Illinois State Health Insurance Plans

Illinois state health insurance plans provide coverage for primarily children and some categories of adults for a low cost fee. There are a few different plans that you may fit into. The criteria are a bit narrow but you may qualify.

A couple of the plans are geared toward people that have been turned down for health insurance by private health insurance carriers. There are a couple of plans that are geared specifically toward children. Some are geared toward seniors. None of these plans are free. Some require very low premiums and co-pays but they are not free.

The requirements for anyone of these plans are strictly adhered two and sometimes it is hard to figure out which category you actually fall into. Let's take a look at some of the plans and what the requirements are.

The Traditional Plan

This plan is for folks that have been denied health insurance do to a pre existing condition or if the premium is higher than the premium for CHIP and the benefits are substantially the same. To apply for this plan you have to have at least one denial letter from a private carrier. You may also qualify if you have one of 31 presumptive conditions in which case you will not need a denial letter just proof from your doctor of the presumptive condition.

This plan provides health care through Blue Cross Blue Shield providers. It is a rather comprehensive plan but there is one major problem. Enrollment is limited each year because of budget issues. So it may be extra difficult to get into this plan.

The HIPPA Plan

The HIPPA plan is for folks that have exhausted COBRA extension plans. Most likely, if you lost your job because your job closed down or moved out of the country, you opted for COBRA coverage to keep your old health plan going. Once that COBRA coverage is done with and you still do not have a new job you can apply for HIPPA.

This plan is eligible only to federally eligible individuals.

The HCTC Plan

The HCTC plan

If you are TAA certified than you may be eligible for the HCTC plan.

Confused Yet?

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