Illinois
Health, Medicare, Dental &Vision Insurance.
Find affordable health care insurance plans offered by the best insurance companies in Illinois. Our independent health insurance agents are local to the Land of Lincoln, and ready to help you.
Affordable Health Care Act Carriers in Illinois
BCBS IL
Offers multiple individual and family health plans On and Off Exchange. Blue Cross is the only carrier in IL that offers PPO plans On Exchange. BCBSIL have some plans with Advocate hospitals. Northshore hospitals only accept HMO precision plans.
Cigna Healthcare of IL
Offers multiple HMO health insurance plans in Illinois. If you would like to have Northwestern doctors In network, then Cigna with Northwestern is good choice.
Bright Healthcare Illinois
Enjoy a large network of providers around the Chicagoland and North Shore / Lake area. Dupage Medical group, North Shore Healthsystem, AMITA Health, and more.
United Healthcare Illinois
2022 is the first year United Healthcare offers ACA marketplace plans. They have coverage and physicians in network in multiple sites are out the Chicagoland area.
Ambetter Illinois
Ambetter are known to have some health plans with Dental + vision. The only carrier in IL that is accepted at Rush University providers.
Oscar Illinois
Oscar made it to Illinois in 2022 after a successful journey in other states. UChicago Medicine and Loyola are both in network with Oscar Choice.
Quartz Illinois Health Insurance
Quartz health insurance plans are offered in the following Illinois counties: Boone, Carroll, Jo Daviess, Lee, Ogle, Stephenson, and Winnebago.
Health Alliance Illinois
Health Alliance offer multiple robust health insurance plans in the souther and central Illinois region. Health Alliance have ACA plans, Medicare Plans, and Group health plans.
Illinois Small Business Health Insurance Plans
Small Businesses in Illinois can have a group health plan to offer their employees. Small business health plans are affordable and include robust benefits. Learn more about Illinois Small Business Health Plans.
Illinois Medicare Plans
There are multiple insurance companies that offer Medicare Supplement, Medicare Advantage, and Part D plans. We work with all best rated carriers so you can have the freedom to choose the Medicare plan that fits your needs.
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Mutual of Omaha Illinois Medicare Plans
Mutual of Omaha offer great rates for Medicare supplement plans in Illinois. Plan G from Mutual of Omaha competed for the best rates and coverages. You can get up 12% household discount on your monthly premium for enrolling a spouse. Mutual of Omaha and United of Omaha also offer great Part D drug plans for their beneficiaries.
BCBS of IL Medicare Plans
Blue Cross Blue Shield of Illinois offer a guaranteed issue Medicare Supplement plans where the insured gets a guaranteed rate based on age. No Medicare underwriting or medical questions asked. You can not be denied coverage based on medical conditions.
Humana Illinois Medicare Plans
Humana Medicare Supplement Plans offer a robust nationwide network for Medicare beneficiaries. In addition to the household discount you can get veterans discount as well. Humana offers both Medicare Supplement and Medicare Part D drug plans.
Aetna Illinois Medicare Plans
Aetna Medicare Supplement Plans are available for Illinois Medicare beneficiaries. You can choose between plan G, F, N, or High Deductible Plan G. Aetna also offers a robust Medicare Part D drug plan (Aetna PDP) for $6.90 a month only. Aetna Part D plans are very competitive.
United Healthcare Illinois Medicare Plans
UHC offer different Medicare Supplement, Medicare Advantage, and Medicare Part D drugs plans in Illinois. Their plans are known as UHC AARP Medicare plans. UHC have a great network of PPO and HMO provider nationally and regionally.
Wellcare Illinois Medicare Plans
Wellcare offer many difference Medicare Advantage and Medicare Part D drug plans in Illinois. They Medicare part D plans have a great network of pharmacies and comprehensive drug coverage.
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Frequently asked questions
How much is health insurance a month for a single person?
Health insurance plans that follow the ACA rules are rates based on age and zip code. It also depends on the metal tier (Bronze, Silver, or Gold Plan) you choose. You can get a health insurance plan as low as $1 a month if you are eligible for savings.
Which healthcare plan is the cheapest?
The cheapest health insurance plan is the one with higher deductible or Bronze plans. However, you can have savings or subsidies applies towards your health insurance premium which makes your health plan more affordable.
Is there dental coverage with Medicare?
Original Medicare doesn’t have Dental or Vision coverage included. You need to purchase a standalone Dental and/or vision plan. Medicare Advantage plans may have Dental and Vision plans available.
What is the average cost of dental insurance for seniors?
Dental plans have are usually very affordable and have the same rates regardless of age. Find available plans in your area here.
What is the most common health insurance plan?
Illinois have more than 10 insurance carriers that offer health insurance plans on the marketplace. It depends on the area/ county/ zip code you live in. Also, you need to make sure that the plan you pick is accepted by your providers. Blue Cross Blue Shield and Bright Healthcare have large network of providers in IL. Read this article about best health insurance plans in IL.
