Our Rating: 
Harken Health is a new health insurance company offered in Illinois. They have a new approach to health insurance by offering unlimited, free office visits on all plans at 4 designated medical centers in Cook County. It is partially owned by United Healthcare but considered a completely separate company, both plan designs and networks than United HealthOne. Harken Health will be offering both on-exchange (healthcare.gov) and off-exchange PPO plans in 2016 to individuals residing ONLY in Cook County. It is not available to individuals living in any other county, regardless of proximity.
Key features to all Harken Health Plans include:
- Large PPO Hospital Network – including Loyola, Northshore, Northwestern, Rush Hospital, University of Illinois Chicago, and University of Chicago Hospital Systems
- They will be the only individual PPO plans that will include Rush University Hospital in-network in 2016
- All plans include a nationwide network of approximately 850,000 physicians, hospitals and care facilities
- All plans include unlimited, no charge health visits at Harken Health Centers
- 24 hour, 7 days a week access to Harken Health doctors
- Prescription drug coverage and online ordering
- Mental health care and wellness classes
Harken Gold Plans
Our Rating: 
There are 2 Harken Health Gold Plan Options:
- Care Gold Plan 1 – $1,750 individual deductible / $3,500 family deductible and 100% coinsurance after deductible
- Care Gold Plan II – $1,375 individual deductible / $2,750 family deductible and 100% coinsurance after deductible
Key Harken Health Gold Plan features include:
- unlimited, no charge health visits at Harken Health Centers
- Prescription drug coverage – including $5 generic copays
- No referrals to see a specialist
- Offered both on-exchange and off-exchange
- Maternity Coverage
- Well-adult care covered at 100%
- Well-child care covered at 100%
- Diagnostic testing
- Hospital services
- Access to the UHC Choice Plus national PPO network, which includes coverage while traveling out of state coverage
| Harken Health Gold Deductibles | |
|---|---|
| $1,750 single / $3,500 family | |
| $1,375 single / $2,750 family | |
Harken Silver Plans
Our Rating: 
Harken Health Silver Plans offer the same essential benefits as Harken Health Gold Plans, but are have higher deductibles and copays. If you are generally in good health, the Harken Silver Plans are a more price conscious option than a Gold plan.
There are 2 Harken Health Silver Plan Options:
- Care Silver Plan 1 – $3,750 individual deductible / $7,500 family deductible and 100% coinsurance after deductible
- Care Silver Plan II – $3,000 individual deductible / $6,000 family deductible and 100% coinsurance after deductible
Key Harken Health Silver Plan features include:
- unlimited, no charge health visits at Harken Health Centers
- Prescription drug coverage – including $10 generic copays
- No referrals to see a specialist
- Offered both on-exchange and off-exchange
- Maternity Coverage
- Well-adult care covered at 100%
- Well-child care covered at 100%
- Diagnostic testing
- Hospital services
- Access to the UHC Choice Plus national PPO network, which includes coverage while traveling out of state coverage
Use the Provider Finder to search for physicians and hospitals in the Harken Health network.
| Harken Health Silver Deductibles | |
|---|---|
| $3,750 single / $7,500 family | |
| $3,000 single / $6,000 family | |
Harken Bronze Plans
Our Rating:
Harken Health Bronze Plans offer the same essential benefits as Harken Health Silver and Gold Plans, but are have higher deductibles and copays. If you are generally in good health, the Harken Bronze Plans are a more price conscious option than a Gold or Silver plan.
There is 1 Harken Health Bronze Plan Options:
- Care Bronze Plan – $6,850 individual deductible / $13,700 family deductible and 100% coinsurance after deductible
Key Harken Health Bronze Plan features include:
- unlimited, no charge health visits at Harken Health Centers
- Prescription drug coverage – including $35 generic copays
- No referrals to see a specialist
- Offered both on-exchange and off-exchange
- Maternity Coverage
- Well-adult care covered at 100%
- Well-child care covered at 100%
- Diagnostic testing
- Hospital services
- Access to the UHC Choice Plus national PPO network, which includes coverage while traveling out of state coverage
Use the Provider Finder to search for physicians and hospitals in the Harken Health network.
| Harken Health Bronze Care Deductible | |
|---|---|
| $6,850 single / $13,700 family | |
2016 Individual Illinois Plans
DEDUCTIBLE AND OUT-OF-POCKET MAXIMUM | |||||
INDIVIDUAL TIERED BENEFITS | CARE GOLD II | CARE GOLD I | CARE SILVER II | CARE SILVER I | CARE BRONZE |
Harken Health Centers | $0 | $0 | $0 | $0 | $0 |
Preferred Network | $1,375 | $1,750 | $3,000 | $3,750 | $6,850 |
General Network | $2,750 | $3,500 | $$6,000 | $6,200 | $6,850 |
Combined Out-of-Pocket Maximum | $2,750 | $$3,500 | $6,000 | $6,200 | $6,850 |
Out of Network | $5,500 | $7,000 | $12,000 | $12,400 | $13,700 |
RX Benefits | CARE GOLD II | CARE Gold I | CARE Silver II | CARE SILVER II | CARE BRONZE |
Tier 1 :Lowest Cost | $5 Copay | $5 Copay | $10 Copay | $10 Copay | $35 Copay |
Tier 2: Mid-Range Cost | $35 Copay | $35 Copay | $40 Copay | $40 Copay | $70 Copay |
Tier 3: Higher Mid-Range Cost | $200 Copay | $200 Copay | $250 Copay | $250 Copay | $250 Copay |
Tier 4: Highest Cost | $350 Copay | $350 Copay | $500 Copay | $500 Copay | $500 Copay |
Mail Order – 90 day supply | 2x Copay | $2x Copay | $2x Copay | $2x Copay | $2x Copay |