For more information, call: 877-CENTEGRA

Insurance Information

Questions About Your Out-Of-Pocket Costs?

Centegra PriceLine is a service you can call to determine your estimated out-of-pocket costs for particular services within Centegra hospitals.

Learn more about the Centegra PriceLine, hospital pricing and out-of-pocket costs.

Insurance Counseling Services

In-Person Counselors

In-Person Counselors are available to meet with you at Centegra hospitals. In-Person Counselors provide information and education regarding the Affordable Care Act. They also help you apply for and enroll in Medicaid or Market Place insurance plans.  In-Person Counselors are available to meet with you at any of the Centegra hospitals. This service is free of charge.

Call 815-759-4988 to make an appointment with an In-Person Counselor.

Senior Health Insurance Program (SHIP)

SHIP, Senior Health Insurance Program, is a free insurance counseling service sponsored by the Illinois Department of Financial and Professional Regulation, Division of Insurance, for Medicare beneficiaries and their caregivers. The Illinois Department of Insurance trains SHIP counselors to:

  • Answer questions about Medicare, Medicare Supplement insurance, long-term care insurance, Medicare managed care plans (HMO, PPO & PFFS) and other health insurance
  • Answer questions regarding prescription drug coverage through Medicare D and other sources
  • Organize and assist in filing Medicare and Medicare Supplement claims
  • Analyze Medicare Supplement and long-term care insurance policies and appeal claim denials
  • Assist with the completion of Illinois Cares/Circuit Breaker applications and Extra Help applications.
  • Answer questions and assist with the completion of Extra Help applications, a federal program to assist low-income seniors with the costs associated with Medicare D.

Patient Business Services is open Monday-Friday, 8 a.m. – 5 p.m. For information or to schedule an appointment in McHenry County, call 815-334-0460 or toll free at 888-400-5722. To reach the SHIP hotline, call 800-548-9034.

Insurance Carriers Accepted

Centegra Health System Hospitals

  • Aetna HMO, PPO, EPO, POS, NAP, Open Access
  • Aetna Medicare Advantage
  • Aetna Behavioral Health**
  • Aetna Better Health – Medicaid HMO and MMAI (excludes OP Substance Abuse)
  • The Alliance
  • American Psych Systems**
  • Beech Street PPO Next
  • Behavioral Health Systems**
  • Blue Cross PPO, Blue Precision (Excludes Med Select) (Note that beginning Jan. 1, 2014, Centegra Health System will no longer participate in the Blue Cross Blue Shield Blue Choice PPO Network.)
  • Blue Cross Dual Eligibles
  • Cenpatico (Illinicare Behavioral Health carve-out)
  • Centegra Health & Wellness Network Site 471 (HMOI & Blue Advantage) (Site 471)
  • Cigna Behavioral Health**
  • Cigna HMO, PPO, POS, Open Access Plus, New Business C-5
  • Cigna Local Plus
  • Cofinity PPO (PPOM)
  • Community Care Alliance (Medicare Advantage & Medicaid HMO)
  • ComPsych**
  • CorVel/CorCare PPO, WC
  • Coventry National/Coventry Health Plans, PPO W/C
  • Delphi (Preston) PPO
  • Employers Coalition on Health (ECOH)
  • Employers Health Network PPO
  • First Health/CCN/Coventry National (Coventry Health Plans) PPO, WC
  • Galaxy Health Network PPO
  • Great West HMO, PPO, POS
  • Health Management Network (HMN)
  • HealthLink
  • HealthSpring (dual eligibles program)
  • HFN PPO, EPO, WC (includes NPPN, ECOH)
  • HMO Illinois
  • Humana HMO (Includes Choice Care, Choice POIS, HMOx)
  • Humana PPO (Includes PPO Smartnet)
  • Humana Medicare replacement plans
  • Humana MMAI (Medicare/Medicaid Duals) & ICP (Integrated Care Program)
  • Illinicare (Medicare Advantage and Medicaid HMO, Dual MMAI)
  • Illinois Breast & Cervical Cancer Program via McHenry County Board of Health (IBCCP)
  • Integrated Health Plan
  • Interplan Health Group/HealthSmart (formerly Preferred Plan)
  • Lake County Physicians Association-ER and outpatient services (Site 262)
  • Land of Lincoln
  • LIFESYNCH (formerly Corphealth)**
  • LIFESYNCH Medicare Advantage
  • Magellan Behavioral Health**
  • Managed Health Network**
  • Mercy Physicians Association (MPA) (Site 459)
  • Meridian (Medicare Advantage, Medicaid HMO and MMAI)
  • MHNet Behavioral Health**
  • MultiPlan PPO
  • Northern Illinois Health Plan PPO
  • Personal Care HMO, PPO (Coventry Health plans)
  • Perspectives Behavioral Health**
  • Preferred Network Access
  • PPO Next—PPO, EPO, WC
  • Private Healthcare Systems PPO, POS, EPO, W/C, Auto
  • Private Healthcare Systems SAVILITY
  • Providers First PPO
  • Three Rivers Provider Network PPO
  • Tricare-Prime/Extra/Standard Plans (Champus)
  • Tri-County (Mammograms only at CLMA or Huntley Imaging)
  • Unicare Health Plans HMO, POS, PPO
  • United HealthCare: Select EPO/Select Plus EPO/POS, Choice/Choice Plus, Open Access, HMO/HMO Plus, Premier/Premier Plus, Select HMO, Select Plus HMO, Options PPO, Navigate, UHC Core
  • United Healthcare Medicare Advantage
  • United Healthcare Medicare Advantage Illinois Retired Teachers Plan
  • United Behavioral Health** (including Medicare Advantage)
  • Value Options Behavioral Health**
  • Wellpoint Behavioral Health**

