Illinois health plan · 2025

Silver 10 Advanced: $0 PCP + Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care · 99129IL0120036

Aetna Health Inc. (a PA corp.) offers this marketplace health insurance plan (Plan ID 99129IL0120036) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.

Metal level: Silver Plan type: HMO CSR: Standard Silver Off Exchange Plan Issuer: Aetna Health Inc. (a PA corp.)
Telehealth Data pending HSA eligible No Dental Not listed Vision Child

Issuer actuarial value: 71.60%. Expect to pay roughly 28.40% of covered costs out of pocket, based on issuer reporting.

2025 cost summary

Key premiums & cost sharing

Rates mirror the latest CMS import (Tue, 02 Dec 2025 06:13 GMT). Personalize costs with your ZIP, age, and subsidies in the plan finder.

Monthly premium

$255 – $1544

Before subsidies

Estimate after subsidies

Deductible

N/A

N/A

See deductible details

Max out-of-pocket

$9,195

$18390 per group

Review MOOP rules

Office visits

Primary care No Charge
Specialist $60.00
HSA Not eligible

Drug tiers

Generic $19.00
Preferred brand $60.00

View formulary tiers

$350 / mo before subsidies

≈ $4196 per year before tax credits.

Start with this unsubsidized premium, then apply marketplace tax credits to see your final monthly payment.

  • Ideal for shoppers comparing Bronze vs. Silver budgets.
  • Update your Marketplace application to apply premium tax credits.

$1133 / mo before subsidies

≈ $13595 per year before tax credits.

Pre-subsidy rate for a couple with one dependent. Switch to Silver CSR plans if you qualify to reduce these numbers.

  • Compares well against PPO vs HMO networks when planning for childcare and telehealth needs.
  • This Silver tier qualifies for CSR if household income is ≤250% FPL.

$1372 / mo before subsidies

≈ $16464 per year before tax credits.

Pairs with cost-sharing reductions (CSR) when you select a Silver tier and qualify based on income.

  • Use this estimate before adding childcare, dental, or vision extras.
  • CSR Silver variants can lower deductibles dramatically for eligible incomes.
  • This Silver tier qualifies for CSR if household income is ≤250% FPL.

$872 / mo before subsidies

≈ $10463 per year before tax credits.

Shows the combined pre-subsidy rate for two adults. Add dependents or subsidies in your application to refine it.

  • Great for households deciding between PPO and HMO networks.
  • Telehealth and HSA perks (when offered) apply to both members.
Issuer profile See benefits

Preventive Care/Screening/Immunization

No Charge

Emergency Room Services

$2,200.00

Durable Medical Equipment

50.00%

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Enrollment guidance

Stay on top of 2025 ACA deadlines

Open Enrollment window

Marketplace enrollment for 2025 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Illinois). Submit changes before the deadline to avoid a coverage gap.

  • Enroll by Dec 15 for Jan 1 starts.
  • Finalize plan switches before the window closes.

Special Enrollment Periods

You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).

  • Report the event within 60 days.
  • Keep documentation handy for Healthcare.gov or your state exchange.

CSR & subsidy reminders

Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.

  • Enter accurate income to maximize Advanced Premium Tax Credits.
  • Standard Silver Off Exchange Plan plans like this one keep deductibles and copays lower if you qualify.

Thinking about switching?

Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.

  • Match provider networks so ongoing care isn’t disrupted.
  • Confirm prescriptions stay on-formulary or budget for tier changes.

Top covered benefits

How this plan handles key care scenarios

Preventive Care/Screening/Immunization

No Charge

Emergency Room Services

$2,200.00

Durable Medical Equipment

50.00%

Premium snapshot

Plan identifiers & filings

Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.

Network stats

Provider access snapshot

Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).

