Changes to Illinois health insurance are underway, today. As a byproduct of President Obama’s national health care reform $196 million dollars was allotted to Illinois. Those, who qualify for the high-risk pool have been advised to enroll in the federally funded program. Applicants have to meet two major requirements. Citizenship is one prerequisite. Also, residents must have been without Illinois medical insurance for a more than six-months. For those who are approved coverage, monthly premiums are assessed according the individual’s age and address, ranging between $111 to $653.
Will the federally funded Illinois medical insurance cover all applicants?
Analysts approximate that the funds will cover fewer than 6000 individuals. Other insiders predict that the major Illinois health insurance providers will develop competitive medical plans, warning that consumers learn how to read through policies. President of Illinois Life and Health.com, Michael Novelli provides a succinct list of costs that most major Illinois health insurance companies do not offer. Consumers should expect to cover the cost of the following medical services and supplies:
- Ambulatory apparatus
- Battery controlled implants
- Charges incurred for missing a scheduled physician’s visit
- Contact lenses
- Cosmetic Surgery for conditions resulting from accidents or illnesses which leave a scar
- Special braces
- Specialized equipment
- Supplies and services provided during a mental illness hospitalization
While Mr. Novelli says that the aforementioned list does not include every exclusion, consumers should beware that buying an Illinois health insurance policy requires more due diligence than purchasing a car.
Contact Illinois Life and Health for complimentary consumer information, professional advice and to obtain a few fuss free Illinois health quotes.