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Health Insurance Information

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Illinois Health Insurance

 

All health insurance policies in Illinois are considered guaranteed renewable as long as your premiums are paid up to date.  So this means your health insurance can not be canceled because you become sick.

 

Illinois mandates that health insurance companies cover newborns and adopted children for the first 31 days, on their parent’s policy.  But inversely pregnancy is, and can be considered a pre-existing condition, except on group health policies.  Pregnancy is a pre-existing condition but not on group health insurance.

 

Illinois has a high risk pool called CHIP.  This stands for Illinois Comprehensive Health Insurance Plan.  If you are HIPAA eligible you will be issued a policy on a guaranteed issue basis.  If you are not HIPAA eligible you will have up to a 12 month pre-existing waiting period added to your policy.

 

The Illinois Department of Insurance has a special Health Insurance Division that should be visited for additional information.

 

                              Request an Illinois Health Insurance Quote

 

 

Illinois Small Business Health Insurance

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In Illinois, a group health plan, can not base your health insurance premiums on your health.  This is called non discrimination.  Small Business Health Insurance in Illinois is also guaranteed issue, meaning that you can not be turn down for coverage.

 

A great benefit Illinois provides it's small businesses is that it limits the amount of money premiums can vary due to health status.  It also limits the amount of money

premiums can go up at the time of renewal.

 

Pre-existing conditions, under small business health insurance plans, can only be considered if treatment was received or recommended 6 months before you started the plan.  Pregnancy is not considered a pre-existing condition.  The longest period for a pre-existing exclusion clause is 12 months.

 

All pre-existing clauses can only be applied after the appropriate notice has been sent to the proposed insured.

 

Illinois does limit the amount of variation between premiums of different group health plans.  Each Small Business Plan will have certain enrollment periods in which employees can sign on to get coverage.

 

For additional information about Small Business Health Insurance in Illinois click here.

 

                              Request an Illinois Small Business Health Insurance Quote              

 

 

Illinois Individual Health Insurance

 

All Illinois Health Insurance Policies have to cover disabled children on their parent’s policy into their adulthood.

 

In Illinois, insurance companies are able to decide if they want to insure you or not.  They can either rate you up or just refuse coverage.  Also Illinois does not mandate what you buy, so insurance companies are able to design specific policies for specific consumers, rather than make insurance companies offer similar policies.

 

Illinois allows health insurance companies to include pre-existing conditions and these are the two ways they can do it:

-         With an Elimination Rider which basically changes the policy to deny coverage of anything to do with the pre-existing condition.

-    With a Pre-Existing period, this can not be more than 24 months.

 

Unlike small group insurance, insurance companies do not have to give you credit for any prior insurance you had.  Pregnancy can be considered a pre-existing condition but genetic information can not.

 

The rates that an individual pays for an Illinois Health Insurance Plan are based on age, location, health history, family size, sex etc.  Sadly there is no limit on how much an insurance company can charge and individual for coverage.

 

Kid Care was a program started a few years ago to insure Illinois's uninsured child population.  It is a great program and you should visit the site to get more information.

 

For additional information about Individual Health Insurance in Illinois click here.

 

                              Request an Illinois Individual Health Insurance Quote

 

 

Illinois Self Employed Health Insurance

 

In Illinois, you are not able to buy a self employed health insurance policy.  Since you do not qualify for Small Business Health Insurance, self employed people are treated like individuals are in Illinois.  Therefore self employed people are protected under the laws and regulations individual health insurance plans cover.

 

Another option for affordable Illinois Self Employed Health Insurance is often associations or self employed groups.  Just keep in mind that not all of these groups, or associations are regulated by the state.

 

One benefit for Self Employed people is that they are able to deduct 100% of their health insurance premiums from their taxes!

 

For additional information about Self Employed Health Insurance in Illinois click here.

 

                               Request an Illinois Self Employed Health Insurance Quote

 

 

Temporary Illinois Health Insurance

 

Many situations may arise where you find yourself without health insurance, or about to be without health insurance.  These reasons could range from graduating college to being in-between jobs.  Instead of going without health insurance you should look into getting an Illinois Temporary Health Insurance Policy.  These policies will be cheap, with high deductibles and low coverage, but getting an Illinois Temporary Health Insurance Policy is much better than going with out health insurance. 

