Illinois Low-Income Insurance

Just because a family has a low income doesn’t mean they cannot get affordable insurance. There are a number of viable options open to them.

Illinois is blessed with a fair number of low-income government health insurance plans and that is good news if you live in the state of Illinois. The choice is actually far more ranging than one could imagine and includes private and government plans.

Considering the number of people in Illinois (it’s one of the largest states in the U.S. with about 12 million people) it should come as no surprise that healthcare insurance is a major concern for everyone.

It’s common knowledge healthcare expenses are rising and do not show any signs of slowing down. The only way to deal with the rising costs at this point is to make sure a family or individual is insured. The major question is how to accomplish that if there is no money or no extra money for healthcare.

This is where the state of Illinois has stepped up to the bat and introduced some major programs for those in need. Children are able to find good coverage through the Illinois Department of Health Care and Family Services under the auspices of the Illinois Covered program.

Illinois Covered allows more than 1.4 million uninsured people to get healthcare insurance. It’s a fairly straightforward program with different categories that depend on eligibility requirements. Qualifying isn’t a huge issue and the program is also fairly flexible.

FamilyCare’s main focus is providing coverage for those who rank below the 185% of the poverty line – roughly $40,000 a year for a family of four. There are some rumors floating around that the government wants to raise this level to 400% and that would mean more people would qualify.

FamilyCare offers hospital care, dental, doctor visits and prescriptions with a small co-pay of roughly $5.00. The premiums may run around $15 to $40 depending on the number of family members covered.

The other program just for kids is Health Care for Kids, launched in 2006. This program is for children ages 18 and under. Again there is some consideration to offering coverage to young adults up to the age of 21 years.

The latest election results may make a difference in how some of these plans are administered or whether their bases may be expanded. However, talking to a licensed and qualified health insurance broker who knows the system would be the first place to start the journey to secure affordable healthcare.

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 health insurance, Illinois health insurance quotes

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