Illinois: Health Insurance Options And Alternatives

In Illinois, Pivot Health offers consumers quality health insurance plans that have a variety of coverage level options. Plans include those listed below. Individuals and families in the state of Illinois can choose insurance coverage to meet their needs and the needs and budget of their family.

  • Short Term Medical Insurance – This coverage plan provides comprehensive medical insurance and includes benefits for physician visits, in-hospital care, urgent care facility visits and much more. This plan offers consumers the freedom to choose and use any doctor or hospital, rather than being restricted to a provider network. With Pivot Health, it is easy to apply online. Within minutes after applying, you will know if you are approved for the plan. Those who qualify for the plan can begin their coverage on a date they select or within 24 hours of when they apply.
  • Supplemental Insurance Coverage – To help you pay for high deductibles and other out-of-pocket expenses, this coverage provides cash benefits. You can use the insurance benefits of this plan to pay for out-of-pocket medical costs, such medical insurance deductible or coinsurance, or you can use some or all of it to pay other expenses. When you have a serious accident or illness, there are often additional expenses besides medical costs. This supplemental coverage can be part of your total insurance protection package even if you already have health insurance coverage through a group major medical plan at your place of employment or an individual major medical plan you have purchased.

Pivot Health short term health plans also provide a number of extra non-insurance benefits:

Telehealth doctor consultations.
This service is available 24/7 and includes an unlimited number of telehealth visits.
Eye care and eyewear savings.
Your discounts are 15 percent to 40 percent on purchases and services including eye exams, lenses, frames and contact lenses.
Prescription drug savings.
You can save up to 75 percent on prescriptions at thousands of pharmacies all across the country.

Illinois—Individual Health Insurance Rates Skyrocketed in 2017

In Illinois, premium rates on the health insurance exchange skyrocketed, with increases averaging:

  • 44 percent for the lowest-cost individual Bronze plan
  • 45 percent for the lowest-cost individual Silver plan
  • 55 percent for the lowest-cost Gold plan

The Chicago Tribune listed a couple of examples: a 27-year-old will pay an average of $298 per month for the second-lowest cost Silver plan, which is a 43 percent increase over 2016 average rates. A family of four with no tax credits will pay an average of $1,078 for the same second-lowest cost Silver plan.

The Tribune also reported that there will be fewer insurance plans from which to choose in 2017, and only one insurer, Blue Cross Blue Shield, is offering PPO plans on the Illinois exchange in 2017. HMO plans offered by the other insurance companies do not provide out-of-network options.

Illinois ranks 37th among all 50 states in the Gallup-Healthways State of American Well-Being performance. States were ranked in five categories.

  • Illinois’ highest ranking was Physical (having good health and enough energy to get things done daily): 24th.
  • Illinois’ lowest ranking was Community (liking where you live, feeling safe and having pride in your community): 46th.

In addition, another national scorecard that compares health and health care shows that Illinois, like many other states, continues to have real challenges to improve the health of its citizens.

Illinois ranked in the lower half of states on deaths due to breast cancer and colorectal cancer, overweight or obese children, children aged 19-35 months receiving the recommended vaccines and adults obtaining the recommended health screenings and preventive care.

On the positive side, Illinois had a lower rate of uninsured children and suicide deaths, compared to the national average.

With the increasing premium costs for major medical insurance in Illinois for 2017 and the continuing health concerns for adults and children, it is important that Illinois residents have a wide range of insurance choices. With growing uncertainty on eventual changes may be made in the health care in Washington, the need for more choice is even more critical.

In Illinois, Pivot Health offers choices that will help you meet your needs and your budget.

  • Short term health insurance in Illinois provides comprehensive coverage at a fraction of the cost of major medical insurance coverage.
  • Supplemental health insurance in Illinois provides the choice of financial protection for gaps in coverage for those with high deductible major medical insurance plans. Most people who are covered by individual major medical plans or health plans sponsored by their employers have high deductibles and high out-of-pocket maximum amounts. These out-of-pockets costs are difficult for many consumers to pay. Supplemental health insurance from Pivot Health provides economical protection for those people.

