Illinois Health Insurance

As a resident of Illinois, you have plenty of Illinois health insurance options to choose from. There are multiple insurance companies in Illinois that provide a range of plans for a variety of health needs.

Here you'll be able to get helpful information for finding health insurance in Illinois. See some of the state's top health insurance companies and read about the important Illinois health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Illinois health insurance programs.

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Resources on this page

Illinois Health Insurance Laws and Regulations

Public Health Insurance Programs for Illinois Residents

Illinois Health Insurance High Risk Pools

Illinois Health Insurance Companies

Contact Info for the Illinois Department of Insurance and Public Health

Illinois Health Insurance Laws and Regulations

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.

Illinois policyholders can also be protected under the federal laws HIPAA and COBRA.

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Illinois Public Health Insurance Programs

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:

Medicaid
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.

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Illinois Health Insurance High Risk Pools

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/.

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The following list of companies offer health insurance plans in Illinois:

Aetna Health Insurance

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.

AetnaAARP Health Insurance

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.

Assurant Health Health Insurance

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.

Blue Cross and Blue Shield of Illinois Health Insurance

BCBS of Illinois is the largest health insurance company in the state. They also have the largest care provider network including 23,000 physicians.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Companion Life Insurance Company Health Insurance

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.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.

Group Health Plan Health Insurance

Group Health Plan Incorporated first specialized in providing health coverage for organizations and businesses. Today, they offer affordable options for individuals, families, and seniors.

Humana Health Insurance

Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.

John Alden Health Insurance

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.

Personal Care Insurance of Illinois Health Insurance

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.