Illinois Health Insurance
For Illinois residents, health insurance is the most logical method of keeping health care costs reasonable and predictable. A health insurance policy will give you the ability to pay a fixed premium in exchange for reliable care.
There are several factors to consider when choosing a health insurance policy that is right for you and your family. Here you’ll be able to get the information you are looking for while searching for health insurance in Illinois. You can also research important Illinois health insurance laws and regulations, high risk pools, and information on financial assistance.
Why not start your search today for Illinois health insurance by completing our simple form below? It’s free, it’s easy, and it will provide you with enough information to make an educated decision.
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Illinois Health Insurance Stats
Total Illinois Residents: 12,743,300
Illinois Health Care Expenditures (in millions): $87,112
Median Annual Household Income: $52,801
Households with at least 1 Full Time Worker: 5,955,300
Illinois Health Insurance Coverage based on Total Population:
- Employer: 50%
- Individual: 5%
- Medicaid: 17%
- Medicare: 13%
Avg. Monthly Illinois Individual Premiums: $203
Total Illinois HMO Enrollment: 1,441,086
For more information on Illinois, view additional details on Chicago health plans.
There are several Illinois health insurance laws and regulations that protect policyholders living in the state.
All Illinois health insurance plans under state laws must cover certain medical care services. Those medical services include:
- Screening for breast, cervical, colorectal, and prostate cancer
- Certain diabetes-related care
- Continuity of care for pregnant women
Illinois health insurance law also requires mental health parity, which means mental health conditions must have the same coverage limits and maximums as physical conditions.
In addition, state law requires all Illinois health insurance plans to be guaranteed renewable no policy can be cancelled because a policyholder ages or becomes sick. For managed care Illinois health insurance plans such as HMOs and PPOs, however, residents must stay in their service area to have guaranteed renewable coverage.
There are a few different public Illinois health insurance programs to assist low-income residents in getting access to insurance coverage and health care. These programs include:
The Medicaid program in Illinois provides health care for some low-income residents and those with very high medical bills. To learn more and see if you qualify for Medicaid coverage, visit http://www.hfs.illinois.gov/.
- Illinois Comprehensive Health Insurance Plan (CHIP)
If any Illinois resident is turned down for health insurance coverage because of a pre-existing condition, they may be eligible for the CHIP program. CHIP offers a managed care PPO plan. Learn more about Illinois health insurance program for children, CHIP, on its website.
- Illinois All Kids Program
The Illinois All Kids program includes KidCare for children and pregnant women and children's Medicaid. Uninsured children under the age of 18 in low-income families qualify for All Kids coverage. To find out more about this Illinois health insurance program, visit the program's website.
- Illinois Medicare
Seniors who are eligible for Medicare can find coverage through Medicare Advantage plans, Medicare Supplement plans or Original Medicare.
- Illinois Breast and Cervical Cancer Program
Certain women living in Illinois who have been diagnosed with breast or cervical cancer may qualify for health care coverage for cancer and non-cancer-related medical care through Medicaid. For more information on IBCCP, visit them online.
Some workers and early retirees may qualify for the Federal Health Coverage Tax Benefit to help them purchase a plan for themselves and their families. To learn more, visit the Internal Revenue Service (IRS) online.
The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Illinois Legislature has formed the Illinois Pre-Existing Condition Insurance Plan (IPXP) for residents.
The IPXP is not a public program and enrollees will pay monthly premiums and out-of-pocket costs similar to normal Illinois health insurance plans.
Recipients of IPXP will pay around the same amount that people without pre-existing conditions pay on the private insurance market. Recipients cannot pay more based on gender ratings but may pay more due to age, geographic location and tobacco use.
People are eligible to enroll in the Illinois Pre-Existing Condition Insurance Plan if they are a United States citizen, have been uninsured for six months and have a medical condition.
Illinois Comprehensive Health Insurance Plan (ICHIP) is the existing Illinois health insurance high risk pool. ICHIP is more expensive than IPXP but residents are urged not to drop ICHIP coverage and apply for IPXP.
For more information on the Illinois health insurance high risk pools visit http://insurance.illinois.gov/.
The following list of companies offer Illinois health insurance plans:
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
Click here to view Aetna Health Insurance in Illinois
Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to over 787,000 doctors, hospitals and other health care providers.
Click here to view AetnaAARP Health Insurance in Illinois
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Click here to view Assurant Health Health Insurance in Illinois
BCBS of Illinois is the largest health insurance company in the state. They also have the largest care provider network including 23,000 physicians.
Click here to view Blue Cross and Blue Shield of Illinois Health Insurance in Illinois
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Click here to view Celtic Health Insurance in Illinois
Companion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. They have been providing these services and coverage for the last 35 years, becoming a single source for affordable life, disability, accident, dental, vision, and other specialty insurance programs.
Click here to view Companion Life Insurance Company Health Insurance in Illinois
Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Click here to view Golden Rule Health Insurance in Illinois
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Click here to view Great American Health Insurance in Illinois
Group Health Plan Incorporated first specialized in providing health coverage for organizations and businesses. Today, they offer affordable options for individuals, families, and seniors.
Click here to view Group Health Plan Health Insurance in Illinois
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
Click here to view Humana Health Insurance in Illinois
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Click here to view John Alden Health Insurance in Illinois
As part of the large family of Coventry Health Care, Personal Care Insurance of Illinois is a customer-driven company and ranks as one of the top health plans in the country. Personal Care Insurance of Illinois believes the best way to serve residents is through locally administered care.
Click here to view Personal Care Insurance of Illinois Health Insurance in Illinois
Started in 1978, IAC offers management services to large companies who self-insure.
Click here to view Standard Security Life Health Insurance in Illinois
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Click here to view Time Insurance Health Insurance in Illinois
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
Click here to view Time Short Term Health Insurance in Illinois
United Security Life squarely focuses their products for individuals and families. For almost 15 years, United Security Life has been providing affordable and comprehensive individual health plans.
Click here to view United Security Life Health Insurance in Illinois
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
Click here to view UnitedHealthOne Health Insurance in Illinois
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Click here to view WorldIns ExpressMed Health Insurance in Illinois
Find the contact information for the Indiana health insurance and health departments at:
311 West Washington Street, Suite 300
Indianapolis, IN 46204
Phone: (800) 622-4461
2 N Meridian St
Indianapolis, IN 46204