We are here to provide you, our customer, with everything you need to make an educated decision relative to your new Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Illinois and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
We are here to provide you, our customer, with everything you need to make an educated decision relative to your new IL Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Illinois and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
Illinois State Health Insurance Laws
It is important to understand Illinois health insurance regulations before applying. Illinois does not require insurance companies to accept your application if you have an existing medical condition. The companies have the ability to attach an elimination rider to your medical policy specific to the pre-existing condition. Insurance companies do not have to give "credit" for prior coverage. There are no limits on the monthly premiums that health carriers can charge, in Illinois, for a health plan or on increases at the time of renewal. No Illinois Insurance Company can cancel you after you become sick as long as all premiums are paid to date.
Illinois is very concerned with making sure all children in the state have access to affordable health insurance and
Illinois Comprehensive Health Insurance Plan (CHIP) is the high risk pool that the state has designed to help insure the residents who are not able to get individual health insurance due to medical conditions etc.
Like many other residents of Illinois, you might find yourself on COBRA and not know what to do. COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985. In short this allows Illinois Residents to continue getting their Illinois Group Health Insurance even if they are not employed by their employer anymore. Illinois COBRA Health Insurance is similar to most other states in the fact it only lasts for 18 months, in most instances.
Many college students find themselves paying a lot for Illinois Student Health Insurance. This does not have to be the case. It does not matter if you go to Illinois State University, Midwestern University, Northwestern or any other school, we can help you find an affordable student health policy. There are certain requirements Illinois has for it’s student health insurance policies, but for the most case IL Student Health Insurance is very affordable. To get a quote just click here!
Illinois Short Term Health Insurance
Short Term Health Insurance can be very useful if you are in-between jobs, just graduated college, or just started a job that has a 3+ month waiting period before you are eligible for benefits. Illinois Short Term Health Insurance is very affordable and very easy to apply for. For a quote just click here!
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We understand health insurance premiums continue to skyrocket! If you are a relatively healthy individual, or family, we recommend taking a high deductible plan and paying for the smaller medical expenses out of your pocket. In the short term it might seem like not a great idea, but over the long term most people find themselves saving money year after year.
Still have questions? Please fill out our contact form and a licensed Illinois Health Insurance Professional will contact you.
Not ready to buy but want to stay in contact with us? Input your email address below and we will send you our contact information automatically so you will always be able to come back with questions or to sign up for a policy.
Top Rated Illinois Health Insurance Companies
Blue Cross Blue Shield of Illinois – Blue Cross Blue Shield was founded in 1937. Currently Blue Cross Blue Shield of Illinois insures 1.75 million people through their wide range of products; medical, life, and disability. Every BCBS is an independent corporation and Blue Cross Blue Shield of Illinois is just one of 48.
Golden Rule – Golden Rule actually underwrites United Health Cares policies. Golden Rule works exclusively on the individual and group medical markets. It is hard to find a stronger rated company. AM Best rated them (A) for "excellent" and Standard and Poor’s gave them a (A+) which represents "strong".
Humana – Is one of the largest publicly traded health insurance companies in the country. Currently Humana insures about 6.7 million members across the country and in Illinois. Not only does Humana offer Health insurance in Illinois, they also offer dental, disability and life insurance. But they specialize in large groups as well as for the individual group market.
Coventry – also known as Coventry Health Care of Illinois, has been in business since 1988. They are a unique health insurance company because they specialize in offering Illinois residents self employed health insurance as well as short term health insurance. Currently their network includes over 210 hospitals in the area.
Celtic – Celtic originally started out as a Group Health Insurance Provider in early 1978. Slowly they began focusing more and more on the individual health market, and currently today they exclusively provide individuals medical insurance.
Celtic is known as a conservative company, with high ratings, and great customer service. They have had an Excellent (A-) rating from AM Best since 1986. With a conservative outlook, a focus on a specific medical market (individual health) and strong customer service, it is no wonder why Celtic is a strong player in Illinois!
