Orlando Harmon
Northwestern Hospital accepts a wide variety of insurance plans, including commercial, government, and exchange plans. The hospital strives to accommodate a wide range of health insurance plans to enable patients to receive the care they need. Some of the insurance providers accepted by Northwestern Hospital include Blue Cross Blue Shield of IL, Aetna, Cigna, and Humana. Notably, Meridian Medicaid is out-of-network at Northwestern Medicine as of January 1, 2025. It is always recommended to contact the hospital and insurance provider directly to confirm coverage and avoid surprise billing.
| Characteristics | Values |
|---|---|
| Northwestern Hospital Accepts Medicaid | Yes, including Meridian Medicaid and Medicaid managed care plans from carriers such as Mutual of Omaha, Blue Cross Blue Shield of IL, Aetna, Cigna, Humana, and UHC. |
| Other Accepted Insurance Plans | Medicare, TriCare Military Services, Health Insurance Marketplace, Blue Precision plan 475 or 477, BluePrecision HMO, BlueChoice Preferred PPO, Cigna, and ACA health insurance plans. |
| Short-Term Health Insurance Plans | Yes, but these plans do not follow the Affordable Care Act rules and do not cover pre-existing conditions, pregnancy, pre-natal services, or some mental health treatments. |
| International Students | Yes, international students can enroll in a health insurance plan. |
| Northwestern University Employees | Employees enrolled in a University health plan can defer enrollment in Medicare Parts A & B until they retire, their employment ends, or they become ineligible for Northwestern's health plan. |
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What You'll Learn
Medicaid plans accepted by Northwestern Medicine
Northwestern Medicine accepts a wide variety of insurance plans, including Medicaid. Notably, Meridian Medicaid will be out-of-network at Northwestern Medicine as of January 1, 2025.
Northwestern Medicine accepts both government and commercial insurance plans. It is partnered with Blue Cross and Blue Shield of Illinois, and accepts Blue Cross and Blue Shield of Illinois, Anthem, and Blue Choice Preferred PPOSM plans. Northwestern Medicine also accepts Medicare supplement plans from major carriers, including Mutual of Omaha, Blue Cross Blue Shield of IL, Aetna, Cigna, Humana, and UHC.
Northwestern Medicine also participates in traditional Medicare and Medicaid, as well as Family Health Plans (FHP), Integrated Care Plans (ICP), and Medicare-Medicaid Alignment Initiative (MMAI) plans. FHP, ICP, and MMAI plans are often available to individuals who were previously eligible for traditional Medicaid but now access managed Medicaid plans through the expansion of the Affordable Care Act.
Northwestern Medicine also accepts TriCare Military Services insurance plans, which are administered by the Department of Defense for active-duty military personnel and their families.
It is important to note that most physicians providing care at Northwestern Medicine hospitals are independent and may accept different insurance plans than those accepted by the hospital. Patients are advised to contact their physician's office directly to confirm accepted insurance plans.
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Commercial insurance plans at Northwestern Medicine
Northwestern Medicine accepts a wide variety of insurance plans, including commercial, government, and exchange plans. In terms of commercial insurance, Northwestern Medicine is partnered with Blue Cross and Blue Shield of Illinois. This partnership provides low-cost, high-quality care at over 200 sites in the Chicagoland area. Northwestern Medicine accepts Blue Cross and Blue Shield of Illinois, Anthem, and Blue Choice Preferred PPOSM plans. These plans are offered by private health insurance companies and are eligible for subsidies via APTC and CSR.
Commercial health insurance helps pay for medical and surgical bills. These plans are usually offered through employers and include network providers, including Northwestern Medicine physician clinics. In some cases, you must choose a primary care physician from your plan’s network before visiting a Northwestern Medicine doctor. Depending on your specific insurance plan, you may be able to visit any of Northwestern Medicine’s facilities as long as you have authorization. The cost of care will depend on your plan’s deductibles and co-payments.
It is important to note that most of the physicians providing care at Northwestern Medicine hospitals are independent and may accept different insurance plans than those accepted at a care location. Patients are advised to contact their physician’s office directly to confirm accepted insurance plans. Additionally, patients receiving behavioral health services should contact the office directly for information related to in-network insurance plans.
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Government insurance plans at Northwestern Medicine
Northwestern Medicine accepts a wide range of government insurance plans. These include Medicare supplement plans from major carriers such as Mutual of Omaha, Blue Cross Blue Shield of IL, Aetna, Cigna, Humana, and UHC. Northwestern Medicine also participates with TriCare Military Services, which is administered by the Department of Defense for active-duty military personnel and their families.
It is important to note that the physicians providing care at Northwestern Medicine hospitals are mostly independent and may accept different insurance plans than those accepted at a specific care location. Therefore, patients are advised to contact their physician's office directly to confirm which insurance plans are accepted.
