Health Insurance
This site is packed with useful information about health insurance in Illinois. If you are short on time you can just run a get instant rate info of check out the look at our most popular plans.
Click on the quote button or put in your ZIP Code for Instant quote
Instant Quote

Checkup on Health Insurance Choices

Consumer’s Guide to IL Health Insurance

Illinois High Risk Pool

The Regulators

Financial Rating Organizations

KidCare

HIPAA – Guaranteed Issue Plans

Options when leaving a group plan

Resource Links

Submit Your Site

Links
Looking for competitive rates on Illinois health insurance? Then you will want to click on the "Instant Quote Button" and we will link you to a broker web site that specializes in Illinois health insurance. Save time and money by getting your quote on Illinois health insurance here!

This site also serves as a resource guide to provide you with information that will be important to you in your search for the “health insurance plan that is right for you”.

We start with the traditional "medically underwritten" individual/family and group health insurance above. On the left hand side of the site you will find links to information about “guaranteed issue plans” and State/Federal assisted programs for low income individuals and special programs for children.

You will also find information about pre-existing conditions, your options when leaving a group health insurance plan, financial rating organizations and much more.

Take some time and explore the balance of this site. It will be worth your while!

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Checkup on Health Insurance Choices

This link takes you to a site provided by the Agency for Health Care Policy and Research (AHCPR), a Public Health Service agency in the Department of Health and Human Services (HHS). Below you will find a list of some of the information contained on the site. Click on the link above and explore it thoroughly.

Thinking About Health Insurance Choices
Why Do You Need Health Insurance?
Where Do People Get Health Insurance Coverage?
Group Health Insurance
Individual Health Insurance
Health Maintenance Organizations (HMOs)
Questions to Ask About an HMO
Preferred Provider Organizations (PPOs)
Questions to Ask About a PPO
Checklist: What's Most Important to You?
Worksheet: What Is Your Best Health Insurance Buy?
Understanding Health Insurance Terms

AHCPR Publication No. 93-0018, December 1992. Agency for Health Care Policy and Research, Rockville, MD.
Google
A Consumer’s Guide to Getting and keeping Health Insurance in Illinois

This links you to a site which is put together by Georgetown University and contains a lot of useful information that consumers need to know. The contents are:

  • A summary of your protections
  • Your protections under group health plans
  • Your protections when buying individual health insurance
  • Your protections as a small employer or self-employed person
  • Financial assistance
    • Medicaid
    • Illinois KidCare Program
    • Illinois State Pharmacutical Program
It’s a great resource.

HIPAA – Guaranteed Issue Plan

The Health Insurance Portability and Accountability Act of 1996 created the opportunity for individuals leaving employer sponsored plans (group health insurance plans) to qualify for guaranteed issue individual health insurance. They must meet certain qualifications. To qualify for a HIPAA plan, you must:
  • have completed a minimum of 18 months of continuous health coverage, most recently under an employer sponsored group health plan.
  • have elected and exhausted continuation of coverage under COBRA, if available
  • have lost coverage within the last 63 days
  • not be eligible for Medic-aid or Medicare, or have any other health coverage

    Additional requirement apply. Ask your broker if you qualify for a HIPAA plan and if a HIPAA plan is right for you.

Options When Leaving a Group Plan

Be sure to ask about all of your options when leaving a group health insurance plan. If you understand all of them you will be able to choose the best health insurance for the future. Some choices are guaranteed issue regardless of health history and others are not. Prices, benefits and coverage will vary widely. A good broker can walk you through the options. The options may include: Federal COBRA (groups with 20 or more employees), individual conversion plan, extension of benefits if totally disabled, HIPAA guaranteed issue plan, Illinois high risk plan, or medically underwritten individual and family health insurance.

We offer Illinois residents a full range of CHOICES

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Notice to Consumers – Terms of Use

The 1-Illinois-Health-Insurance web site is designed as a health insurance directory to help the consumer find quotes and information on health insurance options in Illinois. A local broker may be the best source of this information. With a click of the mouse (on the Rate Button near the top of this site) you will be linked to the web site of a broker specializing in health insurance in Illinois.

1-Illinois-Health-Insurance.com is provided by Online Marketing – USA and does not sell health insurance and is not affiliated with the broker you will be linked to. By using this web site, you acknowledge that 1 Illinois Health Insurance .com and or Online Marketing – USA is not responsible for the actions of the broker that you will be linked to and does not have any control over the accuracy of the information contained on their web site.

The purchase of health insurance can be confusing and it is the consumer’s responsibility to ask questions and make sure that they are receiving clear, complete, accurate and appropriate information. Do not cancel any existing health insurance until you are approved for the coverage you apply for and that you know the rates and benefits that have been approved before canceling the existing coverage.

The balance of the information on this web site is also provided as a service to you the consumer. We have attempted to provide information that will help you in your search for health insurance. We do not warrant, nor guarantee that it is current, complete nor accurate.

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