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Health insurance is designed to protect you and your family from large out-of-pocket medical expenses that can accumulate during an illness or hospital visit. Health insurance can be expensive. Many employers provide some basic medical insurance under a group policy availabe to company employees. If you are unemployed, self-employed or if your employer does not provide medical coverage you can usually purchase it independently through an insurance agent or broker. Health insurance helps pay for out-of-pocket expenses for diagnosis and treatment of covered medical conditions. It is important to choose a plan that best fits your budget, age, family needs and lifestyle.

There are generally two categories of medical insurance known commonly as indemnity or managed-care plans. The major differences between the two categories are evident in how you choose your provider, how out of pocket costs are handled and how bills get paid. For example, under an indemnity policies you usually can choose any doctor or hospital that you wish when seeking services. Under a managed-care plan, you either select a primary care physician who treats and directs all health care for you or you are given a list of preferred providers from which you can chose any provider. Under indemnity plans, you often to pay upfront and are reimbursed after a deductible is applied. Under a managed care plan, providers agree to perform services for patients at pre-negotiated rates and usually the provider handles the claims processing for you.

The Illinois CHIP (Comprehensive Health Insurance Plan) program provides health insurance coverage to Illinois residents who otherwise would not have it due to a pre-existing condition, their premiums are too expensive or they are otherwise uninsurable. You must meet certain eligibility requirements to be accepted under the plan including:

• You were denied individual health insurance coverage because of a pre-existing condition
• You are currently covered under a health insurance policy or have been offered a policy which provides similar coverage to CHIP but the premiums are more expensive than under the CHIP program
• You have one of the 31 presumptive eligibility conditions defined under the program
• You are a federally eligible individual as defined under the program

You must pay a premium to participate in the CHIP program. The amount of your premium is determined by several factors including the type of coverage you elect, the deductible you select, your age, gender and where in the state you reside. Be sure to talk with an insurance agent for more information on eligibility requirements, costs and benefits provided under each of these programs.

Our customers come from Chicago, Aurora, Rockford, Joliet, Naperville, Springfield, IL and other great cities in the prairie state to find low cost medical insurance from top rated insurance companies. Our Illinois insurance agent and broker referral network can help you compare rates using one simple form process.