Exclusive Health Plans
Access large-group pricing and comprehensive coverage through Elevate Wellness — available only through Independent Health Agents.
Get Your Personalized Monthly Rate
Click a plan below to view pricing and enroll
Your information has been pre-loaded — rates will display on the enrollment page.
When you click View Rate & Enroll and reach the enrollment page, you’ll be asked for an agent code. Enter the code below so your enrollment is credited to Illinois Health Agents and you get our exclusive group pricing.
Applies to both the Cigna and Anthem enrollment pages. Questions? Call a licensed agent at 312.726.6565.
Cigna Ultra Plans
Private PPO Health Plans for Self-Employed Professionals & 1099 Workers
Traditional co-pay plans on the Cigna Open Access national PPO network. No referrals required, 12-month rate lock, and ACA compliant.
| Benefit | Ultra 1000 Most Comprehensive |
Ultra 3000 Best Value |
Ultra 6000 Lowest Premium |
|---|---|---|---|
| In-Network Benefits | |||
| Deductible (Single / Family) | $1,000 / $2,000 | $3,000 / $6,000 | $6,000 / $12,000 |
| Max Out-of-Pocket (Single / Family) | $5,000 / $10,000 | $9,450 / $18,900 | $9,450 / $18,900 |
| Coinsurance | 80% | 70% | 70% |
| Primary Care Visit | $20 copay | $30 copay | $30 copay |
| Specialist Visit | $40 copay | $60 copay | $60 copay |
| Urgent Care | $40 copay | $60 copay | $60 copay |
| Preventive Care | Covered 100% | Covered 100% | Covered 100% |
| Mental Health (Outpatient) | $20 copay | $30 copay | $30 copay |
| Emergency Room | 20% after ded. | 30% after ded. | 30% after ded. |
| Hospitalization (Inpatient) | 20% after ded. | 30% after ded. | 30% after ded. |
| CT / PET / MRI | 20% after ded. | 30% after ded. | 30% after ded. |
| Maternity | 20% after ded. | 30% after ded. | 30% after ded. |
| Rehab / Habilitative Services | $20 copay/visit 20 visits/yr combined |
$60 copay/visit 20 visits/yr combined |
$60 copay/visit 20 visits/yr combined |
| Skilled Nursing | 20% after ded. 90 days/yr |
30% after ded. 60 days/yr |
30% after ded. 60 days/yr |
| Prescription Drugs (30-Day Supply) | |||
| Generic | $15 | $15 | $15 |
| Brand Preferred | $45 | $65 | $65 |
| Non-Preferred Brand | $85 | $100 | $100 |
| Specialty | Through MyRX (PAP required) | Not Covered | Not Covered |
| Out-of-Network Benefits | |||
| Out-of-Network Deductible | $2,000 / $4,000 | $6,000 / $12,000 | $12,000 / $24,000 |
| Out-of-Network Max OOP | $10,000 / $20,000 | $18,950 / $37,900 | $18,900 / $37,900 |
| Out-of-Network Coinsurance | 60% | 40% | 40% |
Get Your Cigna Ultra Quote & Enroll
Scan the QR code or click below to view rates and apply.
patriotmedicalplan.com/iha →Anthem Blue Card Plans
Nationwide PPO Coverage Available Year-Round for Off-Marketplace Enrollment
Access the nation’s largest PPO network with Anthem’s BlueCard program — accepted by providers coast to coast in all 50 states.
Blue Card 6750
An HSA-qualified high-deductible plan. Everything is covered at 100% after you meet your deductible — no copays, no coinsurance. Ideal for those who rarely visit the doctor but want full protection if something major happens.
Blue Low
A $0 deductible plan with day-one coverage. You pay copays for office visits and 40% coinsurance for other services — no deductible to meet first. Great for people who want predictable costs and use healthcare regularly.
Blue Card 350
The most comprehensive Blue Card option with just a $350 deductible. Low copays for office visits ($25 primary / $35 specialist) and prescription drugs. Ideal for those who want peace of mind and the best coverage available.