All providers in Illinois 18709
PCPs in Illinois 2232
Telehealth support Data pending
Nationwide providers 22947
18,709 doctors statewide 2,232 PCPs 65 OB/GYN
Providers Illinois All US states
All 18709 22947
PCP 2232 2820
Allergy 6 11
OB/GYN 65 103
Dentists 2285 2465

Drug coverage overview

3,368 drugs tracked

Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.

Tier Covered drugs
NON-PREFERRED-GENERIC-NON-PREFERRED-BRAND 2,427
ZERO-COST-SHARE-PREVENTIVE-DRUGS 438
NON-PREFERRED-BRAND-SPECIALTY-DRUGS 274
PREFERRED-BRAND 229
Prior authorization Drugs
Required 618
Not Required 2,750
Step therapy Drugs
Required 195
Not Required 3,173
Quantity limits Drugs
Has Limit 1,003
No Limit 2,365

Customer highlights

What stands out for members

  • Issuer: Aetna Health Inc. (a PA corp.) · Plan ID 99129IL0120036 · 2025 filing.
  • Disease management programs available: Asthma, Depression, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Low Back Pain, Pain Management, Pregnancy.
  • Download the latest formulary directly from the issuer here.
  • Review marketing brochures and SBC PDFs via the issuer marketing repository.
  • Variant 99129IL0120036-00 (Standard Off Exchange Plan) currently displayed.
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Benefits

Covered services & limitations

Everyday care

Office visits, preventive care, labs, imaging, and home health.

Chiropractic Care

$85.00

Diabetes Education

$60.00

Home Health Care Services

$85.00

Laboratory Outpatient and Professional Services

$85.00

Other Practitioner Office Visit (Nurse, Physician Assistant)

No Charge

Preventive Care/Screening/Immunization

No Charge

Primary Care Visit to Treat an Injury or Illness

No Charge

Rehabilitative Occupational and Rehabilitative Physical Therapy

$85.00

Rehabilitative Speech Therapy

$85.00

Specialist Visit

$60.00

Urgent Care Centers or Facilities

$50.00

X-rays and Diagnostic Imaging

$100.00

Hospital & urgent

Emergency room, inpatient stays, ambulance, and surgeries.

Chemotherapy

50.00%

Delivery and All Inpatient Services for Maternity Care

$2,500.00

Dialysis

$1,250.00

Durable Medical Equipment

50.00%

Emergency Room Services

$2,200.00

Emergency Transportation/Ambulance

$2,200.00

Hospice Services

$2,500.00

Inpatient Hospital Services (e.g., Hospital Stay)

$2500.00 Copay per Day

Inpatient Physician and Surgical Services

No Charge

Mental/Behavioral Health Inpatient Services

$2500.00 Copay per Day

Mental/Behavioral Health Outpatient Services

No Charge

Outpatient Facility Fee (e.g., Ambulatory Surgery Center)

$1,250.00

Outpatient Rehabilitation Services

$85.00

Outpatient Surgery Physician/Surgical Services

$300.00

Radiation

50.00%

Skilled Nursing Facility

$2500.00 Copay per Day

Substance Abuse Disorder Inpatient Services

$2500.00 Copay per Day

Substance Abuse Disorder Outpatient Services

No Charge

Transplant

$2,500.00

Pregnancy & family

Maternity, newborn, pediatric dental and vision extras.

Basic Dental Care - Child

Coverage details pending

Hearing Aids

50.00%

Major Dental Care - Child

Coverage details pending

Prenatal and Postnatal Care

No Charge

Routine Eye Exam for Children

$10.00

Well Baby Visits and Care

No Charge

Pharmacy & drugs

Generic, brand, specialty, and mail order tiers.

Generic Drugs

$19.00

Non-Preferred Brand Drugs

40.00% Coinsurance after deductible

Preferred Brand Drugs

$60.00

Specialty Drugs

50.00% Coinsurance after deductible

Wellness & extras

Vision, dental, therapies, prosthetics, weight management.

Accidental Dental

$60.00

Basic Dental Care - Adult

Coverage details pending

Dental Check-Up for Children

Coverage details pending

Infusion Therapy

50.00%

Major Dental Care - Adult

Coverage details pending

Nutritional Counseling

No Charge

Orthodontia - Adult

Coverage details pending

Orthodontia - Child

Coverage details pending

Prosthetic Devices

50.00%

Routine Dental Services (Adult)

Coverage details pending

Weight Loss Programs

Coverage details pending

Additional benefits

Other plan-specific services and limitations.

Abortion for Which Public Funding is Prohibited

$60.00

Acupuncture

Coverage details pending

Allergy Testing

$60.00

Bariatric Surgery

50.00%

Cosmetic Surgery

Coverage details pending

Eye Glasses for Children

$10.00

Gender Affirming Care

Coverage details pending

Habilitation Services

No Charge

Imaging (CT/PET Scans, MRIs)

$750.00

Infertility Treatment

$60.00

Long-Term/Custodial Nursing Home Care

Coverage details pending

Private-Duty Nursing

50.00%

Reconstructive Surgery

$2,500.00

Routine Eye Exam (Adult)

Coverage details pending

Routine Foot Care

$60.00

Treatment for Temporomandibular Joint Disorders

$60.00

Variant attributes

Silver 10 Advanced: $0 PCP + Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care · Variant 99129IL0120036-00

Plan identifiers & tier

Issuer-provided metadata for this variant.

Business Year

2025

CSR Variation Type

Standard Silver Off Exchange Plan

HIOS Product ID

99129IL012

Metal Level

Silver

Plan ID (Standard Component ID with Variant)

99129IL0120036-00

Plan Marketing Name

Silver 10 Advanced: $0 PCP + Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care

Plan Variant Marketing Name

Silver 10 Advanced: $0 PCP + Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care

Issuer & service area

Issuer-provided metadata for this variant.

Issuer Actuarial Value

71.60%

Issuer ID

99129

Issuer Marketplace Marketing Name

Aetna CVS Health

Market Coverage

Individual

Multiple In Network Tiers

No

National Network

No

Network ID

ILN004

Out of Country Coverage

No

Out of Service Area Coverage

No

Out of Service Area Coverage Description

Except for Emergencies

Service Area ID

ILS004

State Code

IL

URL for Summary of Benefits & Coverage

Open link

Cost sharing & actuarial values

Issuer-provided metadata for this variant.

Begin Primary Care Deductible Coinsurance After Number Of Copays

0

Drug EHB Deductible, In Network (Tier 1), Default Coinsurance

0.00%

Inpatient Copayment Maximum Days

0

Medical Drug Deductibles Integrated

No

Medical Drug Maximum Out of Pocket Integrated

Yes

Medical EHB Deductible, In Network (Tier 1), Default Coinsurance

50.00%

SBC Scenario, Having a Baby, Coinsurance

$0

SBC Scenario, Having a Baby, Copayment

$5,500

SBC Scenario, Having a Baby, Deductible

$0

SBC Scenario, Having Diabetes, Coinsurance

$0

SBC Scenario, Having Diabetes, Copayment

$1,600

SBC Scenario, Having Diabetes, Deductible

$0

SBC Scenario, Treatment of a Simple Fracture, Coinsurance

$0

SBC Scenario, Treatment of a Simple Fracture, Copayment

$1,900

SBC Scenario, Treatment of a Simple Fracture, Deductible

$0

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group

$18390 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person

$9195 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual

$9,195

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group

$18390 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person

$9195 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual

$9,195

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group

per group not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person

per person not applicable

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual

Not Applicable

Enrollment & documents

Issuer-provided metadata for this variant.

Formulary ID

ILF011

Formulary URL

Open link

Plan Brochure

Open link

SBC Scenario, Having a Baby, Limit

$60

SBC Scenario, Having Diabetes, Limit

$20

SBC Scenario, Treatment of a Simple Fracture, Limit

$0

URL for Enrollment Payment

Open link

Additional attributes

Issuer-provided metadata for this variant.

