Illinois Health Insurance
As a resident of Illinois, you have plenty of Illinois health insurance options to choose from. There are multiple insurance companies in Illinois that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Illinois. See some of the state’s top health insurance companies and read about the important Illinois health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Illinois health insurance programs.
Not resident of Illinois? Find your state here.
If you would like to get free quotes and compare Illinois health insurance plans now, start with our simple form on the right.
Resources on this page
- Illinois Health Insurance Companies
- Illinois Health Insurance Laws and Regulations
- Public Health Insurance Programs for Illinois Residents
- Contact Info for the Illinois Department of Insurance and Public Health
The following list of companies offer health insurance plans in Illinois:
MEGA Life and Health Insurance Company
At The MEGA Life and Health Insurance Company, the focus is on personalizing a health plan that meets your needs.
Illinois Health Insurance Laws and Regulations
There are several Illinois health insurance laws and regulations that protect policyholders living in the state.
All Illinois health insurance plans under state laws must cover certain medical care services. Those medical services include:
- Screening for breast, cervical, colorectal, and prostate cancer
- Certain diabetes-related care
- Continuity of care for pregnant women
Illinois health insurance law also requires mental health parity, which means mental health conditions must have the same coverage limits and maximums as physical conditions.
In addition, state law requires all Illinois health insurance plans to be guaranteed renewable no policy can be cancelled because a policyholder ages or becomes sick. For managed care Illinois health insurance plans such as HMOs and PPOs, however, residents must stay in their service area to have guaranteed renewable coverage.
Illinois policyholders can also be protected under the federal laws HIPAA and COBRA.
Illinois Public Health Insurance Programs
There are a few different public Illinois health insurance programs to assist low-income residents in getting access to insurance coverage and health care. These programs include:
- Medicaid
The Medicaid program in Illinois provides health care for some low-income residents and those with very high medical bills. To learn more and see if you qualify for Medicaid coverage, visit http://www.hfs.illinois.gov/.
- Illinois Comprehensive Health Insurance Plan (CHIP)
If any Illinois resident is turned down for health insurance coverage because of a pre-existing condition, they may be eligible for the CHIP program. CHIP offers a managed care PPO plan. Learn more about Illinois health insurance program for children, CHIP, on its website.
- Illinois All Kids Program
The Illinois All Kids program includes KidCare for children and pregnant women and children's Medicaid. Uninsured children under the age of 18 in low-income families qualify for All Kids coverage. To find out more about this Illinois health insurance program, visit the program's website.
- Illinois Breast and Cervical Cancer Program
Certain women living in Illinois who have been diagnosed with breast or cervical cancer may qualify for health care coverage for cancer and non-cancer-related medical care through Medicaid. For more information on IBCCP, visit them online.
Some workers and early retirees may qualify for the Federal Health Coverage Tax Benefit to help them purchase a plan for themselves and their families. To learn more, visit the Internal Revenue Service (IRS) online.
Illinois Department of Insurance and Public Health
Find the contact information for the Illinois health insurance and public health departments at:
Illinois Division of Insurance
320 W. Washington Street
Springfield, IL 62767-0001
Phone: (217) 782-4515
Fax: (217) 782-5020
http://www.idfpr.com/DOI/Default2.asp
Illinois Department of Public Health
535 West Jefferson Street
Springfield, IL 62761
Phone: (217) 782-4977
http://www.idph.state.il.us/
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