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Health Insurance Plans

Northwestern offers US-based employees four Blue Cross Blue Shield medical plans and Qatar employees are offered the Cigna International Health plan. Additionally, US-based employees who are eligible and wish to enroll in ACA benefits, can choose the ACA Value PPO option. Below is information about the plans, what they cover and how much they cost.

Plan options

The following health insurance plans are available to Northwestern employees:

Blue Cross Blue Shield of Illinois administers all four medical plans for US-based employees. Read the summary plan description for Northwestern’s health and welfare insurance coverage.

Preferred Provider Options (PPOs)

Three preferred provider options (PPOs) that offer the flexibility to go to any provider you choose (though you will receive greater benefits and pay lower out-of-pocket costs when you see a provider who is a member of the Northwestern Medicine or Blue Cross Blue Shield PPO network).

Health Maintenance Organizations (HMOs)

One health maintenance organization (HMO) that offer a coverage option that gives you access to the HMO Illinois provider Network, but pays no benefits when you see a provider who is not a member of the network (except in an emergency).

Forms and policies