Resources

Helpful Plan Links:

• State of Illinois FY2026 Benefit Choice
• Aetna State Plans
• HealthLink OAP
• BCBSIL State Plans

Insurance Terminology Explained:

• OAP (Open Access Plan): Flexibility to choose any tiered provider; Kirby is Tier 1 in many OAPs.
• HMO (Health Maintenance Organization): Requires in-network care and PCP referrals.
• PPO (Preferred Provider Organization): Wider provider access with network-based cost savings.
• QCHP (Quality Care Health Plan): Broad national access with enhanced in-network benefits.
• CDHP (Consumer-Driven Health Plan): Pairs with an HSA; may offer lower premiums.