Register or log in to Blue Access for Members SM, our secure member website, for a personalized search experience based on your health plan and network. … Here are some plan highlights. Get a Quote & Apply. Blue Cross Medicare Advantage (HMO) SM. Blue Cross Medicare Advantage (HMO-POS) SM. Blue Cross Medicare Advantage (PPO) SM. Typically have lower or $0 monthly premiums. Your care is handled by one primary care provider (PCP) who knows your health history. Your costs will be as low as possible ... We would like to show you a description here but the site won’t allow us. Register Account. A simple, secure way to manage your care. Review your claims any time, anywhere. Get documents online and updates to view them by email or text message. … Blue Access for Employers is the simple and convenient way to manage your account online. Blue Cross Blue Shield of Illinois - Health Insurance Illinois. Get a free instant rate quote and apply online today for IL health insurance plans including individual and family health insurance, Medicare, short term health insurance and health savings ... 20 hours ago · Your health plan or network is shown on the front of your Blue Cross and Blue Shield of Illinois (BCBSIL) member ID card. If you have questions about which network you have, call the Customer Service number on the back of your card. Tips for HMO Health Plan Members. Always go to your Primary Care Provider (PCP) first. Members can use their Blue Access for Members SM credentials to access wellontarget.com. Blue Cross and Blue Shield of Illinois makes no endorsement, representations or warranties regarding third-party vendors and the products and services offered by them. Originally published 10/23/2014; Revised 2015-2023Log in to Blue Access for Members; Register for Blue Access for Members; Pay My Bill; Federal Employee Program (FEP)Examples of Blue Cross Blue Shield prefixes are AAU, MRT and XZA for members in California, Illinois and Minnesota, respectfully, according to The Health Exhibit. BCBS alpha prefix...BlueCard is a national program that enables members of one Blue Cross and Blue Shield (BCBS) Plan to obtain health care services while traveling or living in another BCBS Plan’s service area. The program allows you to submit claims for members from other BCBS Plans to the Illinois Plan. The three-character prefix preceding the member’s ID ... Even if you're not a member, you can answer a few questions to find the right network to search for doctors. Search for Doctors as a Guest. In addition to staying in network, you or your doctor may need to get benefit approval or “prior authorization” before you get treatment for certain services for them to be covered. Medicaid. The Centers for Medicare & Medicaid Services and the state of Illinois have contracted with Blue Cross and Blue Shield of Illinois along with other Managed Care Organizations to implement Medicaid to all counties in Illinois. BCBSIL offers two plans: Blue Cross Community Health Plans SM and Blue Cross Community MMAI (Medicare-Medicaid ... As a member of Blue Cross Blue Shield Texas (BCBSTX), you have access to a variety of healthcare benefits and services. One way to manage your account and stay up-to-date with your... A drug list is a list of drugs available to Blue Cross and Blue Shield of Illinois members. How much you pay out-of-pocket for prescription drugs is determined by whether your medication is on the list. These prescription drug lists have different levels of coverage, which are called "tiers". Generally, if you choose a drug that is a lower tier ... Find Your Level of Family Health Insurance. Gold. Gold Plans are for you if you: Have more medical needs than most, like a chronic health condition. Have a spouse and children on your plan, or want to grow your family soon. Prefer to have lower out-of-pocket costs but a higher monthly bill.Blue Shield of California welcomes you. Apply for individual or family medical, dental, and life insurance plans.Here’s how we came up with our estimated value of the innovative benefits in the BCBS Plan G Plus: Average cost of dental exam ³: $60-$120 (benefit includes two per year) Average cost of dental cleaning ⁴: $75-$400 (benefit includes two per year) Average cost of bitewing dental x-rays ⁵: $50-$100. Average cost of hearing exam ⁶: $125.In today’s fast-paced world, it’s essential to have access to convenient and efficient healthcare services. Blue Shield understands this need and has developed a user-friendly onli...Here’s how we came up with our estimated value of the innovative benefits in the BCBS Plan G Plus: Average cost of dental exam ³: $60-$120 (benefit includes two per year) Average cost of dental cleaning ⁴: $75-$400 (benefit includes two per year) Average cost of bitewing dental x-rays ⁵: $50-$100. Average cost of hearing exam ⁶: $125.5 Blue365 is only available to Blue Cross and Blue Shield of Illinois (BCBSIL) members with active