Illinois Health Insurance

Health Insurance Overview

Illinois residents have many options for health care coverage. There are numerous Illinois insurance providers to choose from, along with a variety of Illinois medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Illinois health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Illinois medical insurance from the best Illinois insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Illinois health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Illinois health insurance programs, and even details on some of the top Illinois insurance providers.

To compare specific Illinois medical insurance plans offered by the various Illinois insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Illinois health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Illinois health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Illinois? Find your state here.

Illinois Health Insurance Facts & Statistics

Total Illinois Residents – 12,814,380

Total Health Insurance Coverage In Illinois:
Employer – 52%
Individual – 5%
Medicaid – 16%
Medicare – 12%
Other Public – 1%
Uninsured – 15%

Average Individual Monthly Premiums – $203

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 22%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,120

Average adjusted hospital cost per inpatient day – $1,948

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Illinois Medical Insurance Laws, Regulations & Policies

There are several Illinois health insurance laws and regulations that are put in place to protect policyholders living in the state. Under state laws, all Illinois medical insurance plans 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 that mental health conditions must have the same coverage limits and maximums as physical conditions.

In addition, state law requires that all health insurance plans must offer guaranteed renewal; therefore, Illinois insurance providers cannot cancel a policy just because a policyholder grows older or becomes ill. However, for managed care insurance plans such as HMOs and PPOs, Illinois residents must stay in their original service area to be eligible for this guaranteed renewable coverage.

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

Illinois Health Insurance Resources

Health Care Resources

The Health and Welfare Department makes available resources that provide specific information on health care needs.

Illinois Health Insurance High Risk Pool

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 medical 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.

Residents are eligible to enroll in the Illinois Pre-Existing Condition Insurance Plan if they are a United States’ citizen, have an existing medical condition, and have been uninsured for six months.

The existing Illinois health insurance high risk pool is called the Illinois Comprehensive Health Insurance Plan (ICHIP) and is more expensive than the new 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/.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Illinois Medical Insurance and Health Care Programs

The state of Illinois offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. 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, visit http://www.chip.state.il.us.
  • Illinois All Kids Program
    The Illinois All Kids program offer health care coverage to children, pregnant women and their babies. This includes KidCare for children and pregnant women and children’s Medicaid. This program also helps individuals pay the premiums from employer or private health insurance plans. Uninsured children under the age of 18 in low-income families qualify for All Kids coverage. To find out more about this Illinois medical insurance program, visit http://www.allkidscovered.com/.
  • Illinois FamilyCare
    Get more information on this Illinois health insurance for parents or caregivers living with children 18 years old or younger. Learn more about this Illinois medical insurance option at Illinois FamilyCare now.
  • 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 http://cancerscreening.illinois.gov/

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, http://www.irs.gov/individuals/article/0,,id=109960,00.html.

Illinois Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Aetna AARP 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 more than 787,000 doctors, hospitals and other health care providers.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 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. It also has 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. It has 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, 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, it offers affordable options for individuals, families, and seniors.

Humana Health Insurance

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

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells 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.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

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.

United Security Life Health Insurance

United Security Life squarely focuses its products for individuals and families. For almost 15 years, United Security Life has been providing affordable and comprehensive individual health plans.

UnitedHealthOne Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Illinois Department of Insurance and Public Health

Find the contact information for the Illinois health insurance and public health departments at:

Illinois Division of Insurance
320 W. Washington Street
Springfield, IL 62767-0001
Phone: (217) 782-4515
Fax: (217) 782-5020