In addition, while Northwestern Medicine strives to accommodate a diverse range of insurance plans, it is always recommended to verify coverage with your insurance provider before seeking treatment. This is particularly relevant for short-term health insurance plans, which do not follow the Affordable Care Act (ACA) rules and may not cover pre-existing conditions, pregnancy, prenatal services, or certain mental health treatments.
For those enrolled in Medicare or Medicaid, it is important to understand the implications on your Northwestern health insurance plan. If you are actively working at Northwestern and enrolled in a University health plan, you may defer enrollment in Medicare Parts A and B until you retire, your employment ends, or you become ineligible for Northwestern's health plan. If you are enrolled in Medicare Parts A or B, you are not eligible to contribute to a Health Savings Account. Additionally, becoming eligible for Medicare or Medicaid does not qualify as a life event that allows you to change your benefits. You must have enrolled in Medicare (Part A and B) or Medicaid to make changes to your coverage.
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Exchange insurance plans at Northwestern Medicine
Exchange insurance plans accepted at Northwestern Medicine hospitals
Northwestern Medicine accepts a wide variety of insurance plans in the commercial, government, and exchange arenas. These include:
- Exchange plans: Northwestern Medicine accepts various exchange plans, including those offered by private health insurance companies that are eligible for subsidies via APTC and CSR. These plans are supported by Healthcare.gov.
- Commercial insurance plans: Northwestern Medicine accepts commercial insurance plans from various providers, including Blue Cross Blue Shield of IL.
- Government insurance plans: Northwestern Medicine participates with TriCare Military Services, which provides coverage for active-duty military personnel and their families. They also accept Medicare Supplement plans from major carriers, including Mutual of Omaha, Blue Cross Blue Shield of IL, Aetna, Cigna, Humana, and UHC.
It is important to note that the physicians providing care at Northwestern Medicine hospitals are mostly independent and may accept different insurance plans than those accepted at a specific care location. Therefore, patients are advised to contact their physician's office directly to confirm the accepted insurance plans. Additionally, patients receiving behavioral health services should contact the office directly for information on in-network insurance plans.
To enrol in a health insurance plan associated with Northwestern Medicine, individuals can refer to the contact information provided on the Northwestern Medicine website. For Blue Cross Blue Shield plans, the customer service line number is available on the back of the insurance card.
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Short-term health insurance plans at Northwestern Medicine
Short-term health insurance plans are available at Northwestern Medicine, but it is important to note that these plans do not follow the Affordable Care Act rules. This means that short-term health insurance plans do not cover pre-existing conditions, pregnancy, prenatal services, or some mental health treatments. International students can enroll in short-term health insurance plans, but it is advised that they contact Northwestern Medicine before their courses start.
Northwestern Medicine accepts a wide variety of insurance plans in the commercial, government, and exchange arenas. These plans are offered by private health insurance companies and are eligible for subsidies via APTC and CSR. They are also supported by Healthcare.gov. Northwestern Medicine is partnered with Blue Cross and Blue Shield of Illinois, which provides low-cost, high-quality care at over 200 sites in the Chicagoland area. They also accept Blue Cross and Blue Shield, Anthem, and Blue Choice Preferred PPOSM plans.
In addition to the plans mentioned, Northwestern Medicine also accepts Medicare Advantage HMO plans, BlueCross Community Options Health Plans, and Medicare supplement plans from major carriers such as Mutual of Omaha, Aetna, Cigna, Humana, and UHC. Northwestern Medicine participates in traditional Medicare and Medicaid plans, Family Health Plans (FHP), Integrated Care Plans (ICP), and the Medicare-Medicaid Alignment Initiative (MMAI). These FHP, ICP, and MMAI plans are often available to individuals who were previously eligible for traditional Medicaid but now access managed Medicaid plans through the expansion of the Affordable Care Act.
It is important to note that Meridian Medicaid will be out-of-network at Northwestern Medicine as of January 1, 2025. Northwestern Medicine also participates with TriCare Military Services, providing plans for active-duty military personnel and their families, administered by the Department of Defense. Small business owners with at least one other non-family member full-time employee can enroll in a commercial or group health plan.
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Frequently asked questions
Northwestern Hospital accepts Medicaid Managed Care plans from select carriers.
Northwestern Hospital accepts a variety of insurance providers, including but not limited to Blue Cross Blue Shield of IL, Aetna, Cigna, Humana, and UHC.
Yes, short-term health insurance plans are accepted at Northwestern Hospital. However, it is important to note that these plans do not cover pre-existing conditions, pregnancy, pre-natal services, or some mental health treatments.
Yes, international students can enrol in a health insurance plan accepted by Northwestern Hospital for as long as they need.
First, determine what type of health insurance plan you have and contact your medical provider's office to confirm if your insurance is accepted. You can then call Northwestern Hospital to enrol in a new plan.
