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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


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Help for those who can't get health insurance in Illinois and Chicago

Illinois Comprehensive Health Insurance Plan -- The Illinois Managed Risk Medical Insurance Board helps those who cannot qualify for individually-underwritten plans because of pre-existing conditions, find coverage through a state pool.


If you think Illinois can do better in health insurance for its citizens then contact the following:

If you think America should have universal health care for its citizens then tell your elected representatives in Washington, DC

Health Insurance Information on official Illinois Goverment Sites

State of Illinois Official Web Site – Official government Web site.

Illinois Kid Care -- State program that offers health care coverage to children, pregnant women and their babies or helps in paying premiums of employer or private health insurance plans.

Health Care Information from the State of Illinois – Resources that provide specific resources on Illinois health -- from Living in Illinois government Web site.

SeniorCare Illinois -- RX help for senior citizens in Illinois.

Advocacy for Health Care and Medical Insurance Issues in Illinois

Illinois Attorney General Lisa Madigan - Health care assistance for denial of insurance benefits, slow pay on claims, claims partially cancelled, etc.

Health insurance can be purchased in these Illinois Cities: Abingdon, Albion, Aledo, Altamont, Alton, Amboy, Anna, Arcola, Ashley, Assumption, Athens, Atlanta, Auburn, Aurora, Ava, Barry, Batavia, Beardstown, Belleville, Belvidere, Benld, Benton, Berwyn, Bloomington, Blue Island, Braidwood, Breese, Bridgeport, Brookport, Bunker Hill, Burbank, Bushnell, Byron, Cairo, Calumet City, Canton, Carbondale, Carlinville, Carlyle, Carmi, Carrollton, Carterville, Carthage, Casey, Centralia, Centreville, Champaign, Charleston, Chenoa, Chester, Chicago, Chicago Heights, Chillicothe, Chrisman, Christopher, Clinton, Coffeen, Colchester, Collinsville, Colona, Columbia, Country Club Hills, Countryside, Creal Springs, Crest Hill, Crystal Lake, Cuba, Dallas City, Danville, Darien, Decatur, DeKalb, Delavan, Des Plaines, Dixon, Du Quoin, Earlville, East Dubuque, East Moline, East Peoria, East St. Louis, Edwardsville, Effingham, Eldorado, Elgin, Elmhurst, Elmwood, El Paso, Eureka, Evanston, Fairbury, Fairfield, Fairview Heights, Farmer City, Farmington, Flora, Freeport, Fulton, Galena, Galesburg, Galva, Geneseo, Geneva, Genoa, Georgetown, Gibson City, Gillespie, Gilman, Girard, Golconda, Grafton, Grand Tower, Granite City, Grayville, Greenfield, Greenville, Griggsville, Hamilton, Harrisburg, Harvard, Harvey, Havana, Henry, Herrin, Hickory Hills, Highland, Highland Park, Highwood, Hillsboro, Hometown, Hoopeston, Hurst, Jacksonville, Jerseyville, Johnston City, Joliet, Jonesboro, Kankakee, Keithsburg, Kewanee, Kinmundy, Knoxville, Lacon, La Harpe, Lake Forest, Lanark, La Salle, Lawrenceville, Lebanon, Leland Grove, Le Roy, Lewistown, Lexington, Lincoln, Litchfield, Lockport, Loves Park, McHenry, McLeansboro, Macomb, Macon, Madison, Marengo, Marion, Markham, Maroa, Marquette Heights, Marseilles, Marshall, Martinsville, Mascoutah, Mason City, Mattoon, Mendota, Metropolis, Minonk, Moline, Momence, Monmouth, Monticello, Morris, Morrison, Mound City, Mounds, Mount Carmel, Mount Carroll, Mount Olive, Mount Pulaski, Mount Sterling, Mount Vernon, Murphysboro, Naperville, Nashville, Nason, Nauvoo, Neoga, New Boston, Newman, Newton, Nokomis, North Chicago, Northbrook, Northlake, Oakbrook Terrace, Oak Forest, Oakland, O'Fallon, Oglesby, Olney, Oneida, Oregon, Orient, Ottawa, Palos Heights, Palos Hills, Pana, Paris, Park City, Park Ridge, Paxton, Pekin, Peoria, Peru, Petersburg, Pinckneyville, Pittsfield, Plano, Polo, Pontiac, Princeton, Prophetstown, Prospect Heights, Quincy, Red Bud, Robinson, Rochelle, Rock Falls, Rockford, Rock Island, Rolling Meadows, Roodhouse, Rosiclare, Rushville, St. Charles, St. Elmo, St. Francisville, Salem, Sandwich, Savanna, Sesser, Shawneetown, Shelbyville, Silvis, South Beloit, Sparta, Springfield, Spring Valley, Staunton, Sterling, Streator, Sullivan, Sumner, Sycamore, Taylorville, Toluca, Toulon, Trenton, Troy, Tuscola, Urbana, Vandalia, Venice, Vienna, Villa Grove, Virden, Virginia, Wamac, Warrenville, Warsaw, Washington, Waterloo, Watseka, Waukegan, Waverly, Wenona, West Chicago, West Frankfort, West Peoria, Wheaton, White Hall, Wilmington, Winchester, Windsor, Witt, Wood Dale, Wood River, Woodstock, Wyoming, Yorkville, Zeigler and Zion.

Health insurance can be purchased in these Illinois Counties: Adams County, Alexander County, Bond County, Boone County, Brown County, Bureau County, Calhoun County, Carroll County, Cass County, Champaign County, Christian County, Clark County, Clay County, Clinton County, Coles County, Cook County, Crawford County, Cumberland County, De Kalb County, DeWitt County, Douglas County, Du Page County, Edgar County, Edwards County, Effingham County, Fayette County, Ford County, Franklin County, Fulton County, Gallatin County, Greene County, Grundy County, Hamilton County, Hancock County, Hardin County, Henderson County, Henry County, Iroquois County, Jackson County, Jasper County, Jefferson County, Jersey County, Jo Daviess County, Johnson County, Kane County, Kankakee County, Kendall County, Knox County, La Salle County, Lake County, Lawrence County, Lee County, Livingston County, Logan County, Macon County, Macoupin County, Madison County, Marion County, Marshall County, Mason County, Massac County, McDonough County, McHenry County, McLean County, Menard County, Mercer County, Monroe County, Montgomery County, Morgan County, Moultrie County, Ogle County, Peoria County, Perry County, Piatt County, Pike County, Pope County, Pulaski County, Putnam County, Quad Cities, Randolph County, Richland County, Rock Island County, Saint Clair County, Saline County, Sangamon County, Schuyler County, Scott County, Shelby County, Stark County, Stephenson County, Tazewell County, Union County, Vermilion County, Wabash County, Warren County, Washington County, Wayne County, White County, Whiteside County, Will County, Williamson County, Winnebago County and Woodford County



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