Health Insurance Carriers in Illinois (IL)
Illinois has its own set of rules regarding health insurance policies and those who offer them. To help you get to know your rights, we have compiled some research below to help you. We’ve also created a summary of several recommended health insurance carriers in Illinois.
Health Insurance Providers in Illinois
Aetna
American Medical Security
Assurant Health (Formerly Fortis)
Bankers Life
BlueCross BlueShield of Illinois
Celtic
Clarendon National
Fairmont Specialty Group / TIG
Golden Rule
Guardian
Midwest Security
Security Life
UNICARE
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Individual Health Insurance in Illinois (including Self-Employed)
- For individual coverage, providers have the right to deny applications of those with health issues.
- Elimination riders may be imposed for pre-existing conditions as well as exclusion periods for up to 24 months.
- In the first 24 months of coverage, any claim made gives the provider the right to review medical records for the 24 months previous to coverage beginning.
- There are no limits on the cost of the policy, but it cannot be cancelled due to illness.
Self-Employed Health Insurance in Illinois
- The self-employed may not purchase group health coverage.
- Contact the Illinois Department of Insurance for rules related to enrollment with professional associations that offer group health coverage.
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Group Health Insurance in Illinois (including Small Business)
- Insurance may not be denied due to health conditions of employees within the group, nor can a higher premium be charged.
- Employers can impose a waiting period before offering coverage.
- Life changes relating to family and loss of job can affect opportunities for health coverage.
- If there is a pre-existing condition, an exclusion period of up to 12 months may be imposed with credit for continuous coverage.
- In the case of continuous coverage, an exclusion period may still apply if the new coverage offers more benefits.
- Some state, county and local governments may withhold health protections from their employee groups. Contact employer for possible exclusion.
Small Business Health Insurance in Illinois
- Small businesses cannot be turned down or cancelled due to illness within the employee group, but premiums can rise due to characteristics of the group.
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Illinois Health Care Programs
Contact the Illinois Department of Insurance for the most up-to-date and accurate information:
Illinois Department of Insurance
320 W. Washington St.
Springfield, IL 62767
(217) 782-4515
www.idfpr.com
- Illinois Comprehensive Health Insurance Plan, Medicaid, and KidCare is available for low income residents who are eligible.
- Conversion policies are available for those had group coverage for at least three months and then lost it.
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