Aetna, Anthem Blue Cross and UnitedHealth Group Inc. are terminating child only policies. These Illinois health insurance agencies contend that the new law authorizes parents to enroll their children subsequent to an illness, leaving major Illinois health agencies with exorbitant polices to shoulder the expense.

 On the other side of the child health insurance quandary, dependents can still be covered under family health plans. Moreover, the proceeding list of Illinois health insurance providers are also required to extend coverage for dependents up to  26 years of age:

• Blue Cross Blue Shield
• UnitedHealth Care
• Aetna
• And other major health plans

While health care advocates are upset by the way that Illinois health insurance companies are shirking the legal obligation by terminating children only health plans, insurance representatives agree that parents have other alternatives for providing children with medical care. The White House officials  suggest that high risk pools  might be available.

But most insurance insiders familiar with these governement sponsored plans report that these programs are no longer able to accept new enrollees.

President of Illinois Life and Health, Michael Novelli suggests that:

Parents need not fret over the termination of child only policies. Parents can always add their dependents to their health plans or obtain several Illinois health insurance quotes to find affordable family coverage.       

For  hassle-free help shopping for Illinois health insurance quotes, dial 1-866-522-5953 for assistance.

Plan types: Blue Value is available in three plan types: Blue Value, Blue Value Advantage (SM), and Blue Choice (SM). Each Blue Value Illinois medical insurance program has specific terms, deductibles and premiums to meet various budgets.

The benefits: The plans afford economical premiums with essential coverage and benefits:

• Well-child care a $500 maximum, per calendar year maximum for each dependent under 16 years of age
• Diagnostic testing
• Hospital services
• Prescription drug coverage
• Dental care

Annual Deductibles / Out of Pocket Limits
Since Blue Value is developed for the budget-conscious consumer, who prefers to assume financial responsibility in order to keep premiums manageable, policyholders have to meet certain annual out-of-pocket expense limits, coinsurance and deductibles.

For instance, the annual out-of-pocket limit for an individual plan ranges from $1,000 to $3,000. For families, Blue Value’s   annual out of pocket maximum is between $3,000 and $9,000.

How to Use Blue Value

The Blue Value plan is ideal for Illinoisans, who are basically healthy, requiring annual check-ups for preventative care. Also, Blue Value gives the insured the autonomy to visit any doctor, who does not belong to a designated network. In other words, members do not need a primary care physician or specialist referral.

Although Blue Value’s monthly premiums are lower, policyholders should expect to contribute more to their benefits. However, Blue Choice works for the individual who requires more medical care. The insured saves on covered premiums and medical services provided by affiliated hospitals, and medical specialists with Blue Choice.

To learn more about Blue Value and to compare the cost of the plan to other Illinois health insurance policies, obtain an  Illinois health insurance quote.