**Please note- Behavioral health facility contracts are for South Street facility only.

Centegra Physician Care (CPC)

  • Aetna HMO, PPO, EPO, POS, NAP, Open Access
  • Aetna Medicare Advantage
  • Aetna Behavioral Health**
  • Aetna Better Health – Medicaid HMO and MMAI
  • The Alliance
  • American Specialty Health (chiro)
  • Beech Street/PPO Next
  • Blue Cross PPO, Blue Precision & Blue Choice (Excludes Med Select)
  • Centegra Health & Wellness Network (HMOI & Blue Advantage) (Site 471)
  • Cigna HMO, PPO, POS, Open Access, Open Access Plus, New Business C-5
  • Cigna Local Plus
  • Cofinity PPO (PPOM)
  • Community Care Alliance (Medicare Advantage & Medicaid HMO)
  • ComPsych**
  • CorVel/CorCare PPO, WC
  • Coventry National/Coventry Health Plans, PPO W/C
  • Delphi (Preston) PPO
  • Employers Coalition on Health (ECOH)
  • Employers Health Network PPO
  • First Health /CCN/Coventry National (Coventry Health Plans) PPO, WC
  • Great West HMO, PPO, POS
  • HealthLink
  • HealthSpring (dual eligibles program)
  • HFN PPO, EPO, WC (includes NPPN, ECOH)
  • HMO Illinois (Site 471)
  • Humana HMO (Includes Choice Care, Choice POS, HMOx)
  • Humana PPO (Includes PPO Smartnet)
  • Humana Medicare replacement plans
  • Humana MMAI (Medicare/Medicaid Duals) & ICP (Integrated Care Program)
  • Illinicare (Medicare Advantage and Medicaid HMO, Dual MMAI)
  • Illinois Breast & Cervical Cancer Program via McHenry County Board of Health (IBCCP)
  • Integrated Health Plan
  • Interplan Health Group/HealthSmart (formerly Preferred Plan)
  • Land of Lincoln
  • LIFESYNCH (Formerly Corphealth)**
  • Meridian (Medicare Advantage, Medicaid HMO and MMAI)
  • MultiPlan PPO
  • Northern Illinois Health Plan PPO
  • Personal Care HMO, PPO (Coventry Health plans)
  • Preferred Network Access
  • PPO Next—PPO, EPO, WC
  • Private Healthcare Systems PPO, POS, EPO, W/C, Auto
  • Private Healthcare Systems SAVILITY
  • Providers First PPO
  • Three Rivers Provider Network PPO
  • Tricare-Prime/Exxtra/Standard Plans (Champus) select panel
  • Unicare Health Plans HMO, POS, PPO (all except HMO Performance)
  • United HealthCare: Select EPO/Select Plus EPO/POS, Choice/Choice Plus, Open Access, HMO/HMO Plus, Premier/Premier Plus, Select HMO, Select Plus HMO, Options PPO, Navigate, UHC Core
  • United Healthcare Medicare Advantage Illinois Retired Teachers Plan only
  • United Behavioral Health** (including Medicare Advantage)
  • Value Options Behavioral Health**

**Please note- Behavioral health facility contracts are for South Street facility only.