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
Advantage Health Solutions Choice PPO - Commercial Plans Only
Aetna Choice POS II
Aetna Premier Care Network (APCN) Choice POS II
Aetna Premier Care Network Plus Choice POS II
Aetna Elect Choice EPO
Aetna Health Network Only
Aetna Health Network Option
Aetna HMO
Aetna Limited Benefits Insurance Plan PPO
Aetna Managed Choice POS
Aetna Meritain Health
Aetna Open Access Elect Choice EPO
Aetna Open Access HMO
Aetna Open Access Managed Choice POS
Aetna Open Access Aetna Select
Aetna Premier Care Network (APCN) Open Access Aetna Select
Aetna Premier Care Network Plus Open Access Aetna Select
Aetna Open Choice PPO
Aetna Passport To Healthcare
Aetna Quality Point-of-Service (QPOS)
Aetna Savings Plus
Y, Tier 2
Aetna Select
Aetna Signature Administrators
Aetna Student Health Plans
Aetna Traditional Choice
Aetna Voluntary Group Medical Plan (Indemnity Plan)
ArcelorMittal Steel PPO
Baptist Health Network (Kentucky) PPO
BCBS Blue Advantage HMO [ADV]
BCBS BlueEdge Select HSA [BCS]
BCBS BlueCard Program 
BCBS BluePrint PPO [PPO]
BCBS Caterpillar
BCBS Choice Options/Blue Options [BCO]
Y, Tier 2  Y, Tier 2 
BCBS Choice Select PPO [BCS]
BCBS Federal Employee Health Benefits (FEHB) Basic Option
BCBS Federal Employee Health Benefits (FEHB) FEP Blue Focus
BCBS Federal Employee Health Benefits (FEHB) Standard Option
Beech Street PPO
Cigna Choice Fund Open Access Plus
Cigna Choice Fund PPO
Cigna EPO
Cigna One Health HMO
Cigna Local Plus
Cigna Open Access Plus/Open Access Plus In-Network
Cigna POS
Cigna PPO
City of Hammond Employees PPO
Cofinity PPO
Community Health Alliance (Indiana)
Community Healthcare System PPO
First Health PPO
Health Alliance HMO
Health Alliance POS
Health Alliance PPO
Health Care's Finest Network (HFN)
Healthlink Open Access I (accessing the Unicare Agreement)
Healthlink Open Access II (accessing the Unicare Agreement)
Healthlink Open Access III (accessing the Unicare Agreement)
Humana Choice POS
Humana ChoiceCare PPO
Humana EPO PPO Open Access
Humana HMO Premier / Premier Open Access
Humana HMO Select
Humana IL Platinum HMO
Humana National EPO
Humana National POS - Open Access
Humana PPO / Preferred PPO
Humana Preferred POS-Open Access
Imagine Health Smart E Network/SmartCare (Limited Network for Specific Employers)
Indiana Health Network PPO
Interplan Health Group (Owned by Health Smart)
Lutheran Preferred PPO
Mohr Health Systems PPO
MultiPlan PPO
PHCS PPO (Owned by Multiplan)
PHCS Savility PPO (Owned by Multiplan)
Preferred Network Access (PNA) for NECAIBEW Local Union 697 Only
Preferred Plan, Inc. (Owned by Health Smart)
Sagamore Health Network PPO
Select Health Network PPO
Southeastern Indiana Health Organization (SIHO) PPO
Three Rivers Provider Network PPO
Unicare HMO
Unicare POS
Unicare PPO
United Healthcare Affiliates through UHC PPO
United Healthcare Charter
United Healthcare Charter Plus
United Healthcare Choice HMO
United Healthcare Choice Plus (POS/PPO)
United Healthcare Compass
United Healthcare Core
United Healthcare Navigate
United Healthcare Options (PPO)
United Healthcare Select (HMO & EPO)
United Healthcare W500 Emergent Wrap
University of Chicago Health Plan (UCHP)


N-Not Contracted

*If primary care provider is not a UChicago Medicine physician, referrals for specialist needed

**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
Ambetter Balanced Care HMO
Ambetter Essential Care HMO
Ambetter Secure Care HMO
BCBS Blue Choice Preferred PPO [BCE]
BCBS Blue FocusCare HMO [BFC]
BCBS Blue Precision HMO [BAV]
Y*  Y
BCBS BlueCare Direct with Advocate HMO [BHD]
Cigna Connect HMO


N-Not Contracted

*Specialty care only with referral; No primary care

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 your insurance company is not listed here, or if you have any other questions, please contact