Health Insurance

In recent years, the availability and affordability of health insurance has been the subject of much debate. But the hard truth is that about one out of seven Americans has no health insurance and for many who do have coverage, the cost of that coverage is an enormous financial strain. Illinois health insurance can no longer be considered a luxury; it is a necessity! As the cost of preventative care, emergency treatments, and prescription drugs continues to spiral out of control, people want and deserve a reliable source for Illinois health insurance quotes. They need look no further than insuranceUSA.com. Health insurance is simply a written policy which covers medical expenses, both routine and emergency. Today, many states are expanding their coverage to included both long-term care and disability.

In this information-filled article, you will find everything you need to know concerning the regulations of Illinois health insurance, both for individuals and small groups. You will learn the fundamental facts regarding COBRA coverage. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986 and is basically a plan which allows workers, who no longer have health insurance coverage due to the loss of employment, the right to maintain their group health insurance coverage for a limited amount of time and usually at their own expense.

You will also find interesting statistical information with which you can compare the health of fellow Illinoisns with the health of residents of other states.

This article will provide you with all the information needed about Illinois health insurance to make a shrewd and intelligent decision when choosing the insurance coverage which is right for your individual situation and needs. Once you have selected your options, insuranceUSA.com stands ready to provide you with health insurance quotes so that you can make your final decision with confidence!

Illinois Individual and Family Health Insurance
Illinois health insurance companies which offer individual or family health insurance policies are permitted to deny coverage to any person who has a pre-existing medical condition. If you have a pre-existing condition and are accepted for coverage, you can expect the premiums to be substantially higher than the ones for healthy individuals. Illinois health insurance companies may offer you a policy which contains a rider. This rider basically states that the insurance company is not obligated to pay any medical expenses you incur related to the pre-existing condition. Insurance companies are also allowed to impose waiting periods on pre-existing conditions, some for as long 24 months. They are not obligated to provide credit from prior health insurance coverage to this waiting period. They are also permitted to go back 5 years in your medical history to determine a pre-existing condition. Illinois health insurance companies are allowed to offer varying degrees health plans, which include premiums, covered services, deductibles, and co-payment amounts.

Illinois Group Health Insurance
Illinois health insurance is designed for groups, or companies, with more than 2, but no more than 50, employees. Under Illinois health insurance regulations, part-time employees and those who live outside of the insurance service area may not be eligible for coverage under the group plan. Those employees who do qualify for coverage will be guaranteed Illinois health insurance under the group insurance plan, no matter what your current health condition. The company that issues the Illinois health insurance does not decide on a waiting period before the coverage takes effect. Instead, any waiting period is decided on by the employer. Some group plans will exclude benefits for medical conditions you were treated for within the last six months prior to when their coverage begins. But, if that happens, there are certain types of insurance that that will continue to provide health care benefits for conditions that you were treated for while you were covered under one of their plans.

Illinois COBRA Insurance
COBRA insurance coverage, as outlined in Illinois health insurance rules, applies to companies that have 20 or more employees on staff. To make sure that Illinois health insurance is available to those who are between jobs, COBRA coverage can be applied for 18 months to those who meet eligibility requirements. There are certain exceptions to that time frame. Eligible dependents can be covered by COBRA for 36 months, and disabled people can keep coverage for 29 months. COBRA is an extension of your previous Illinois health insurance plan, and if your former employer decides to discontinue coverage for employees, your coverage will also end. Once COBRA benefits are ended, further Illinois health insurance can be obtained through the Illinois Comprehensive Health Insurance Association (ACHIA).

Illinois Health Information and Statistics
If you are in the market for quality Illinois health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Illinois ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Illinois are a low occupational fatalities rate, few poor mental and physical health days, and ready access to primary care. Illinois also faces many challenges, such as low immunization coverage, a high rate of preventable hospitalizations and a high prevalence of binge drinking.

According to a 2008 study, Illinois had some significant changes over the past year to include the percentage of children in poverty decreasing by 4% but immunization coverage also declining by 4%. Since 1990, the percentage of children in poverty decreased by 34% and the infant mortality rate also declined by 40%.

Following is a variety of statistical data related to living in Illinois, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Illinois health insurance.

  • Prevalence of Smoking-29th
  • Prevalence of Obesity-21st
  • Violent Crime-40th
  • Children in Poverty-20th
  • Air Pollution-44th
  • Cancer Deaths-35th
  • Lack of Health Insurance-24th
  • Prevalence of Binge Drinking-47th
  • Infant Mortality-32nd
  • Infectious Disease-38th
  • Premature Death-22nd

Overall Rank: 31st
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