Illinois Short Term Medical Insurance: Coverage, FAQ, and Providers
Short Term Health Insurance plans in Illinois are banned effective January 1, 2025. Individuals who are already enrolled in a Short Term Health Insurance plan before September 2024 can finish their current policy term. Policies issued on or after September 2025 can not have more than three months term.
Flexible Coverage Periods
Your choice of plan length, from 30 days up to 180 days, for both individuals and families.
Immediate Protection
When you sign up for a plan, coverage kicks in as soon as the next day. So you’ll get peace of mind, knowing you’re protected.
Rx Benefits and Discounts
Keep prescription costs low with a pharmacy discount card. Plus, copay savings on select plans.
Pros and Cons of Illinois Short Term Medical Insurance Plans
Pros:
- Flexibility: Short term health insurance plans offer flexibility in coverage duration, allowing you to choose a plan that suits your specific needs.
- Affordability: Short term plans can be more affordable than traditional health insurance, making them an option for cost-conscious individuals or families.
- Quick Coverage: Short term health insurance plans often have a streamlined application process, enabling you to obtain coverage quickly.
Cons:
- Limited Coverage: Short term health insurance plans may have limited coverage compared to ACA-compliant plans, including exclusions for pre-existing conditions and certain benefits.
- No ACA Protections: Short term plans do not offer the same consumer protections as ACA-compliant plans, such as coverage for essential health benefits or guaranteed issue.
- Not Long-Term Solution: Short term medical insurance is designed as temporary coverage and is not suitable for long-term healthcare needs.
Please note that the information provided here is for general guidance only, and it’s important to thoroughly research and evaluate the specific terms, conditions, and limitations of any short term medical insurance plan before making a decision. Consulting with insurance providers or licensed insurance brokers can help you navigate the available options and find the most suitable coverage for your needs.
Available Illinois Short Term Medical Insurance Companies
1. National General – Allstate:
National General, now a part of Allstate, is a well-established insurance company offering short-term health insurance plans in Illinois. They provide coverage for individuals and families during transitional periods, such as job changes, waiting periods, or other life events. National General – Allstate offers a range of plan options with varying coverage levels and durations to cater to different needs. Their plans often include essential healthcare services like doctor visits, hospitalization, emergency care, and prescription drugs. It’s important to review their specific plan details, benefits, and exclusions to ensure they align with your healthcare requirements.
2. Pivot Health:
Pivot Health is a reputable insurance company specializing in short-term health insurance solutions. They offer temporary coverage options in Illinois to help bridge gaps in healthcare insurance. Pivot Health’s plans are designed to provide flexibility and affordability, offering a range of coverage durations and customizable options. Their plans often include benefits such as doctor visits, specialist care, hospitalization, and prescription drug coverage. Pivot Health emphasizes a streamlined application process, allowing individuals and families to quickly obtain the coverage they need during transitional periods.
3. United Healthcare Golden Rule:
United Healthcare Golden Rule is a prominent health insurance provider offering short-term medical insurance plans in Illinois. With a strong reputation in the insurance industry, United Healthcare Golden Rule provides coverage for individuals and families who require temporary health insurance during transitions. Their short-term plans typically offer essential healthcare services, including doctor visits, hospital stays, emergency care, and prescription drugs. United Healthcare Golden Rule aims to provide reliable coverage options and support individuals with their temporary healthcare needs.
Still have questions?
We’ve got answers.
What is the best Illinois Short Term Medical Insurance?
There are different insurance companies offering short term health insurance plans in Illinois. Our recommendation is to go with either Allstate or Pivot health for a decent coverage.
Can I renew an Illinois Short Term medical insurance plan?
Yes. In Illinois short term health insurance plans can generally be renewed for additional coverage periods, up to a maximum duration of 6 months. You can renew your coverage with a different short term medical company.
Are pre-existing conditions covered under Illinois Short Term Medical Insurance?
No. Short Term Medical insurance plans do not cover pre-existing conditions or pregnancy. Short Term Medical insurance plans cover emergencies and sickness that occurs while on the plan.
When can I sign up for short term medical insurance plan?
You can sign up for a short term medical insurance plan anytime during the year. Short term medical insurance plans offer coverage effective the following day.
