Low Cost Illinois Health Insurance - Illinois Health Insurance - Illinois Small Business Health Insurance - Illinois Affordable Health Insurance - Illinois Free Instant Quotes - Health Insurance in Illinois - Medical Insurance Illinois - Illinois Health Insurance Companies - Illinois Medicare Supplements - Illinois HSA's - Health Savings Accounts Illinois - Illinois Health Insurance Plans - Illinois Health Care - Illinois Insurance Company - Illinois Cheap Health Insurance - Cheap Health Care Plans Illinois - Illinois Healthcare Plans - Health Insurance Illinois - Affordable Health Insurance IL - Low Cost Health Insurance IL - Low Cost Health Insurance in Illinois - Affordable Health Insurance Illinois - Low Cost Family Health Insurance Illinois - Affordable Health Insurance in IL - Low Cost Health Insurance in IL - IL Health Insurance - Illinois Medical Insurance - Health Insurance IL - Illinois Low Cost Health Insurance - Illinois Health Insurance Exchange - Health Insurance Exchange Illinois
Americhoice Agency, Inc.  
1 2

Select Your State


Our affiliate Illinois Health Insurance Agents license with many of the quality Insurance Companies in Illinois. When you work with one of our Health & Medical Insurance agents they will provide the most affordable low cost health insurance or Illinois medical insurance plans for small business, self employed, families, individuals and groups.  Your needs and budget are a primary concern in choosing a quality Illinois health care plan. More importantly, you want a company that will be easy to work with when you have a claim. For  Health Insurance plans and HSA's (Health Savings Accounts) we make your search for affordable low cost health insurance easy.



Freedom is Our Choice.
Socialism Leaves No Choice.

"Liberty is seldom lost all at once; it is lost in pieces over time..."

How to Choose the Right Health Care Plan

 

WELCOME ILLINOIS RESIDENTS & COMPANIES

Our Health Insurance page provides Instant Quotes for many Insurance Companies, including Short term or Temporary Health Insurance plans.

Get A Quote Here!

   Individual and Family Health Insurance
   Temporary Individual Health Insurance
   Small Business & Group Health Insurance- Save 20%- 40%
   Term Life Insurance

National Healthcare articles

Obamacare Puts Most Health Insurance Agents Out Of Business

Instant Online Quote Buttons Below


Your Rights under Illinois Health Insurance Law

(Copyright 2005 All Rights Reserved)

Illinois Individual Health Insurance:

In Illinois, your access to individual health insurance may depend on your health status, but once you have health insurance, it cannot be canceled because you or anyone in your family becomes sick. Individual health insurance is guaranteed renewable, unless the insurance carrier cancels the plan.

Low or moderate household incomes may be eligible for free or subsidized health insurance coverage for all members of the family through a Illinois sponsored Individual health insurance program. If your children are 18 years old or younger and are considered low income based on Illinois guidelines, you may be able to purchase individual health insurance through the Illinois sponsored health insurance plan or receive assistance paying for private health insurance. All states take part in the federally sponsored program that provides health insurance for children or expectant mothers and are considered low income.

If you enroll in the Illinois Comprehensive Health Insurance Plan and are not HIPAA eligible, you will face a pre-existing condition removal period.

If you move away from Illinois, you may not be able to buy individual health insurance in another Illinois unless you are HIPAA eligible.

Under Illinois law, newborns and adopted children are automatically covered under the health plan of the parents and are fully insured for the first 31 days, if the plan covers dependents.

If you have had difficulty obtaining affordable individual health insurance because of your health condition, you may also be eligible for a Illinois sponsored Health Insurance Plan.

Eligibility for Medicaid in Illinois is based on your household income. People with high medical expenses may also qualify for Medicaid.

To find out more visit the Illinois Department of Insurance website is HTTP://WWW.STATE.IL.US

Illinois Group Health Insurance:

Coverage under your group health plan cannot be denied or limited, nor can you be required to pay more, because of your health status. All group health plans in Illinois must limit refusal due to pre-existing conditions.