BlueCard National PPO Network
- Access to 1.7 million+ providers nationwide
- Accepted at 96% of hospitals across all 50 states
- No referrals required to see any specialist
- In-network and out-of-network coverage included
- BlueCard PPO — the largest national PPO network in the U.S.
- Out-of-network paid at 125% of Medicare rates
Underwriting & Eligibility
- Simplified underwriting — short health questionnaire required
- Issue ages: 18–64 (dependents may be added)
- Coverage effective on the 1st of the month following approval
- Enrollment deadline: 20th of the month prior to effective date
- 12-month rate lock from effective date
- Must join Elevate Wellness national association
- ACA-compliant plans with mandated preventive services
| Benefit | Blue Card 6750 HSA Qualified |
Blue Low $0 Deductible |
Blue Card 350 Most Popular |
|---|---|---|---|
| In-Network Benefits | |||
| Deductible (Single / Family) | $6,750 / $13,500 | $0 / $0 | $350 / $700 |
| Max Out-of-Pocket (Single / Family) | $6,750 / $13,500 | $8,150 / $16,300 | $6,750 / $13,500 |
| Coinsurance | Subject to ded., no copay | 40% | 30% after ded. |
| Primary Care Visit | After deductible, no copay | $30 copay | $25 copay |
| Specialist Visit | After deductible, no copay | $50 copay | $35 copay |
| Urgent Care | After deductible, no copay | $30 copay | Ded. & Co-Insurance |
| Preventive Care | Covered 100% | Covered 100% | Covered 100% |
| Mental Health (Outpatient) | After deductible, no copay | $50 copay | $35 copay |
| Emergency Room | After deductible, no copay | $250 copay + 40% | Ded. & Co-Insurance |
| Hospitalization (Inpatient) | After deductible, no copay | 40% Co-Insurance | Ded. & Co-Insurance |
| Diagnostic Testing (X-Ray, Labs) | After deductible, no copay | 40% Co-Insurance | Ded. & Co-Insurance |
| Advanced Imaging (CT, MRI) | After deductible, no copay | 40% Co-Insurance | Ded. & Co-Insurance |
| Maternity / Childbirth | After deductible, no copay | 40% Co-Insurance | Ded. & Co-Insurance |
| Chiropractic | After deductible, no copay | 30 visits/yr | $35 copay 30 visits/yr |
| Rehabilitation Services | After deductible, no copay OP: 30 / IP: 120 visits/yr |
40% Co-Insurance | Ded. & Co-Insurance OP: 30 / IP: 120 visits/yr |
| Durable Medical Equipment | After deductible, no copay | 40% Co-Insurance | Ded. & Co-Insurance |
| Home Health Care | After deductible, no copay | 40% Co-Insurance | Ded. & Co-Insurance |
| Union Death Benefit | $5,000 | — | $5,000 |
| Prescription Drugs | |||
| Generic | $0 (after ded.) | $0 | $0 |
| Brand Preferred | 25% (after ded.) | 25% | 25% |
| Non-Preferred Brand | 50% (after ded.) | 50% | 50% |
| Subject to Deductible? | Yes | No | No |
| Out-of-Network Benefits | |||
| Out-of-Network Deductible | $10,000 / $20,000 | $7,900 / $15,000 | $700 / $1,400 |
| Out-of-Network Max OOP | $20,000 / $40,000 | Unlimited | Unlimited |
| Out-of-Network Coinsurance | 50% | 50% | 50% |
| OON Payment Basis | 125% of Medicare | 125% of Medicare | 125% of Medicare |
Get Your Anthem Blue Card Quote & Enroll
Scan the QR code or click below to view rates and apply.
Enter agent code RKIL0783 on the Elite Enroll application to get exclusive group pricing.
Ready to Get Started?
Questions? Our licensed agents are here to help you choose the right plan.
Call 312.588.9915Plans offered through Elevate Wellness national association. Access requires membership.