 

In Illinois, Temporary Health Insurance in not guaranteed renewable.  This is something that should not be taken lightly.  In short this means that when you are reapplying for your temporary insurance, the insurance company can raise your premiums, or even refuse coverage.

 

For additional information about Temporary Health Insurance in Illinois click here.

 

                              Request an Illinois Temporary Health Insurance Quote

 

 

What types of Illinois Health Insurance are there?

 

HMO- Health Maintenance Organization.  This type of insurance is called managed care.  This means you have certain network of doctors and hospitals in Illinois that you have to go to for care.  Most Illinois HMO’s have office visit co-payments that range from $10 to $35, and hospital deductibles that range from $250 to $1,500.  Often the most affordable health insurance plans are HMO’s due to the fact they are managed care.

 

PPO-Preferred Provider Organization.  This type of insurance is also called managed care but it gives the consumer much more freedom; they allow you to visit any doctor or hospital in or out of network.  Most Illinois PPO’s have an in network and an out of network charge.  If the in network co-insurance is 100% then the out of network co-insurance would be 80%.  If the in network co-insurance is 90% then the out of network co-insurance would be 70%   Typically Illinois PPO’s offer co-payments for doctor visits as well as hospitalization. 

 

Indemnity Plan - In Illinois, as health insurance rates continue to rise, many people are finding it more affordable to drop their health insurance and buy a Illinois Major Medical Health Insurance Plan.  An Indemnity plan can also be called a major medical plan or catastrophic health insurance.  Whatever you call it, typically an Illinois Indemnity Plan would cover more “major” claims.  An Indemnity plan has an annual deductible and will usually allow you to pick different co-insurance options.  Indemnity plans allow you access to any doctor or hospital, and for this reason they are typically very expensive.

 

Discount Medical Plans – In recent years many Discount Medical Plans have started to surface.  These plans have relatively inexpensive, but consumers must realize that this is not insurance.  All these companies do is to get their customers discounted rates (20-50% off) on certain procedures at certain physicians and hospitals. 

 

Federal Mandated Health Insurance Laws

 

HIPAA

Along with Illinois Health Insurance Laws, there are Federal Laws that regulate Health Insurance companies.   HIPAA (Health Insurance Portability and Accountability Act of 1996). This act mandated federal standards for individual and group health insurance plans.  Some of the standards that it established were relative to guaranteed renew ability, crediting for prior health coverage and pre-existing condition waiting periods.

 

ERISA

Large corporations do not have health insurance policies.  Typically they are self funded, meaning the corporation pays for all of their employee’s medical bills instead of buying health insurance.  Most of these “self funded” companies are regulated by the federal government under ERISA (Employee Retirement Income Security Act)

 

COBRA

In Illinois it is mandated, by the state, that all companies that offer an Illinois Group Health Insurance Policy must also enable their employees to extend their health coverage temporarily; called Cobra.  An Illinois Cobra Insurance is typically available for a time period under 18 months.   In Illinois you are given 60 days to decide if you are going to take Illinois Cobra Insurance or not.  Once you have passed on the opportunity to take Cobra, you are not eligible to receive it.

 

Cobra Insurance was introduced in 1985.  Cobra stands for Consolidated Omnibus Budget Reconciliation Act.  If you would like more information about your Cobra Insurance options please contact your companies HR department.

 

Often employees are surprised at the cost of an Illinois Cobra Insurance.  The reason for this is that they are now responsible for 103% (100% of the premium plus a 3% administration fee) of a monthly health insurance premium when they probably only paid 20% while employed. 

 

Whether nor not to take Cobra is an important question, and you should realize there are alternatives to an Illinois Cobra Insurance Policy.  One should realize what they plan to do in the future.  If you are looking for another job, and it will be a few months before you get a job, it might make sense to look for an Illinois Temporary Health Insurance Plan.  If you are contemplating working at a consultant, it would be in your best interest to look into an Illinois Self Employed Health Insurance Policy.   

 

 

                           Request a Health Insurance Quote from one of QuicklyQuoteMe’s Agents

 

 

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