Individual and Family Health Insurance In Illinois

If you cannot obtain health insurance through an employer, you will want to consider buying an individual Major Medical health insurance policy.  New changes in an Illinois law Public Act 95-0958 regarding dependent coverage is effective June 1st 2009.  It gives parents with insurance policies that cover dependents the right to elect coverage for qualifying dependents up to age 26 and up to age 30 for military veteran dependents.  Depending on the plan and health conditions of a child this may or may not be the best choice.  Often times a policy for a healthy 20 something is far less than being on a family plan with no other dependents.  For more information see Dependent Coverage FAQ.

Individual Major Medical coverage is an insurance policy issued directly to an individual or family.  It can provide coverage for hospitalizations, physician visits, medical services and supplies, and may cover other items such as prescription drugs.

You do not need individual major medical coverage if you are covered through a group plan with your employer. Generally, persons who need individual policies are self-employed and not eligible for group coverage, unemployed persons, those whose benefits have been exhausted under a state or federal health insurance continuation plan COBRA, or employees of companies that offer no medical benefits. When purchasing individual major medical coverage, your goal should be to insure yourself and your family against the most serious and financially disastrous losses that can result from an illness or accident. Look for a policy that will cover the major expenses and provide the highest possible lifetime maximum. You can save money on the premiums, if necessary, by taking large deductibles and paying smaller costs out-of-pocket.

With personal service, our agency can provide information on coverage available in your area.  Through extensive research we can tell you whether or not a company is licensed; the number of complaints filed against specific companies; and the A.M. Best rating for a company if one is available.

To receive an online health insurance quote for you or your family, please fill out our online form.  Quotes will be sent back to you promptly from the six companies we represent. Blue Cross Blue Shield, Aetna, Humana, Assurant, UnitedHealthOne and Unicare