Illinois Health Insurance
Affordable Illinois Health Coverage Options
Now is the time to look at your options for affordable health insurance in Illinois for next year. Wherever you and your family live, you face the uncertainties of an upcoming Presidential election and the challenges of the COVID-19 pandemic. Illinois is no different!. Now, more than ever, it is important to select the BEST health insurance for your family and do not pay more than you have to.
Where can you turn to for independent expert advice? TrueCoverage provides helpful resources and guidance that help you to select the most affordable health insurance plan that meets your specific needs. Remember, the Open Enrollment Period starts November 1st and runs through December 15th
Save any last-minute headaches and rushed decisions by selecting your Illinois Health Insurance coverage soon. The TrueCoverage team is here to help by providing a pre-registration service.
We will contact you with a selection of health coverage packages tailored to you, your family, or your business.
Illinois utilizes a partnership health insurance exchange, using the federal government’s platform. It limits short-term health insurance plans to six months. They are a useful option in some circumstances. These plans are NOT bound by the Affordable Care Act that mandates the 10 essential health benefits. Furthermore, they are NOT eligible for premium tax relief.
Illinois is one of the parties defending the Texas-led attempt to invalidate the ACA. The case is still before the courts and will almost certainly not affect the health insurance plans for 2021.
Exploring Affordable Health Coverage in Illinois
You can look for cheap health insurance in Illinois. But as we all know, the policies with the lowest monthly payments (your insurance Premium) may not be your best option.
The REAL price of health coverage depends on many variables. Deductibles and copays increase costs and Tax relief on your premiums, state insurance subsidies and discounts on your medical supplies can LOWER your medical expenses. A premium might look high at first, but the total amount you spend on medical services could be much lower!
If you qualify for Medicare, you should explore the Medicare add-on plans. Illinois has many options. About 17% of the population has enrolled in Medicare, whilst only 26% of these participate in a Medicare Advantage plan. Medicare Advantage and Medicare supplemental plans could save you a LOT of money.
The Coronavirus Pandemic, COVID-19 Testing, and the FFCRA
COVID-19 is the hot topic health insurance issue in Illinois. If you lose your health insurance due to COVID-19 or your employer closed because of the Coronavirus, testing is available at no charge. The Families First Coronavirus Response Act (FFCRA) passed in March 2020, ensures that everyone can receive COVID-19 testing.
See our 5 top Illinois health insurance companies at the bottom of this page.
Key Details about Health Insurance in Illinois
Illinois is also one of the States that protect consumers from ‘surprise’ billing (see our blogs When is a surprise not a surprise? When it’s a SHOCK! and Joe Biden – building on Medicare).
Insurers have withdrawn from offering plans in Illinois’ SHOP (Small Business Health Options Program) exchange, although small group plans can be accessed via brokers and directly from insurers.
Exploring the Health Insurance Marketplace in ILIllinois residents can sign up for health insurance using private insurance exchanges. These marketplaces offer more ACA-compliant plans than the state, which only deals with a handful of insurers. As a private exchange, TrueCoverage is bound by the same rules as the Illinois exchange but has access to hundreds of insurers. With Health Insurance Exchanges, you gain access to ancillary insurance options like:
- Accidental Death,
- Critical Illness,
- Medicare Advantage, Medicare Supplementals,
Benefits of Working with a Health Insurance BrokerTrueCoverage is a Certified Direct Enrollment Partner of Healthcare.gov. We specialize in offering local knowledge and affordable Illinois health insurance solutions. We offer more health insurance plans than any other resource in IL, and our unique technology quickly delivers the ‘BEST VALUE’ insurance policies that address your needs. Like brokers in every state, TrueCoverage must operate without bias. Our job is to find you the best health insurance options, regardless of the insurance carrier. As brokers, we search for policies that best meet your needs. We also assist you throughout your contract. For example, if a dispute arose with your insurer, TrueCoverage steps in to help. If you benefit from a Special Enrollment Period, we’ll be there. TrueCoverage is familiar with your state’s unique insurance rules, and we understand the Illinois health insurance options from the largest carriers, to the smaller specialty health insurers.
The Top 5 Health Insurance Companies in IllinoisChoosing from over 50,000 plans is daunting without independent, expert advice. That is where TrueCoverage shines. To help, we have identified the top five health insurance companies in IL. These ratings, from The National Committee for Quality Assurance (NCQA), are based on Consumer Satisfaction, Preventive Care, and Medical treatment.
The NCQA rates these ACA-compliant health plans as the BEST in Illinois:
- Blue Cross and Blue Shield of Illinois, a Division of Health Care Services
- Health Alliance Medical Plans
- Humana Health Plan, Inc. (Illinois)
- Humana Insurance Company (Illinois)
- Medical Associates Health Plan, Inc.
All ACA-compliant and Medicare plans have a star rating based on similar criteria.
Click below to learn more:
NOW is the best time to select your ACA Affordable Illinois health insurance, BEFORE Open Enrollment starts on November 1st, 2020.
Looking to find affordable health insurance?
Click on the button below to and connect with our agent to get insurance in 24 hours.
10 Core Health Services Mandated for all ACA Compliant Plans
Before the Affordable Care Act became Federal law, insurers could refuse to cover various health benefits, resulting in overwhelming debt to many people. The ACA fixed those loopholes and required all qualifying plans to carry these coverages (in Illinois and all states):
- Emergency services
- Prescription drugs
- Ambulatory patient services (Hospital services that don’t require an overnight stay)
- Laboratory services
- Maternity and newborn care
- Pediatric services (for children), including dental and vision care
- Mental health and substance abuse services
- Preventive and wellness services, including chronic disease
- Rehabilitative/habilitative services and devices