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If you're planning to cover your healthcare costs by accessing your health insurance benefits, we can help.

Navigating Healthcare Costs

CGH financial counselors are here to help you navigate the cost of healthcare. We understand that your financial experience is very important to your overall wellness. If you don't have insurance or need help with costs that aren't covered by insurance, the following programs are available.

CGH Financial Assistance Program

CGH provides discounted care to patients who qualify. Up to 100% of hospital and clinic charges may be discounted. An application must be completed to see if you qualify.

IL Medicaid Program

We can screen you at CGH to see if you qualify for state-funded medical coverage. If you meet the program criteria, a financial counselor will submit an application on your behalf. Appointments are available for this service.

Medication Assistance Program

Help is available to find access to affordable medications. We can assist you with oral (swallowed) mediciations and IV infusion drugs. If you qualify for free or discounted medications or a co-pay assistance program, a financial counselor can navigate the application process for you.

Please contact us for more information about these programs. 815.625.0400, ext. 4948.
Monday - Friday, 8 AM to 4:30 PM.

If you have any questions about the information listed here, call us at 815.625.6065.

Health Insurance Plans

  • In-network plans provide greater coverage to patients, resulting in a lower balance due to the patient.

  • For out-of-network healthcare, insurance may only cover a fraction of the care (or cover nothing at all), resulting in a higher balance due to the patient.

  • For a printable version of this list, click here.


Commercial Insurance Plans

Both CGH Medical Center and CGH Clinics are considered in-network providers by these health plans:

  • Aetna
  • Beech Street
  • Blue Cross Choice Plan
  • Blue Cross/Blue Shield
  • Cigna
  • ECOH
  • Health Alliance
  • HFN
  • Humana
  • Multiplan (PHCS)
  • Northern IL Health Plan
  • PHCS
  • PPO Next
  • Preferred Plan/Interplan (Includes ProNet, ProAmerica, USA H&W)
  • The Alliance
  • United Healthcare
  • United Healthcare Compass HMO
  • Wellmark of Iowa (Iowa Blue Cross)** - In Network for the hospital and these providers only: Kimberly Teats-Garrison, Lynn Coffey, Dr. Toth, Dr. Stees, and Dr. Hahn

Our CGH Medical Center and clinics are considered out-of-network providers for:

  • Blue Cross HMO
  • Health Link OAP
  • Quality Care Health Plan


Medicare Advantage Health Insurance Plans

The CGH Medical Center and CGH Clinics are considered in-network providers for:

  • AARP Medicare Complete
  • Humana Medicare Advantage
  • United Healthcare Medicare Advantage

We are considered out-of-network providers for:

  • Aetna/Medicare Advantage
  • Blue Cross Medicare Advantage
  • Cigna Medicare Advantage
  • Health Alliance Medicare Advantage
  • Wellcare


Medicaid Managed Care Health Plans

We are considered in-network providers for the following health insurance plans:

  • Aetna Better Health
  • Blue Cross Community Family Health Plan
  • Meridian Health Plan
  • Molina Healthcare

We are considered out-of-network providers for the following health insurance plans:

  • County Care Health Plan (coverage in Cook County Only)
  • Next Level Health Partners (coverage in Cook County Only)


Retired School Teacher/Retired State of Illinois Employees

We are considered in-network providers for:

  • Medicare Advantage Humana
  • Medicare Advantage United Healthcare
  • Medicare Aetna (effective 1/1/2023)

We are considered out-of-network providers for:

  • Medicare Advantage Coventry Advantra HMO
  • Medicare Advantage Health Alliance HMO


Medicare/Medicaid MMAI

We are considered in-network providers for:

  • Aetna Better Health MMAI
  • Blue Cross MMAI
  • Meridian Health MMAI
  • Molina Health MMAI


Iowa Medicaid Plans

We are considered in-network providers for:

  • Iowa Medicaid

We are considered out-of-network providers for:

  • Amerigroup
  • Iowa Total Care


Medicare Rx

Everyone with Medicare, regardless of income, health status or prescription drug usage, has access to prescription drug coverage. Benefits of Medicare prescription drug coverage include:

  • Availability. All people with Medicare are eligible.
  • Cost savings. The plan will pay for about half your drug costs. And nearly 1 person in 3 will qualify for extra help.
  • Financial protection. The plan works as a buffer against high drug expenses.
  • Broad coverage. The plan covers brand-name and generic drugs.

The Medicare Plan Finder can help you connect with a health insurance provider that offers this coverage.


(Through UnitedHealthcare, UMR and HealthSCOPE Benefits creates and publishes the Machine-Readable Files on behalf of CGH Medical Center
To link to the Machine-Readable Files, please click on the URL provided: transparency-in-coverage.uhc.com)