 25% |
| Physician/surgeon Fees | No Charge | No Charge | No Charge |
| Mental health, behavioral health, or substance abuse services: Outpatient | $20 office / 30% other | $15 office / 30% other | $30 office / 25% other |
| Mental health, behavioral health, or substance abuse services: Inpatient | 30% | 30% | 25% |
| If you are pregnant – office visit | Primary: $20 / Specialist: $40 | Primary: $15 / Specialist: $60 | Primary: $30 / Specialist: $60 |
| Childbirth/delivery/professional services | No Charge | No Charge | No Charge |
| Childbirth/delivery facility services | 30% | 30% | 25% |
Help recovering / other special needs
| Blue Precision Gold 207 | Blue Precision Gold 703 | Blue Precision Gold Standard – Rx Copays | |
| Home Health Care | No Charge | No Charge | No Charge |
| Rehabilitation Services | $20/visit | $15/visit | $30/visit |
| Habilitation services | $20/visit | $15/visit | $30/visit |
| Skilled nursing care | $500/day | $500/day | 25% |
| Durable medical equipment | No Charge | No Charge | No Charge |
| Hospice services | 30% | 30% | 25% |
Childrens Dental / Eye care
| Blue Precision Gold 207 | Blue Precision Gold 703 | Blue Precision Gold Standard – Rx Copays | |
| Children’s eye exam | No Charge | No Charge | No Charge |
| Children’s Glasses | No Charge | No Charge | No Charge |
| Children’s Dental check-up | Not Covered | Not Covered | Not Covered |
Excluded & Other Covered Services
Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.)
| Not Covered | Blue Precision Gold 207 | Blue Precision Gold 703 | Blue Precision Gold Standard – Rx Copays |
| Acupuncture | Not Covered | Not Covered | Not Covered |
| Dental Care (Adult) | Not Covered | Not Covered | Not Covered |
| Long-term Care | Not Covered | Not Covered | Not Covered |
| Non-emergency care when traveling outside of US | Not Covered | Not Covered | Not Covered |
| Weight loss programs | Not Covered | Not Covered | Not Covered |
Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)
| Blue Precision Gold 207 | Blue Precision Gold 703 | Blue Precision Gold Standard – Rx Copays | |
| Abortion care | Covered | Covered | Covered |
| Bariatric surgery | Covered | Covered | Covered |
| Chiropractic care | Covered (25 visits per calendar year) | Covered (25 visits per calendar year) | Covered (25 visits per calendar year) |
| Cosmetic surgery | Covered when medically necessary | Covered when medically necessary | Covered when medically necessary |
| Hearing aids | Covered (1 per ear every 24 months) | Covered (1 per ear every 24 months) | Covered (1 per ear every 24 months) |
| Infertility treatment | Covered (4 procedures per benefit period) | Covered (4 procedures per benefit period) | Covered (4 procedures per benefit period) |
| Private-duty nursing | Covered, except inpatient private-duty nursing | Covered, except inpatient private-duty nursing | Covered, except inpatient private-duty nursing |
| Routine eye care | Covered (1 visit per benefit period) | Covered (1 visit per benefit period) | Covered (1 visit per benefit period) |
| Routine Foot Care | Covered when medically necessary | Covered when medically necessary | Covered when medically necessary |
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