Medical Coverage

What will you pay for your medical plan?

Your medical premiums depend on the plan you choose, the coverage level you elect, and your full-time or part-time status. Payroll deductions are standard across the Endeavor Health system; you pay the same regardless of your role or where you work.

2025 medical bi-weekly payroll deductions

* Payroll deductions for FT and PT1 employees on the Endeavor Health Plan are identical.

Network & Providers

Our medical plans center care around Endeavor Health facilities, providers, and services. The Endeavor Health Plan gives you best-in-class care at Endeavor Health at the lowest cost to you. You can also choose to enroll in one of our national-network plans, which give you access to the full Cigna Network at a higher cost.

The Endeavor Health Network:

Endeavor Health is the third largest healthcare delivery system in Illinois with nine hospitals, nearly 2,300 licensed beds and over 6,700 physicians and advanced practice providers at more than 300 local sites of care. The system serves 4.2 million residents across six northeast Illinois counties from Lake County to Will County.

This system drives our plans. All three of our medical plans have enhanced coverage within the Endeavor Health Network, which also includes Duly Health and Care, Cigna Behavioral Health Providers, pediatric care through Advocate providers and facilities, and adult specialty care at UChicago Medicine. Except for emergencies, the Endeavor Health Plan only covers care within the Endeavor Health Network.

System Hospitals Include:

• Edward Hospital
• Elmhurst Hospital
• Evanston Hospital
• Glenbrook Hospital
• Highland Park Hospital
• Linden Oaks Behavioral Health
• Northwest Community Healthcare
• Skokie Hospital
• Swedish Hospital

National Cigna Network

The High Deductible Health Plan (HDHP) and the Exclusive Provider Organization (EPO) Plan give you access to the Cigna Open Access Plus (OAP) Network, as well as the Cigna Behavioral Health Network.

The Cigna Network covers providers, hospital facilities, urgent care centers, labs, imaging, and more across the United States. No matter where you live, there are providers near you. Visit the websites on this page to find the services you need.

Out-of-Network Care Is Not Included

All three medical plans cover medical care received within the Endeavor Health Network; the High Deductible Health Plan (HDHP) and the Exclusive Provider Organization (EPO) Plan also give you access to the Cigna Network. 

In all three plans, you will pay out of pocket for out-of-network care, except for medical emergencies!

Deductibles Explained

Deductibles do not always work the same. If you cover just yourself as the subscriber, it’s straightforward and they work the same no matter which plan you choose. When you cover other family members, there are some differences from plan to plan that are important to know about.

Endeavor Health and EPO Plans (embedded deductible):

Expenses for each covered family member are based on the individual amount. When one person meets the individual deductible, the health plan begins paying its share of expenses for just that family member. When several different family members have each paid enough in individual deductibles that, added together, the family deductible has been met, the plan begins paying its share of the health care expenses for the entire family.

For example, if you have a $2,000/$4,000 (single/family) embedded deductible, here’s how your plan would work:

HDHP (true family deductible): 

The combined total of the family’s expenses must be met for the health plan to cover its share of the expenses for the entire family. If one member of the family has health care expenses high enough to meet the family’s deductible, the plan will pay its share of expenses for the entire family even though only one family member met the deductible.

For example, if you have a $2,000/$4,000 (single/family) aggregate deductible, here’s how your plan would work: