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 and UChicago Medicine Ingalls contract with many commercial insurance plans to meet the needs of our patients.

We accept the following commercial/large group employer insurance plans:

Commercial Insurance UChicago Medicine Ingalls
Aetna Choice POS Y Y
Aetna Choice POS II Y Y
Aetna Elect Choice Y Y
Aetna Health Network Only Y Y
Aetna Health Network Option Y Y
Aetna HMO Y* Y
Aetna Managed Choice (POS) Y Y
Aetna National Advantage Plan Y Y
Aetna Open Access Elect Choice (EPO) Y Y
Aetna Open Access HMO Y* Y
Aetna Open Access Managed Choice (POS) Y Y
Aetna Open Access Select (HMO) Y* Y
Aetna Open Choice (PPO) Y Y
Aetna Quality Point of Service (QPOS) Y Y
Aetna Select (HMO) Y* Y
Aetna Student Health (PPO) Y Y
BCBS Blue Advantage HMO Y* Y
BCBS Blue Edge HSA Y Y
BCBS Blue Precision HMO Y* Y
BCBS BlueCard Program Y Y
BCBS Caterpillar Y Y
BCBS Choice Options/Blue Options (Tier 2) Y Y
BCBS Choice PPO N N
BCBS FocusCare N N
BCBS HMO (HMOI) Y* Y
BCBS PPO Y Y
Cigna Choice Fund Open Access Plus Y Y
Cigna Choice Fund PPO Y Y
Cigna EPO Y Y
Cigna HMO Y* Y
Cigna Local Plus N N
Cigna Open Access / Open Access Plus Y* Y
Cigna POS Y Y
Cigna PPO Y Y
Humana Choice POS N Y
Humana ChoiceCare PPO N Y
Humana HMO Premier / Premier Open Access N Y
Humana HMO Select N Y
Humana IL Platinum HMO N Y
Humana National POS - Open Access N Y
Humana PPO / Preferred PPO N Y
Humana Preferred POS - Open Access N Y
Multiplan PPO Y Y
PHCS PPO Y Y
United HealthCare Choice / Choice Plus Y* Y
United HealthCare Options (PPO) Y Y
United HealthCare Select (HMO & EPO) Y* Y
United HealthCare W500 Emergent Wrap Y Y
United HealthCare Charter N N
United HealthCare Charter Plus N Y
United HealthCare Compass N
United HealthCare Core N Y
United HealthCare Navigate N Y
United Affiliates through UHC PPO Y Y

Y-Contracted

N-Not Contracted

*Specialty care only with referral; No primary care

We accept the following on-exchange individual commercial insurance plans: 

On-Exchange Individual Plans UChicago Medicine Ingalls
BCBS Blue Choice Preferred N N
BCBS Basic, a MultiState Plan N N
BCBS Solution, a MultiState Plan N N
BCBS Premier, a MultiState Plan N N
BCBS Blue FocusCare N N
BCBS Blue Precision HMO Y* Y
BCBS BlueCare Direct (with Advocate Health) N N
Cigna Connect (HMO) N N
Ambetter Balanced Care N N
Ambetter Secure Care N N
Off-Exchange Individual Plans UChicago Medicine Ingalls
BCBS Blue Choice Preferred N N
BCBS Basic, a MultiState Plan N N
BCBS Solution, a MultiState Plan N N
BCBS Premier, a MultiState Plan N N
BCBS Blue FocusCare N N
BCBS Blue Precision HMO Y* Y
BCBS BlueCare Direct (with Advocate Health) N N

Y-Contracted

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

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 Managed.Care@uchospitals.edu.