Illinois Health Insurance Coverage Varies

While it would be a great thing if everyone had healthcare insurance in the USA today, this just isn’t likely to happen anytime soon thanks to the economy.

It only makes sense to have healthcare insurance these days. However, not everyone is in the position to afford it, whether they are working or not. The high cost of healthcare is a Catch-22 situation.

The higher the costs go, the fewer people are able to afford medical care. And as luck would have it, those who need it the most are the ones who believe they cannot afford a premium of any type. In Illinois there may be an answer to this conundrum, as luckily the state has a wide variety of plans available for those in difficult circumstances.

While there isn’t exactly one stop shopping from carrier to carrier, the variety of types of health insurance plans to choose from does make a significant difference to those in need. For instance, people are able to choose short or long-term plans, plans for kids or the elderly, and plans for individuals and families.

This may sound like a bit of a no brainer, but many people just aren’t aware of what choices are out there. Some aren’t even aware that there are plans like Mediclaim offered by employers and/or group health plans for the very small business owner. Thankfully, Illinois has at least 10 top-flight “brand name” carriers who offer decent prices.

If a consumer is unable to go the private healthcare insurance route, the Illinois Department of Insurance offers public plans. The one most people are familiar is the Comprehensive Health Insurance Plan (CHIP). This is a state program for people who otherwise cannot be insured.

CHIP deductibles are fairly attractive and range from $500 to $5,000 on the different plans – Plan 2,3 and 5. This is not a chintzy program either and actually offers hospital services, second surgical opinions, meds, outpatient prescription drugs, emergency services, and hospice care among other things.

Of interest is that Illinois is the first state that is offering health coverage for all the children in the state – programs such as KidCare and FamilyCare. This isn’t to say that there may not be rules and exceptions in these programs, but they are infinitely preferable to not having any healthcare coverage. For instance, there are certain eligibility requirements for FamilyCare; e.g. the qualifying annual income is roughly $36,000 for a family with two adults and two children.

In all instances when health insurance is an issue, make certain to talk to a knowledgeable insurance broker. The time is now to get answers to tough insurance questions.

Randy Gillespie is with Illinois health insurance agency, Focus Insurance Group. To learn more about Illinois Medicare, health insurance, group health insurance or to get an Illinois health insurance quote, visit Focusinsgroup.com.

Tags: Illinois group health insurance, Illinois health insurance, Illinois health insurance quotes

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