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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
UNICARE.

 

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