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Health Insurance Options 

 

For Illinoisans currently looking for health benefits, there are many options available while provisions of the Affordable Care Act are still being rolled out:

Starting on October 1, individuals and families will be able to shop for health insurance coverage through the Illinois Health Insurance Marketplace. More information on the Marketplace is available here. Other insurance coverage options are listed below.

Individuals

The Illinois Comprehensive Health Insurance Plan is an existing state health benefits program for certain uninsurable Illinois residents. CHIP requires participants to pay partial premiums. If you have no insurance at all, you may be able to receive care on a sliding scale basis at a neighborhood health center near you. For information on the location of these health centers, go to the Illinois Primary Health Care Association website.

Families with Children

If you have children under the age of 18, you may qualify for the Family Care or All Kids programs associated with Medicaid, even if your income is too high for traditional Medicaid.  This might require you to pay a premium.

Small Business Owners

Small business owners in Illinois have struggled for years with unpredictable and unreasonable premium increases. Health reform will protect small businesses against dramatic premium increases, reduce premium costs immediately through tax credits, and ensure better value for the hard-earned premium dollars paid by small businesses and their employees. More information on benefits for small businesses is available here.  

Young Adults

Effective June 1, 2009, all individual and group health insurance and HMO contracts must abide by the provisions of Public Act 95-0958 (215 ILCS 356z.12; the “Young Adult Dependent Coverage Law”), a new Illinois law giving parents with insurance policies that cover dependents the right to elect coverage for qualifying dependents up to age 26 and up to age 30 for military veteran dependents. For more information about this new law, and how it interacts with existing state law in Illinois, please visit the Department of Insurance website.

Medicare Beneficiaries

Medicare provides health insurance coverage for individuals over the age of 65. Some individuals under 65 are eligible, including those with disabilities. Individuals can apply for Medicare through the Social Security Administration. The Illinois Department on Aging runs an assistance program for Medicare Beneficiaries called the Senior Health Insurance Program. In 2011, Medicare will began covering preventive services like cancer and diabetes screenings without charging the Part B coinsurance or deductible. Free annual wellness exams are also covered.

Through the Affordable Care Act, some seniors paying for prescription drugs became eligible for a rebate check of $250 to help pay for the cost of prescriptions. Over the next 10 years, the new health care reform will gradually reduce the “donut hole” in Medicare prescription drug coverage, saving many seniors thousands of dollars each year.

** Important Note for Medicare Beneficiaries: Protecting your personal information, including your bank information and Social Security Number, is very important. More information on reducing Medicare fraud is available here.

Uninsured Ombudsman Program

The Uninsured Ombudsman Program, run by the Department of Insurance, currently offers Illinois consumers with no health insurance, those about to lose health insurance, or those who can't afford health insurance assistance through explaining their rights and helping individuals shop for health insurance. For more information on this program, please visit the website.