health plan coverage. Members who do not have an active health plan with BCBSIL will not be able to register on the Blue365 website. The relationship between Blue365, its vendors and BCBSIL is that of independent contractors.Existing members can log in to manage or make another payment. I Want to Make a First-Time Payment. Remember, your BCBSIL health plan coverage won't start until you make your first premium payment. ... Blue Cross and Blue Shield of Illinois P.O. Box 650774 Dallas, TX 75265-0774.Guest Search. Even if you’re not a member, you can search for doctors, hospitals and other providers. If you need help, we’ve created these helpful guides: Step-by-Step PDF. Search as Guest. Wondering how to find a doctor who is nearby and provides excellent care? Start your search with Provider Finder.Blue Cross Blue Shield members can search for doctors, hospitals and dentists: In the United States, Puerto Rico and U.S. Virgin Islands. Outside the United States. Select Blue Cross Blue Shield Global™ or GeoBlue if you have international coverage and need to find care outside the United States.Choose a dental network from the list below to search for a dentist. If your Blue Cross and Blue Shield of Illinois plan includes pediatric dental coverage, choose "BlueCare Dental (Traditional National PPO)" as your network. To find out if your plan includes pediatric dental coverage, please check your Summary of Benefits and Coverage (SBC).Horizon Blue Cross Blue Shield NJ members login, medical plans & services, tools, wellness programs, forms, member education. Login to BCBSNJ member portal and find your wellness ID card or lost card and more. ... Communications may be issued by Horizon Blue Cross Blue Shield of New Jersey in its capacity as administrator of programs and ...5 Blue365 is only available to Blue Cross and Blue Shield of Illinois (BCBSIL) members with active health plan coverage. Members who do not have an active health plan with BCBSIL will not be able to register on the Blue365 website. The relationship between Blue365, its vendors and BCBSIL is that of independent contractors. Simply select Get a Quote and you can view and compare our plans and pricing. Your shopping cart is empty. Get a Quote Log In. Create an Account. Have questions about logging in? Take a look at our Login Problem FAQ. Blue Access for Members SM is a secure portal. You can find out about …This plan does not cover some dental services such as: Cosmetic dentistry. Tooth bleaching and whitening. Implants. To learn more about dental benefits, check your Member Handbook. * DentaQuest is an independent company that provides dental benefits for Blue Cross Community Health Plans. † Some limits apply to general dentistry.The Blue Cross Medicare Advantage contract has ended, and Blue Cross and Blue Shield of Illinois stops offering Blue Cross Medicare Advantage in any portion of the area where it had previously been available. The member intentionally misrepresents information to Blue Cross and Blue Shield of Illinois about reimbursement for third-party coverage.Group Health Insurance Plans Built for Business. Your employees are your most valuable assets. Whatever the size of your business, health plans from Blue Cross and Blue Shield of Illinois (BCBSIL) can help you create a healthier and more productive workplace that attracts and retains top talent. With health insurance plans that balance ...Group Health Insurance Plans Built for Business. Your employees are your most valuable assets. Whatever the size of your business, health plans from Blue Cross and Blue Shield of Illinois (BCBSIL) can help you create a healthier and more productive workplace that attracts and retains top talent. With health insurance plans that balance ...Welcome to the Blue Cross Blue Shield of Illinois member website. Register now to check claim status, account activity alerts, and print a temporary ID card.In today’s digital age, managing your health insurance has never been easier. With the advent of online platforms, such as My Blue Shield Account, individuals can access their heal...Get a free instant rate quote and apply online today for Illinois health insurance plans including individual and family health insurance, Medicare supplement, short term health …BlueCard is a national program that enables members of one Blue Cross and Blue Shield (BCBS) Plan to obtain health care services while traveling or living in another BCBS Plan’s service area. The program allows you to submit claims for members from other BCBS Plans to the Illinois Plan. The three-character prefix preceding the member’s ID ...Member Log in or Sign Up; Employer Log In or Sign Up; Producer Log In or Sign Up; Have you recently browsed plans or obtained a quote on our shopping tool? ... Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield ...ENJOY THE BENEFITS OF BLUE365. Sign up for Blue365 to enjoy exclusive member discounts on fitness classes, exercise equipment, nutrition, and more. It's easy and free to join! Learn more. Blue Cross Blue Shield of Massachusetts brings health insurance plans, medical claims, insurance coverage, benefits and telehealth via MyBlue Web & App.Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association.Beyond coverage you can count on at affordable prices, a BCBSIL health care plan gives you access to tools and cost-saving programs like: Discounts on health and wellness services. 24/7 virtual care. Tools, like our Find Care search and member app, to make using your plan easier than ever. A wide range of essential health services covered at no ...The Transparency in Coverage Final Rule requires disclosure of the negotiated rates with in-network providers and the historic allowed amounts paid to out-of-network providers for all health plans supported by Blue Cross and Blue Shield of Illinois. Files containing this information for the plans covered are published on this page.Mar 13, 2024 · Member Resources. Log in to Blue Access for Members. Register for Blue Access for Members. Pay My Bill. Federal Employee Program (FEP) Here are the solutions, for fixing the most common errors members experience when trying to login to view their BCBSIL health care account. 5 Blue365 is only available to Blue Cross and Blue Shield of Illinois (BCBSIL) members with active health plan coverage. Members who do not have an active health plan with BCBSIL will not be able to register on the Blue365 website. The relationship between Blue365, its vendors and BCBSIL is that of independent contractors.Discount Program. Blue365 is just one more advantage of being a Blue Cross and Blue Shield of Illinois (BCBSIL) member*. With this program, you and your family can save money on health care products — and services — that are most often not covered by your health plan. You'll see a full range of savings from top national and local …Login. Blue Access for Producers SM (BAP SM) gives you access to a suite of tools and information to help you manage your Group, Retail and Medicare business. Choose your state below to log in to BAP. Illinois. Montana.For other EDI transactions, you will need to enlist the services of a third-party electronic business vendor, such as Availity ® Essentials. Availity Essentials – To register with Availity or learn more about services available to BCBSIL providers, visit the Availity website, or call Availity Client Services at 800-AVAILITY (282-4548).The Cybersecurity & Infrastructure Security Agency (CISA) has issued a Shields Up cyber security alert for anyone in the US in the wake of the Russia-Ukraine conflict. The Cybersec...If your health plan includes Blue Cross and Blue Shield of Illinois (BCBSIL) prescription drug benefits, these are administered by Prime Therapeutics, BCBSIL's pharmacy benefit manager (PBM). Visit Prime Therapeutics to: Search for prescription drugs. Find a pharmacy. Order mail service refills or new prescriptions online.Step 1. Log in to the BCBSIL mobile app. Step 2. On the dashboard, tap the Member ID Card icon. Step 3. That’s it. You’re now looking at your digital member ID card. Step 4. Tap on the share icon in the top right corner of your screen and …Your member ID number is a unique number that shows you are a covered member of Blue Cross and Blue Shield of Illinois. It lets you access your health plan benefits when you need care. Your member ID number links you to information in our systems. Care providers use your number to confirm you are covered for treatment or …The state determines who qualifies for Medicaid based on federal guidelines. Once you qualify, you can pick a health plan. BCBSIL offers two Medicaid plans. If you do not qualify for Medicaid, you may be able to get an Individual and Family health plan with BCBSIL at little or no cost. Blue Cross Community MMAI (Medicare-Medicaid Plan) SM.Telligent is an operating division of Verint Americas, Inc., an independent company that provides and hosts an online community platform for blogging and access to social media for Blue Cross and Blue Shield of Illinois. File is in portable document format (PDF). To view this file, you may need to install a PDF reader program.To obtain fast, efficient, detailed benefits information for Blue Cross and Blue Shield members, you can use Availity’s Eligibility and Benefits tool. This free online tool can provide you with co-payment, co-insurance, deductible, and other important information. For additional details, refer to the Availity Eligibility and Benefits User Guide.The state determines who qualifies for Medicaid based on federal guidelines. Once you qualify, you can pick a health plan. BCBSIL offers two Medicaid plans. If you do not qualify for Medicaid, you may be able to get an Individual and Family health plan with BCBSIL at little or no cost. Blue Cross Community MMAI (Medicare-Medicaid Plan) SM.Vida Health: Work With a Health Coach. For active employees, retirees and employees who terminated in 2011 or after. If you retired or terminated before 2011. Boeing Health & Insurance Benefits. 1-866-473-2016. Boeing Worklife. 1-866-504 …In today’s fast-paced world, it’s essential to have access to convenient and efficient healthcare services. Blue Shield understands this need and has developed a user-friendly onli...WalletHub selected 2023's best home insurance companies in Illinois based on user reviews. Compare and find the best home insurance of 2023. WalletHub makes it easy to find the bes...Blue Access for Members (BAM) is a secure, user-friendly member portal that lets you access your health plan information and benefits 24/7. You can log in to …As of 2016, access a list of Blue Cross Blue Shield of Georgia providers by using the health insurance provider directory at BCBSGA.com. This gives information for doctors, dentist...For other EDI transactions, you will need to enlist the services of a third-party electronic business vendor, such as Availity ® Essentials. Availity Essentials – To register with Availity or learn more about services available to BCBSIL providers, visit the Availity website, or call Availity Client Services at 800-AVAILITY (282-4548).Login. Blue Access for Producers SM (BAP SM) gives you access to a suite of tools and information to help you manage your Group, Retail and Medicare business. Choose your state below to log in to BAP. Illinois. Montana.20 hours ago · Your health plan or network is shown on the front of your Blue Cross and Blue Shield of Illinois (BCBSIL) member ID card. If you have questions about which network you have, call the Customer Service number on the back of your card. Tips for HMO Health Plan Members. Always go to your Primary Care Provider (PCP) first. Health insurance plans | Blue Shield of California Even if you're not a member, you can answer a few questions to find the right network to search for doctors. Search for Doctors as a Guest. In addition to staying in network, you or your doctor may need to get benefit approval or “prior authorization” before you get treatment for certain services for them to be covered. Jan 21, 2022 · Follow these simple steps to sign up for digital communications: 1. Go to the Update Your Preferences page. 2. Text CONTACTIL to 33633 for a link.*. 3. Open the BCBSIL app and go to Settings. *Message and data rates may apply. Last Updated: Jan. 21, 2022. Blue Cross Blue Shield of Illinois - Health Insurance Illinois. Get a free instant rate quote and apply online today for Illinois health insurance plans including individual and family health insurance, Medicare supplement, short term health insurance and health savings account (HSA) compatible plans at www.bcbsil.com. Beyond coverage you can count on at affordable prices, a BCBSIL health care plan gives you access to tools and cost-saving programs like: Discounts on health and wellness services. 24/7 virtual care. Tools, like our Find Care search and member app, to make using your plan easier than ever. A wide range of essential health services covered at no ... Because we're member-owned, not investor-owned, our employees are empowered to advocate for the more than 8.5 million individuals who put their trust in BCBSIL. As the largest, most experienced health insurance provider in Illinois, BCBSIL is reimagining wellness for our state and looking for original thinkers who aren't afraid to make dynamic ...Access your online account at member.bcbsm.com. Login or Register here.Group Health Insurance Plans Built for Business. Your employees are your most valuable assets. Whatever the size of your business, health plans from Blue Cross and Blue Shield of Illinois (BCBSIL) can help you create a healthier and more productive workplace that attracts and retains top talent. With health insurance plans that balance ... Member Services. These tools and services can help you use your Blue Cross and Blue Shield of Illinois (BCBSIL) membership. Log in to Blue Access for Members SM (BAM SM) Log in to your account to access your health plan information: Find an in-network doctor, hospital or other provider; Pay your bill; Review benefits, account balances, claims ... Value-Added Benefits. Blue Cross Community Health Plans SM (BCCHP) offers additional value-added benefits (VABs), available only to BCCHP Medicaid plan members. These benefits are offered to BCCHP members in addition to your Illinois Medicaid benefits. These VABs are available to keep you and your family healthy. Details for each added benefit ... It's a young lady! It's an old woman! It's a blue dress! No, it's gold! Learn more about optical illusions at HowStuffWorks.com Advertisement Have a look at this picture. What do y...If your health plan includes Blue Cross and Blue Shield of Illinois (BCBSIL) prescription drug benefits, these are administered by Prime Therapeutics, BCBSIL's pharmacy benefit manager (PBM). Visit Prime Therapeutics to: Search for prescription drugs. Find a pharmacy. Order mail service refills or new prescriptions online.The Cybersecurity & Infrastructure Security Agency (CISA) has issued a Shields Up cyber security alert for anyone in the US in the wake of the Russia-Ukraine conflict. The Cybersec...BCBSIL App: Blue Access Mobile ®. Our BCBSIL mobile app gives members easy access to the same information and tools as the online portal detailed above. In addition, the BCBSIL mobile app – available for iPhone and Android users – allows members to: Access a digital member ID card. Log in securely with Face ID (iOS only) and Fingerprint ID. You may be able to access some features through or your specific account’s BCBSXX website. If available for your account, you can also visit Member Servicesfor the following: Search for a doctor, hospital, pharmacy, urgent care, and more. Locate a form. View prescription drug lists. If you regularly pay your premium through BCBSXX, you also ... Blue Cross and Blue Shield of Illinois (BCBSIL) or Authorized User (the "Notice Party"), as the case may be, shall deliver written notice to the other party (the "Receiving Party"), via certified mail, return receipt requested, of the existence of a Dispute (the "Initial Notice"), as follows: If to BCBSIL: Blue Cross and Blue Shield of IllinoisBlue Cross and Blue Shield of Illinois (BCBSIL) or Authorized User (the "Notice Party"), as the case may be, shall deliver written notice to the other party (the "Receiving Party"), via certified mail, return receipt requested, of the existence of a Dispute (the "Initial Notice"), as follows: If to BCBSIL: Blue Cross and Blue Shield of Illinois Member Services. These tools and services can help you use your Blue Cross and Blue Shield of Illinois (BCBSIL) membership. Log in to Blue Access for Members SM (BAM SM) Log in to your account to access your health plan information: Find an in-network doctor, hospital or other provider; Pay your bill; Review benefits, account balances, claims ... In today’s fast-paced world, it’s essential to have access to convenient and efficient healthcare services. Blue Shield understands this need and has developed a user-friendly onli...The MyBlue Wellness card is a debit card that federal employees can use to pay for qualified medical expenses, such as prescriptions and copayments, according to Blue Cross and Blu...There's always something going on in Forest City, also known as Rockford! Here are 16 best things to do in Rockford Illinois. By: Author Kyle Kroeger Posted on Last updated: Januar...Your member ID number is a unique number that shows you are a covered member of Blue Cross and Blue Shield of Illinois. It lets you access your health plan benefits when you need care. Your member ID number links you to information in our systems. Care providers use your number to confirm you are covered for treatment or … Download the BCBSIL Mobile App to access your health care information and services on your iPhone or Android device. You can also find an in-network provider, view your claims and deductible, and secure login with Face ID or Fingerprint ID. Mar 13, 2024 · Member Resources. Log in to Blue Access for Members. Register for Blue Access for Members. Pay My Bill. Federal Employee Program (FEP) Here are the solutions, for fixing the most common errors members experience when trying to login to view their BCBSIL health care account. MMAI Members: Get ready to renew your Medicaid! Start at abe.illinois.gov, click Manage My Case to find your renewal due date and verify your mailing address. You can also call 1-800-843-6154. Beware of scams. Illinois will never ask you for …
Blue Access for Members. (BAM) As a Blue Cross and Blue Shield of Illinois (BCBSIL) member, you have access to our secure, online resource tool that can help make your life easier. Blue Access for Members (BAM) offers Medicare coverage and benefit information, health and wellness resources, and more to help you live a healthy lifestyle. . Bbandt bank online banking
To obtain fast, efficient, detailed benefits information for Blue Cross and Blue Shield members, you can use Availity’s Eligibility and Benefits tool. This free online tool can provide you with co-payment, co-insurance, deductible, and other important information. For additional details, refer to the Availity Eligibility and Benefits User Guide. Step 1. Log in to the BCBSIL mobile app. Step 2. On the dashboard, tap the Member ID Card icon. Step 3. That’s it. You’re now looking at your digital member ID card. Step 4. Tap on the share icon in the top right corner of your screen and select “Share Verification of Coverage.”