Patient and therapist work on bike training


Accepted Insurance

Patient Financial Services


Managed Care



Hospital and insurance billing can be confusing for patients and their families. At Shirley Ryan AbilityLab, we try to make it easy to understand and work with you every step of the way. 

Below is a list of the most common insurance plans for which we are in-network providers. We encourage you to contact your insurance company (or an insurance company you are considering) directly to verify whether Shirley Ryan AbilityLab is in-network for your particular plan.

If your plan is out of network, there still may be opportunities for you to access care at Shirley Ryan AbilityLab, either through out-of-network benefits, or through an arrangement between Shirley Ryan AbilityLab and your insurer for your particular case. Please call our Managed Care Department at 312-238-4556 to discuss these options.

Shirley Ryan AbilityLab defines in-network to mean our physician group, clinics and hospital has negotiated a contracted rate with your health insurance company, leaving you with less out-of-pocket expense versus out-of-network treatment. Even if in-network, certain services may require pre-authorization from your insurance company.  Please check with your insurer for additional details. Out-of-network means that our physician group, clinic and hospital does not have a contract with your health insurance company leaving you with potentially higher out-of-pocket expenses.

If you are uninsured or under-insured, contact our Patient Financial Services Department at 312-238-6039 to determine whether you qualify for financial assistance or other discounts.

Accepted Insurance Plans


Shirley Ryan AbilityLab participates with the following health plans:

PPO Networks

  • Aetna OAP & QCHP State of Illinois
  • Aetna PPO & EPO (& Meritain Health An Aetna Company)
  • Aetna Illinois Preferred
  • Blue Advantage Entrepreneur (small employer groups 2-50)
  • Blue Cross Blue Shield of Illinois BlueChoice PPO
  • Blue Cross Blue Shield of Illinois PPO
  • Blue Cross Blue Shield of Illinois PPO Blue Edge 
  • Blue Cross High Performance Network
  • BluePrint PPO
  • Cigna PPO & EPO
  • Cigna Local Plus
  • Cofinity PPO
  • Evolutions Health Systems PPO (Evolutions Select product only)
  • First Health/ Personal Care PPO
  • Health Alliance Medical Plans
  • Health Link
  • Humana PPO (all products)
  • Multiplan/Private Healthcare Systems (PHCS, Beech Street PPO, Integrated Health Plan Inc.)
  • Out of State Blue Cross Blue Shield plans (Shirley Ryan AbilityLab will bill the local plan who then submits a claim to your national plan)
  • UnitedHealthCare (UHC Choice, UHC Choice Plus, UHC Consumer Driven, UHC PPO, The Options PPO, Non Differential PPO)


  • Aetna HMO State of Illinois
  • Aetna Open Access HMO
  • Blue Advantage HMO
  • Blue Care Direct HMO-Advocate
  • Blue Precision HMO
  • Health Alliance Medical Plans
  • Health Link HMO
  • HMO of Illinois (HMOI)
  • Humana National HMO
  • Humana IL Platinum HMO
  • First Health/Personal Care: HMO
  • Union Health HMO
  • United Healthcare Choice HMO / Choice Plus HMO

Shirley Ryan AbilityLab contracts with various independent physician associations (IPAs) who have relationships with Humana HMO, HMO Illinois and Blue Advantage HMO. Please check with your IPA for further information related to their relationship with Shirley Ryan AbilityLab. Shirley Ryan AbilityLab’s Prosthetics & Orthotics Department is not contracted with the HMO Networks of Blue Cross and Blue Shield of Illinois, (i.e. HMO Illinois, Blue Advantage HMO, Blue Precision HMO, Blue Care Direct and Blue Focus Care).

POS plans

  • Aetna Choice
  • Aetna Choice POS II
  • Aetna Open Access Managed Choice
  • Aetna Manaed Choice Open Access POS
  • Aetna POS II Managed Choice Quality Point of Service (QPOS)
  • Cigna POS
  • First Health / Personal Care POS (purchased by Aetna April 2013)
  • Health Alliance Medical Plans
  • Humana POS

Medicare Advantage Plans

  • Aetna Medicare Advantage (All Plans)
  • Aetna Medicare Assure Premier Plan (HMO D-SNP)
  • BCBS IL Medicare Advantage PPO
  • BCBS Medicare Supplemental Network
  • Cigna-HealthSpring True Choice PPO
  • Cigna-HealthSpring Advantage, Preferred & Premier HMO
  • Community Care Alliance of Illinois (CCAI, NFP Community Advantage HMO and Clear Spring Health)
  • Community Care Alliance of Illinois (CCAI, NFP Community Flex-Plan HMO-POS and Clear Spring Health)
  • Health Alliance Medicare Advantage (All Plans)
  • Humana Medicare Choice Care PPO
  • Humana Medicare (Employer PPO)
  • Humana Medicare Gold HMO
  • Humana Medicare Gold Plus HMO
  • United Healthcare Medicare Advantage

Governmental Plans

  • Aetna Better Health of Illinois (Medicaid)
  • Aetna Better Health MMAI
  • Blue Cross Community Options (Integrated Care Plan) ICP
  • Blue Cross Community Options (Family Health Plan) FHP
  • Blue Cross Community Options (Medicare-Medicaid Plan) MMAI
  • County Care Health Plan
  • Humana Dual Eligible (Medicare & Medicaid) including Gold Plus plans
  • Illinois Department of Public Aid (IDPA, Medicaid)
  • Jesse Brown VA Department of Veterans Affairs
  • Medicare
  • Meridian Health Plan of Illinois Dual Eligible (Medicare - Medicaid MMAI)
  • Meridian Health Plan of Illinois Integrated Care Plan (ICP / Family Health Plan - Accountable Care Act Plans)
  • Meridian Total
  • Tricare East Region (Active Duty Military) Humana Military
  • United Healthcare MMAI Duals
  • Veterans Affairs Community Care - VA CCN Optum
  • Veterans Choice Program - Health Net Federal Services
  • Independent Practice Association (IPAs) through HMO Illinois, Blue Advantage HMO and Humana Commercial HMO

Patients with insurance plans that are not on Shirley Ryan AbilityLab's Accepted Insurance list may contact their insurance company directly to learn more about their insurance out-of- network benefits at Shirley Ryan AbilityLab.

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