Health Insurance

patient with provider in front of computer screen

We accept a a wide range of insurance plans. Costs start at $30 sliding-scale fee for those without insurance


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Heartland Health Centers offers sliding-scale fees to anyone who does not have health insurance. You pay a discounted fee based on your household size and income.

To provide the sliding-scale fee we will need proof of income for the past 30 days. If you are self-employed (taxi driver, etc.), bring your most recent tax return. If you have no income, a notarized letter from the person supporting you will be required.

The fee starts at $30 and includes a visit with the medical provider, x-rays and labs, if ordered. If you are prescribed medication, our staff will work with you to obtain medicine at an affordable cost. If you need specialized care, our staff will refer you to a partner hospital depending on service needed.

The cost for these visits will depend on where you are referred. Many hospitals’ financial assistance programs make it possible to receive services you or a household member need at low or no cost. Contact us with questions before you come in by calling (773) 751-7062.


We accept these private/exchange insurance plans

  • Most PPO plans
  • Ambetter HMO (must select a Heartland Health Center provider as your primary care provider) 

Please note we do not accept Blue Cross Blue Shield-Blue Choice Preferred PPO.


We also accept all Medicaid Managed Care plans

We accept ALL of the Medicaid Managed Care plans. Our Certified Application Counselors can help you see if you can change your plan before you are locked in for a year, change your primary care provider with your Medicaid plan, and answer any other questions you may have. Reach them at (773) 751-7062.

  • Aetna Better Health (Dual eligible only-Medicaid/Medicare)
  • Blue Cross Community Family Health Plan
  • Community Care Alliance (Dual eligible only-Medicaid/Medicare)
  • County Care
  • Humana (Dual eligible only -Medicaid/Medicare)
  • Meridian Health Plan
  • Molina

Eligible individuals may apply for coverage through Medicaid any time. Medicaid programs include All Kids, Moms & Babies, Adult ACA, and AABD. Heartland Health Centers can help you apply for these programs. Eligibility criteria vary depending on the program:

Adult ACA Medicaid

In Illinois, Medicaid covers 19 to 64-year-olds who meet immigration and income requirements: 

Immigration status U.S. citizens, legal permanent residents for at least five years, victims of trafficking, have entered the US as refugees or asylees, currently covered by the Violence Against Women Act (VAWA), or special Iraqi/Afghan immigrants, among others. Applicants for any of these immigration benefits might also qualify for Medicaid.

Income Depends on family size. For example, a single person with no dependents must earn less than $1,396/month to qualify for this program; a family of four must earn less than $2,887/month.

All Kids and Moms & Babies

Moms and Babies and All Kids is available to children under 19 and pregnant women, regardless of immigration status. These two programs have higher income eligibility thresholds than Adult Medicaid. For instance, a single pregnant woman can earn up to $2,922/month and qualify for full coverage. For a child to qualify for All Kids, a family of four can earn up to $6,652/month. There might be small fees (premiums, copays, etc.) for those on the higher end of this income scale.

Pregnant women can receive Medicaid Presumptive Eligibility Coverage (MPE), temporary outpatient insurance while their Moms & Babies application is being processed. MPE coverage is awarded to individuals who have a pregnancy verification letter, attest to living in Illinois, and meet certain income criteria.

NEW Senior Health Insurance Program for Immigrants

Starting December 1st, 2020, seniors aged 65 and older, who live in Illinois and have low income, can now apply for Medicaid, regardless of their immigration status. This program is funded by the state and therefore is not counted as part of the public charge test.

This program is similar to the Aid for the Aged, Blind, or Disabled program, but extends coverage to undocumented, green card holders for less than five years, TPS holders, and other statuses.

Worried about PUBLIC CHARGE?

Public charge is a test used by immigration to determine if someone is likely to rely on government’s assistance to live. If someone is considered public charge, they could be denied their green card or entrance to the U.S.

The public charge rule does NOT apply to many people, including: refugees, asylees, naturalized citizens, people that already have their green card, TPS and DACA recipients that need to renew their work permits, among many other statuses.

Receiving Medicaid (All Kids, Moms & Babies, etc.) for pregnant women and children under 21 is not considered public charge.

Applying for Emergency Medicaid (when you go to the emergency room due to an emergency)  will also not count towards public charge.

Heartland Health Centers believes that health care is a human right and remains committed to your care. You and your family are welcomed at our locations regardless of your immigration status.

For more information on public charge see here.

Applying for Medicaid

To apply, you will need the following:

  • Picture ID
  • Social Security card (if available)
  • Immigration documents (if available)
  • Proof of Illinois address
  • Proof of income for the past 30 days, if any
  • Most recent income tax return (if available)
  • Proof of pregnancy, if applicable

If you have questions or would like to apply, please schedule an interview with one of our Certified Application Counselors by calling (773) 751-7062.


Employer-Based Coverage

Employees whose company offers a health care plan generally do not qualify for subsidies or discounts through the Marketplace unless the employee-only coverage is more than 9.59% of your estimated household income for the current year. Depending on income guidelines, employees whose companies offer a health care plan may also qualify for a free medical card through Medicaid. Medicaid would then become secondary insurance and pay for what private insurance does not cover.

Not seeing what you need? Do you have additional questions or are you ready to set up an interview? Please call us to discuss your health insurance options at (773) 751-7062