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Illinois Health Insurance Changes Portend Consumer Education

Fri, 20 Aug 2010 16:09:46 +0000

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.

PPACA Ensures Affordable Illinois Medical Insurance

Thu, 10 Jun 2010 16:36:09 +0000

Affordable Illinois medical insurance is no longer a pipedream, hogwash or political malarkey. With the guidelines of the Patient Protection and Affordability Care Act (PPACA), Illinois medical insurance for people suffering from a chronic illness, is now an attainable reality. This month, the Illinois Department of Insurance has the daunting task of administering a new temporary high-risk pool program.

Individuals, diagnosed with a preexisting medical condition, fall under the classification of the “high risk pool.” In order to qualify for a temporary high risk pool Illinois medical insurance, individuals have to meet several prerequisites, including:

Valid proof of citizenship
Not holding legitimate Illinois medical insurance policy within the last 6-momths
The medical diagnosis with a condition deemed to fall under the high risk pool

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While the high risk pool program is temporary, Illinois is among 45 states whereby by health insurance companies discriminated medical coverage based on preexisting conditions. From now through 2014, the high risk pool programs will help transition implementation of the PPACA.

According to a market research study, from 2004 to 2007, 36 percent of non-elderly Americans, who applied for health insurance, were “discriminated for having a preexisting medical condition.

Although not all Illinoisans will participate in the high risk pool program, insiders speculate that Illinois medical insurance companies will be motivated to implement new programs for the target audience.

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