The State of Health in Illinois

The 2017 Commonwealth Fund’s Scorecard on State Health System Performance gave Illinois an overall ranking of 27 out of 51 (the 50 states plus the District of Columbia).  This is the most recent version of the organization’s scorecard of its comparison for states in the U.S.  The Commonwealth Fund’s Scorecard rated Illinois in several areas, including:

  • Uninsured adults aged 19 to 64: 19th ranking (10 percent in Illinois, compared to the U.S. average of 13 percent)
  • Uninsured children ages 0 to 18:  3rd ranking (3 percent, compared to the U.S. average of 5 percent)
  • Adults who went without care because of cost in the previous year:  13th ranking (11 percent in Illinois, compared to the U.S. average of 13 percent)
  • Individuals under age 65 with high out-of-pocket costs relative to annual household income:  20th ranking (14 percent, the same as the U.S. average of 14 percent)
  • At-risk adults who did not have a routine doctor visit in the previous two years:  19th ranking (12 percent in Illinois, compared to U.S. average of 13 percent)
  • Adults that did not visit a dentist in the previous year:  27th ranking (16 percent, the same as the U.S. average of 16 percent)
  • Adults with age- and gender-appropriate cancer screenings:  34th ranking (66 percent in Illinois, compared to the U.S. average of 68 percent)
  • Hospitalized people who said the hospital staff managed pain well, were responsive to calls for help and who explained medications and their side effects:  29th ranking (68 percent, the same as the U.S. average of 68 percent)
  • Breast cancer deaths per 100,000 females: 36th ranking (21.9 in Illinois, compared to U.S. average of 20.6)
  • Colorectal cancer deaths per 100,000 people: 32nd ranking (15 percent, compared to the U.S. average of 14.3 percent)
  • Suicide deaths per 100,000:  8th ranking (10.5 in Illinois, compared to U.S. average of 13 percent)
  • Adults who report fair or poor health or activity limitations: 13th ranking (23 percent, the same as the U.S. average of 26 percent)
  • Adults who smoke:  9th ranking (15 percent in Illinois, compared to the U.S. average of 17 percent)
  • Adults who are obese: 30th ranking (31 percent, compared to the U.S. average of 29 percent)
  • Children (ages 10-17) who are overweight or obese: 37th ranking (34 percent in Illinois, compared to the U.S. average of 31 percent)
  • Percent of adults who have lost 6 or more teeth due to decay or disease:  10th ranking (8 percent, compared to the U.S. average of 10 percent)

Illinois scored positive rankings in these additional categories:

  • Adults with a usual source of care
  • Children with medical and dental preventive care visits in the past year
  • Medicare patients whose health provider always listens, explains, shows respect, and spends enough time with them
  • Home health patients who improved at walking or moving around

2017 Health Insurance Plans in Illinois

The following health insurance companies were offering individual major medical insurance in the state of Illinois for the year 2017, according to the Illinois Department of Insurance. Some of these companies only offer individual plans off exchange:

  • Celtic Insurance Company
  • CIGNA Healthcare of Illinois Inc.
  • Health Alliance Medical Plans, Inc. (“HAMP”)
  • Health Care Service Corporation, a Mutual Legal Reserve Company (“HCSC”, dba Blue Cross Blue Shield of Illinois) [statewide]
  • Humana Health Plan, Inc.
  • Freedom Life Insurance Company of America [statewide]
  • IlliniCare Health Plan
  • Harken Health Insurance Company
  • Aetna
  • Coventry

Pivot Health offers

  • Short term health insurance in Illinois
  • Supplemental health insurance in Illinois

Medicaid Enrollment in Illinois

Illinois adopted Medicaid expansion effective on January 1, 2014.

More than 3 million were enrolled in the Medicaid and CHIP (children’s health) program as of November 2016. That is an 18 percent increase since before the Medicaid expansion in 2014.

The eligibility standards for Medicaid in Illinois are:

  • Children up to age 18: up to 142 percent of federal poverty level (FPL) income. Separate CHIP program uses eligibility of 313 percent of FPL income.
  • Pregnant women: up to 208 percent of FPL income
  • Adults: up to 133 percent of FPL

Your Health Care Coverage Choices

While the uninsured rate for children is low in Illinois, compared to other states, the uninsured rate for adults is average, about 14 percent. This figure also does not include those who may be underinsured.

For those in Illinois without health insurance, Pivot Health offers:

  • Short Term Health Insurance — coverage that can meet your benefit and budget needs, at a lower cost.
  • Supplemental Insurance Coverage — to help protect you from high deductible, coinsurance and other out-of-pocket medical and miscellaneous expenses. Many consumers with high deductible plans have difficulty meeting out-of-pocket requirements.

Pivot Health means more choices for you. We provide you the ability to pivot as needs change for you and your family.

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