What is considered short-term health insurance?
Short Term Health insurance plan is an temporary health insurance that is meant to cover you for a set period of time. Short Term health insurance plans can have a PPO network or Open network where you can see any provider in different states. Short Term health insurance have exclusions and limitations on pre-existing conditions.
Is short – term health insurance available for purchase in Illinois?
Yes. Short Term Health Insurance plans are available for purchase in Illinois. You can buy a short term health insurance plan for up to 6 months of coverage. Carriers in Illinois include: National General, Pivot Health, and UHC Golden Rule. These plans have great PPO networks like Aetna, Cigna, and UHC.
When can I enroll in an ACA-compliant plan in Illinois?
You can enroll in an ACA plan on or off exchange in Illinois during Open Enrollment period ( Nov 1st to Dec. 15th every year). Or during a Special Enrollment Period, if you have a Qualifying Life Event.
Can you buy 1 month of health insurance?
Yes. You can cancel your health insurance at anytime.
What does Short Term mean in health?
Short Term Health Insurance means, insurance coverage for a set period of time. It can be as short as 1 month, 2 months or 1 year.
Can I get Short Term Medical Insurance?
Yes. You can buy a short term medical insurance as long as you live in a state that allows the purchase of the short term health insurance plans. Here are the states that ban Short Term health plans.
How long can you have short -term health insurance?
Short Term Health Insurance Plans have different rules in different states. You can have coverage for 6 months in IL with he same carriers before you have to change the plan with another carrier.
Who might consider short term coverage?
Anyone can buy a short term health insurance plan to have a temporary coverage while permanent coverage is lapsed. Read more about Short Term eligibility here.
How do i get a group health insurance plan in Illinois?
If you are a small business you can get a group health coverage if you have 2 full time employees or more Visit the small business page to learn more about eligibility, coverage, and enrollment.
What is the average cost of group health insurance?
Group health coverage ranges based on the number of employees enrolled. The average employees age and based on the plan chosen. Small business in IL can save a lot by enrolling their employees with a group health plan.
How much does small business health insurance cost in IL?
Small business in Illinois can get very affordable group health plans that are accepted at elite medical and health systems, like Rush, University of Chicago, Northwestern University, and many other medical group. The cost per employee could range from $100 per month to $500 or even more. It depends on the employees age and plan type.
Which group health insurance is the best in Illinois?
There are many different carriers that offer group health insurance in Illinois. Blue Cross Blue Shied of Illinois have different plans HMO and PPO that offer great benefits and large network.
How many employees do you need to qualify for group health insurance?
To qualify for a group health insurance plan you need at least 2 full time employees to join the plan.
Do small employers have to offer health insurance in Illinois?
Small Business in Illinois with less than 50 employees do no have to offer group health insurance as per state law. However, it is encouraged to offer group health coverage as a small business.
Health Care Insurance Plans, IL:
Finding the best health insurance companies in Illinois is important for a variety of reasons. For example, one of the most important factors is the amount of coverage and the cost of medical care. If you are on a tight budget and need to cover the most medical expenses, you might want to choose a silver plan with high coverage levels. You should also look for cheap premiums and flexible plans. The following article discusses some of the top choices for a health insurance policy in Illinois.
The cost of a health insurance policy in Illinois will vary depending on how many people will be covered. The youngest child will be covered at a flat rate until they reach age 14; older children will have higher premiums. For spouses, premiums will vary based on their ages. In addition, a health insurance policy in Illinois will cover dental and vision care. But it will cost a lot more if you are on a fixed income.
Although Cigna is available in some counties in Illinois, their plans are very affordable. Most of their plans cover dental and vision care and include a $0 deductible. Plus, 4 out of 5 people enrolling in a plan with Cigna receive a premium waiver. This is another good reason to choose a Cigna plan. The company also offers a customer service hotline that is open 24 hours a day.
What is the Best Health Insurance in IL?
The best insurance plan in IL is the one that accepts your providers and hospitals. All plans are unique to what your healthcare needs are. You should always look up your providers and make sure they are in network with the selected plan.
Learn More About Illinois Health Insurance Plans
We offer the best rated health insurance plans in Illinois. Individual health insurance plans, Medicare Health Insurance plans, Dental and Vision plans, and Group Health Insurance plans. Illinois health insurance plans gives you the flexibility to choose between HMO and PPO plans. Other than the ACA health insurance plans, there are Short Term Health Insurance plans offered in Illinois for a 6 months basis with optional renewal for up to 3 years.
We offer Illinois Short Term Health Insurance plans with different carriers and open networks. Like National General with their Aetna PPO Network, Pivot Health Insurance Plans with their Open Access Network aka as any Provider. In addition, we offer short term health insurance plans with UHC Golden Rule where you can see physicians participating in the national PPO network.
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