. Student Health Plans. AcademicBlue SM is a student health insurance plan provided by Blue Cross and Blue Shield of Illinois (BCBSIL). This plan was designed specifically for college and university students and provides quality health insurance from a leader in the health care industry. Why choose AcademicBlue? Preventive care, including ...However, you may still obtain a copy by logging into your my BlueCross account, or request a copy by calling the customer service phone number on the back of your ID card. Blue Cross and Blue Shield of Alabama offers health insurance, including medical, dental and prescription drug coverage to individuals, families and employers.Choose a dental network from the list below to search for a dentist. If your Blue Cross and Blue Shield of Illinois plan includes pediatric dental coverage, choose "BlueCare Dental (Traditional National PPO)" as your network. To find out if your plan includes pediatric dental coverage, please check your Summary of Benefits and Coverage (SBC). You may be able to access some features through or your specific account’s BCBSXX website. If available for your account, you can also visit Member Servicesfor the following: Search for a doctor, hospital, pharmacy, urgent care, and more. Locate a form. View prescription drug lists. If you regularly pay your premium through BCBSXX, you also ... Telligent is an operating division of Verint Americas, Inc., an independent company that provides and hosts an online community platform for blogging and access to social media for Blue Cross and Blue Shield of Illinois. File is in portable document format (PDF). To view this file, you may need to install a PDF reader program. Find Your Level of Family Health Insurance. Gold. Gold Plans are for you if you: Have more medical needs than most, like a chronic health condition. Have a spouse and children on your plan, or want to grow your family soon. Prefer to have lower out-of-pocket costs but a higher monthly bill. Because we're member-owned, not investor-owned, our employees are empowered to advocate for the more than 8.5 million individuals who put their trust in BCBSIL. As the largest, most experienced health insurance provider in Illinois, BCBSIL is reimagining wellness for our state and looking for original thinkers who aren't afraid to make dynamic ...ENJOY THE BENEFITS OF BLUE365. Sign up for Blue365 to enjoy exclusive member discounts on fitness classes, exercise equipment, nutrition, and more. It's easy and free to join! Learn more. Blue Cross Blue Shield of Massachusetts brings health insurance plans, medical claims, insurance coverage, benefits and telehealth via MyBlue Web & App.As a member of Blue Cross Blue Shield Texas (BCBSTX), you have access to a variety of healthcare benefits and services. One way to manage your account and stay up-to-date with your...Benefits of Online Bill Pay. Simple and secure — the fastest way to review and make your payments. No paper to get lost or delayed — email alerts notify you when your bill is ready. Your payments will be processed quickly and accurately. View payment status activity for current and past payments. Credits post to your account in 2 business ...Member Log in or Sign Up; Employer Log In or Sign Up; Producer Log In or Sign Up; Have you recently browsed plans or obtained a quote on our shopping tool? ... Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield ... Starting January 1, 2025, the PSHB Program will offer health insurance to USPS employees, retirees and eligible family members. The Office of Personnel Management (OPM) recently announced that the Blue Cross and Blue Shield Federal Employee Program (FEP) is a conditionally approved carrier. Learn More. The MyBlue Wellness card is a debit card that federal employees can use to pay for qualified medical expenses, such as prescriptions and copayments, according to Blue Cross and Blu...Log in to Blue Access for Members SM (BAM SM) Log in to your account to access your health plan information: Find an in-network doctor, hospital or other provider. Pay your …As a member of Blue Cross Blue Shield Texas (BCBSTX), you have access to a variety of healthcare benefits and services. One way to manage your account and stay up-to-date with your...BlueCard is a national program that enables members of one Blue Cross and Blue Shield (BCBS) Plan to obtain health care services while traveling or living in another BCBS Plan’s service area. The program allows you to submit claims for members from other BCBS Plans to the Illinois Plan. The three-character prefix preceding the member’s ID ...• The member named Claims are subject to your plan’s limits, exclusions and provisions.above is eligible for pharmacy benefits ... Blue Cross and Blue Shield of Illinois is a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the. Blue Cross and Blue Shield Association. 3272 ; IL. 05/23 ...Find Your Level of Family Health Insurance. Gold. Gold Plans are for you if you: Have more medical needs than most, like a chronic health condition. Have a spouse and children on your plan, or want to grow your family soon. Prefer to have lower out-of-pocket costs but a higher monthly bill..