If you have to take leave from your job due to illness, the birth or adoption of a child, or to care for a seriously ill family member, you may be able to keep your Illinois group health insurance coverage for a limited time, of up to 12 weeks. Your employer must continue your health benefits. However, you will have to continue paying your share of the premium.

Illinois group health insurance plans cannot apply a pre-existing condition refusal period for pregnancy, newborns, or newly adopted children, children placed for adoption, or genetic information. Increased premiums can be assessed on new groups if employees enrolling have any of the above. Existing groups may have their premiums increased to offset any extraordinary medical expenses the group may incur.

With few exceptions, small employers cannot be turned down for group health insurance in Illinois. They can also require you to contribute a minimum percentage of your workers premiums.

If you are self-employed and buy your own self-employed health insurance in Illinois, you are eligible to deduct 100% of the cost of your premium from your federal income tax.

If you lose your Illinois group health insurance and meet other qualifications, you will be HIPAA eligible. You can buy an Illinois individual health insurance policy.

If you have a legal dependent or disabled child, that dependent or child may remain covered under your fully insured Illinois group health plan after he or she reaches the age at which dependent coverage is usually terminated for as long as the person remains dependent.

To help you find the best health insurance company check out the complaint ratio. Click here for the instruction sheet on " How to find an insurance company complaint ratio".


GENERAL NEWS ARTICLES about INSURANCE

National Health Care- A Poison Pill

Health Insurance

 Alabama Alaska Arizona Arkansas California Colorado
 Connecticut Delaware DC Florida Georgia Hawaii
 Idaho Illinois Indiana Iowa Kansas Kentucky
 Louisiana Maine Maryland Massachusetts Michigan Minnesota
 Mississippi Missouri Montana Nebraska Nevada New Hampshire
 New Jersey New Mexico New York North Carolina North Dakota Ohio
 Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota
 Tennessee Texas Utah Vermont Virginia Washington
 West Virginia Wisconsin Wyoming  

Homeowners Insurance

 Alabama Alaska Arizona Arkansas California Colorado
 Connecticut Delaware DC Florida Georgia Hawaii
 Idaho Illinois Indiana Iowa Kansas Kentucky
 Louisiana Maine Maryland Massachusetts Michigan Minnesota
 Mississippi Missouri Montana Nebraska Nevada New Hampshire
 New Jersey New Mexico New York North Carolina North Dakota Ohio
 Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota
 Tennessee Texas Utah Vermont Virginia Washington
 West Virginia Wisconsin Wyoming  

Life Insurance

 Alabama Alaska Arizona Arkansas California Colorado
 Connecticut Delaware DC Florida Georgia Hawaii
 Idaho Illinois Indiana Iowa Kansas Kentucky
 Louisiana Maine Maryland Massachusetts Michigan Minnesota
 Mississippi Missouri Montana Nebraska Nevada New Hampshire
 New Jersey New Mexico New York North Carolina North Dakota Ohio
 Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota
 Tennessee Texas Utah Vermont Virginia Washington
 West Virginia Wisconsin Wyoming  

Auto Insurance

 Alabama Alaska Arizona Arkansas California Colorado
 Connecticut Delaware DC Florida Georgia Hawaii
 Idaho Illinois Indiana Iowa Kansas Kentucky
 Louisiana Maine Maryland Massachusetts Michigan Minnesota
 Mississippi Missouri Montana Nebraska Nevada New Hampshire
 New Jersey New Mexico New York North Carolina North Dakota Ohio
 Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota
 Tennessee Texas Utah Vermont Virginia Washington
 West Virginia Wisconsin Wyoming  
Home Insurance | Life Insurance | Auto Insurance | Medicare Supplements | Annuities | Insurance Exchange
Home | About Us | Contact Us | Privacy Policy | Disclosure | Resources | Add URL | Site Map