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Illinois Health Insurance
Health insurance is now usually available in two main categories:
individual and group.
Individual insurance is useful mainly for those who are self-employed,
or are employed by a company that does not offer a health plan,
or if they have a family and want individual insurance for family
members. After purchasing an individual plan, you have to pay a
yearly premium as well as a deductible for each insured dependent,
up to a base amount. In the case of buying a group policy, you are
required to pay an annual premium, co-payments payable at each medical
service, and a deductible payable before insurance begins issuing
money for your valid medical bills.
In Illinois, insurers enjoy the right to reject individual health
insurance applications of persons having health problems. The companies
can also apply elimination riders for pre-existing conditions as
well as exclusion periods not exceeding one year. If you make a
claim within the first 24 months of new coverage, your insurer can
review your medical records for the previous 24 months before coverage
started, looking for pre-existing conditions related to the claim.
If they can find one, they can refuse to pay that claim. Pregnancy
can be treated as a pre-existing condition in Illinois. If your
application is honored, there are no curbs on the cost of the policy.
But it cannot be cancelled on the ground of your illness.
In Illinois, group health insurance cannot be turned down because
of health conditions of employees within your group. You cannot
also be charged a higher premium. New employers can require a waiting
period before you are offered group coverage. In case you have a
pre-existing condition, your insurer can impose an exclusion period
not exceeding 12 months for the problem before the group coverage
becomes effective, with credit for creditable continuous coverage.
It should be remembered that even if you have had continuous coverage,
you may still have an exclusion period if the new insurance covers
additional benefits. In Illinois, some authorities can withhold
health protections from their employee groups. So it is better if
you contact your employer to check on your possible inclusion.
Small businesses applying for group health coverage cannot be refused
or cancelled because of illness within the employee group. Policy
costs can, however, rise due to certain characteristics of the group.
In Illinois, the self-employed are not allowed to purchase group
health coverage. You can get in touch with the Illinois Department
of Insurance for rules relating to enrollment with professional
associations that offer group health coverage.
Illinois Comprehensive Health Insurance Plan is available for eligible
residents. Those who have had group coverage for at least three
months and then lose it are guaranteed conversion plan. Medicaid
and KidCare are available for low- to moderate-income persons.
For choosing the right health insurance quotes, you should either
do some homework or appoint professional health insurance agents
and brokers who are experts in this field.
Health insurance providers in Illinois include Aetna, American
Medical Security, Assurant Health (formerly Fortis), BlueCross BlueShield
of Illinois, Celtic, Fairmont Specialty Group, Golden Rule, Guardian,
Humana, Midwest Security, Security Life and