GreatIllinois.com is focusing on complete services and information that related to Illinois with business, real estate, education, finance, local guide, travel, shopping, services, news & media, economy, science & environment.
  Home | About | Get Listed Here  

Illinois Health Insurance Plans Information

August 17th, 2013 1:40 am

The state of Illinois takes very good care of the insurance needs of its citizens. There are public as well as private insurance policies, with different options to suits all kinds of people and their requirements.

Illinois health insurance policies can be classified as PPOs, HMOs, traditional individual and family coverage, children’s health insurance plans, and insurance for people over 65 years of age. Some other specific plans are short-term health insurance, dental plans, Illinois HSA Qualified High Deductible Insurance Quotes Individual and Family, small group health insurance plans, senior health insurance, employer-based group health insurance plans, international travel health insurance plans, student health insurance plans, disability insurance, kid’s health insurance, and the CHIP (comprehensive health insurance program).

Illinois has special insurance polices such as Illinois Medicaid, KidCare, and Illinois Department of Aging – Pharmaceutical Assistance Program, for people who have been denied insurance by regular insurance companies. The Illinois CHIP (Comprehensive Health Insurance Plan) is a state program for people who qualify for coverage under sections 7 or 15 of the CHIP Act. There are three plans under this: Plan 2, Plan 3 and Plan 5. Each plan has deductibles of $500, $1,000, $1,500, $2,500, and $5,000. Plan 2 is available to eligible persons who are enrolled in both Parts A and B of Medicare due to disability or end-stage renal disease, since they are ineligible for all other CHIP benefit plans. Plan 3 is a Preferred Provider Organization (PPO) plan available only to eligible persons who qualify for traditional CHIP under Section 7 and are not eligible for Medicare. Plan 5 is also a PPO plan available only to federally eligible individuals who qualify for HIPAA-CHIP under Section 15.

Some companies are also offering the guaranteed acceptance medical plans for Illinois residents. The monthly premiums vary according to the age of the enrollee and the number of people being insured. The premiums range from $69.35 for a single 30-year old person to $506.23 for a family in which the enrollee is in the age group of 60-64 years. Other kinds of plans are short-term plans, group plans for employers, tax advantaged health savings accounts and Qualified High-Deductible Health Plans (HDHPs). Some of the most popular Illinois health insurance companies are: UniCare, Anthem, Blue Cross /Blue Shield of Illinois, Humana One, Fortis Short-Term Medical, Celtic, American Medical Security and Fortis Student Select.

While selecting a health insurance policy, understand various terms like the premium to be paid, the limits of liability, the coverage provided, the policy limits, benefits, deductibles, and terms of insurance. Other aspects include co-insurance, co-payments, out-of-pocket expenses, exclusions, lifetime maximum, waiting period, coordination of benefits, grace period and so on. The choice of doctors, specialist care, pre-existing conditions, emergency and hospital care, regular physicals and health screenings, prescription drug coverage, obstetrician/gynecologist coverage, costs and additional services should also be considered. Also get to know the policy’s coverage for planned hospitalizations as well as emergency care.

Illinois Health Insurance

May 7th, 2013 4:27 am

The increasing costs of health care have made health insurance an absolute necessity. Health insurance is more useful for people who have bad health records, addictions like alcohol or smoking ,or who are likely to have future health problems. But everyone should have a health insurance policy to meet any kind of a health care need in the future.

There are many different kinds of Illinois health insurance plans available today, to suit all kinds of people and their requirements. There are plans from private insurance companies. Some are long-term plans, while others are short-term plans. Some plans are suitable only for children or the elderly. There are also group plans and schemes such as Mediclaim provided by employers, and group health plans for very small businesses. Then there are plans which allow tax deductions and savings. The top Illinois health insurance companies are: UniCare, Blue Cross/ Blue Shield of Illinois, Humana One, Fortis Short-Term Medical, Celtic, American Medical Security, MedPlan Access, Genesis Health System, GE Long Term Care Insurance, and Fortis Student Select Health Insurance.

The Illinois Department of Insurance provides several public plans for people who cannot be covered under private polices. The Illinois Comprehensive Health Insurance Plan (CHIP) is a state program that provides insurance to thousands of individuals who cannot be otherwise insured. The various deductible options under CHIP are: $500, $1,000, $1,500, $2,500, and $5,000. The different plans under this are Plan 2, Plan 3 and Plan 5. CHIP covers hospital services, professional medical services, second surgical opinions, outpatient prescription drugs and medicines, Orthoses or prostheses other than dental, diagnostic services, emergency services, skilled nursing facility care, home health care, hospice care and many others, depending upon the plan.

Illinois has special programs like KidCare and FamilyCare. Illinois is the first state to offer health insurance coverage for all the children in the state. The FamilyCare health insurance program covers all medical care, including doctor visits, dental care, hospital care, emergency care, specialty medical services, prescription drugs and others. The family has to meet certain limits to be eligible for this scheme. The qualifying annual income is up to 185% of the federal poverty level, or about $36,000 for a family of four. FamilyCare Assist, FamilyCare Share, FamilyCare Premium and FamilyCare rebate are the plans under this, depending upon the family income. The family can pay small monthly premiums ranging between $15 and $40, depending upon the number of family members. The state of Illinois offers a “safety net” program for individuals who have been denied health insurance. Those who are currently insured but are paying a higher premium, or those whose present insurance has a rider attached or is rated, are also eligible to apply.