Begin Primary Care Cost-Sharing After Number Of Visits

0

Child-Only Offering

Allows Adult and Child-Only

Composite Rating Offered

No

Drug EHB Deductible, Combined In/Out of Network, Family Per Group

$4000 per group

Drug EHB Deductible, Combined In/Out of Network, Family Per Person

$2000 per person

Drug EHB Deductible, Combined In/Out of Network, Individual

$2,000

Drug EHB Deductible, In Network (Tier 1), Family Per Group

$4000 per group

Drug EHB Deductible, In Network (Tier 1), Family Per Person

$2000 per person

Drug EHB Deductible, In Network (Tier 1), Individual

$2,000

Drug EHB Deductible, Out of Network, Family Per Group

per group not applicable

Drug EHB Deductible, Out of Network, Family Per Person

per person not applicable

Drug EHB Deductible, Out of Network, Individual

Not Applicable

Dental Only Plan

No

Design Type

Not Applicable

Disease Management Programs Offered

Asthma, Depression, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Low Back Pain, Pain Management, Pregnancy

EHB Percent of Total Premium

0.9998

First Tier Utilization

100%

Import Date

2024-09-24 20:01:47

Limited Cost Sharing Plan Variation - Estimated Advanced Payment

$0.00

HSA Eligible

No

New/Existing Plan

New

Notice Required for Pregnancy

No

Is a Referral Required for Specialist?

No

Medical EHB Deductible, Combined In/Out of Network, Family Per Group

$0 per group

Medical EHB Deductible, Combined In/Out of Network, Family Per Person

$0 per person

Medical EHB Deductible, Combined In/Out of Network, Individual

$0

Medical EHB Deductible, In Network (Tier 1), Family Per Group

$0 per group

Medical EHB Deductible, In Network (Tier 1), Family Per Person

$0 per person

Medical EHB Deductible, In Network (Tier 1), Individual

$0

Medical EHB Deductible, Out of Network, Family Per Group

per group not applicable

Medical EHB Deductible, Out of Network, Family Per Person

per person not applicable

Medical EHB Deductible, Out of Network, Individual

Not Applicable

Plan Effective Date

2025-01-01

Plan Type

HMO

QHP/Non QHP

Both

Source Name

SERFF

Plan ID

99129IL0120036

Unique Plan Design

Yes

Wellness Program Offered

Yes

Copay & coinsurance

Pharmacy cost sharing by tier

Drug tier Pharmacy type Copay amount Copay option Coinsurance rate Coinsurance option Mail order

Questions & answers

Frequently asked questions

How do I choose the right ACA plan in Illinois?

Silver 10 Advanced: $0 PCP + Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care (99129IL0120036) is a Silver HMO from Aetna Health Inc. (a PA corp.) in Illinois for the 2025 coverage year.

Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.

Does Silver 10 Advanced: $0 PCP + Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care support telehealth or virtual urgent care?

The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.

Is Silver 10 Advanced: $0 PCP + Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care HSA-eligible and does it include dental or vision coverage?

It is not marked as HSA-eligible, so confirm with the issuer before relying on tax-advantaged savings.

Dental coverage is not listed for this plan.

Vision add-ons: Child.

Does Silver 10 Advanced: $0 PCP + Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care support mail-order prescriptions?

Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.

Which disease management programs come with Silver 10 Advanced: $0 PCP + Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care?

The issuer lists disease management resources for: Asthma, Depression, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Low Back Pain, Pain Management, Pregnancy.

Is there out-of-country coverage for Silver 10 Advanced: $0 PCP + Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care?

No, out-of-country services are not covered for this plan.

Does Silver 10 Advanced: $0 PCP + Aetna network + $0 MinuteClinic + $0 CVS Health Virtual Primary Care cover care outside the service area?

No, the issuer indicates out-of-service-area care is not covered except for emergencies. Details: Except for Emergencies

Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
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