Health insurance can be confusing, complicated and difficult to understand. Finding and getting affordable health insurance isn't easy. If you have low income, help may be available to you through state and public programs if you cannot afford private health insurance.
topics: affordable health insurance in Illinois: Illinois Health Insurance Plans: Affordable Health Insurance, Low Cost Health Insurance through state insurance programs; COBRA; Unemployed, Uninsured
web site: FamilyCare languages: English from the web site: "...If you have health insurance and your family income qualifies for FamilyCare Share, Premium or Rebate, you have a choice. FamilyCare Rebate helps to pay for your insurance premiums. FamilyCare Share and FamilyCare Premium provide a medical card to help cover medical services that your plan does not cover..."
also from FamilyCare: web page: FamilyCare Monthly Income Standards languages: English from the web site: "Find the size of your family in the first column. Be sure to count yourself. Read across the row to see where your monthly gross income falls. That will tell you which FamilyCare plan you may be able to get...
source:Illinois Comprehensive Health Insurance Plan | ICHIP languages: English from the web page: "...The Traditional Plan is a Preferred Provider Organization (PPO) plan available only to eligible persons who qualify for coverage because they have been denied major medical coverage due to their health by private insurers and are not eligible for Medicare... The Medicare Plan is the only plan available to eligible persons who are enrolled in both Parts A and B of Medicare due to disability or end-stage renal disease since they are ineligible for all other CHIP benefit plans... "
also from Illinois Comprehensive Health Insurance Plan : brochure: Eligibility Requirements, Description of Benefit Plans and Summary of Coverage languages: English from the brochure: "...This brochure briefly describes the eligibility requirements and application procedures for CHIP, and the various benefit plans offered by CHIP. It includes a Summary of Coverage which describes the benefits, limitations, exclusions, continuation, renewal and termination provisions. THIS BROCHURE IS NOT A LEGAL DOCUMENT. ..."
web page: Medicare and Traditional Plan Eligibility languages: English from the web page: "...The Medicare Plan is for persons under 65 who are eligible for and enrolled in Medicare Parts A & B because of a disability. This is not a Medicare supplement..."
Illinois Health Coverage Tax Credit (HCTC) Program
source:Internal Revenue Service | United States Department of the Treasury languages: English from the web page: "...two separate lists of state-qualified health plans for the state of Illinois, each serving a different purpose. Please review the information under each heading to determine which list is most appropriate for you..."
also from Internal Revenue Service | United States Department of the Treasury
: web page: HCTC: The Yearly HCTC languages: English from the web page: "...With the yearly HCTC, you pay your health plan premiums in full and then claim the credit on your tax return. The credit is refunded or applied as a credit toward you year-end taxes. This page provides general information on how the yearly HCTC works..."
...You can qualify for the CHIP-HCTC plan if you…
•are TAA or PBGC Certified;
•have at least three months of prior creditable coverage;
•are a resident of the state of Illinois;
...
source:The Illinois Medicaid Project languages: English from the web page: "...Children's Medicaid in Illinois; Children's Health Care: All Kids and FamilyCare... "
Insurance for Pre-Existing Condition, Chronic Medical Problem Coverage
source:HealthCare.gov - U.S. Department of Health & Human Services languages: English from the web page: "...Eligible undefined residents of Illinois can apply for coverage through the state’s Pre-Existing Condition Insurance Plan program run by the Illinois Departments of Insurance and Public Health
Public Health ..."
source:Illinois Department of Insurance English from the web page: "...What is the Illinois Pre-Existing Condition Insurance Plan? In Illinois, the federally-funded temporary high risk pool is known as the Illinois Pre-Existing Condition Insurance Plan (IPXP). The IPXP will be a transitional insurance program for uninsured Illinois residents. The IPXP is not a public aid or entitlement program. Enrollees will be required to pay a premium and out-of-pocket costs..."
also from Illinois Department of Insurance: brochure: Illinois Preexisting Condition
Plan languages: English from the brochure: "...If you have been uninsured for at least 6 months - and - if you have a preexisting medical condition IPXP wants to help!..."
source:Kaiser State Health Facts languages: English from the web pages: "...Has High Risk Pool Program Yes 34... Pool Open Only to Medically Eligibles No 3... Pool Open to HIPAA Eligibles ... Pool Open to Medically Eligibles..."
source:AIDS LEGAL COUNCIL OF CHICAGO languages: English from the brochure: "...People may have told you that because you're HIV positive, you'll never get health insurance. This isn't necessarily true. It may be difficult to get certain types of insurance if you're HIV positive – for example, an individual health or life insurance policy. But people with HIV can and do get insurance every day. This booklet will help you understand how...."
"With the high costs of medical care, maintaining health coverage is very important to most individuals and families. Illinois law does not require employers to provide health benefits for their employees or their families. However, if you are covered by an employer's health benefits, loss of coverage can be devastating...."
"...This fact sheet provides specific information on the Illinois Continuation Law (also referred to as mini-COBRA in this Fact Sheet) and compares its basic provisions to three other continuation laws: the Illinois Spousal Continuation Law, the Illinois Dependent Child Continuation Law and the federal continuation requirements under COBRA (the Consolidated Omnibus Budget Reconciliation Act)...."
source:Georgetown University Health Policy Institute languages: English from the web page: "...If you are leaving your job and you had group coverage, you may be able to stay in your group plan for an extended time through COBRA coverage..."
source:Illinois Legal Aid Online languages: English, Spanish from the web page: "...There’s an 11 month “disability extension” of COBRA benefits, but you must be officially disabled within 60 days of leaving work. If you’re not disabled now, you might still qualify for the extension, but it will tough... "
source:Physicians News Digest languages: English from the web page: (warning: may be out-of-date)"...Some of the most confusing legislation in the HR arena is the Consolidated Omnibus Budget Reconciliation Act (COBRA). Passed by Congress in 1986, this law provides continuation of group health coverage that might otherwise be terminated when an employee leaves your practice..."
Illinois Health Insurance: Basics; Consumer Guides to Health Insurance IL
source:Illinois Department of Insurance languages: English from the web page: "The Office of Consumer Health Insurance is a consumer assistance office that helps you with your health insurance problems and questions..."
source:Georgetown University Health Policy Institute file size: 45 pg.; languages: English from the brochure: "...As an Illinois resident, you have rights under federal and state law that will protect you when you seek to buy, keep, or switch your health insurance, even if you have a serious health condition. This guide describes your protections as a Illinois resident...."
source:Foundation for Health Coverage Education 2 pages; languages: English, Spanish from the brochure: "...hand-held guide available that outlines your state’s (Louisiana) public and private health care choices for individuals and groups in almost every demographic profile, as well as offers a reference list of phone numbers and Web sites..."
source:CoverTheUninsured.org file size: 9 pg.; languages: English from the brochure: "...…there are programs that provide health insurance to some people who cannot afford to buy it on their own. You or your family members may qualify, even if you work. However, these programs have income and asset limits. In Illinois, the main programs are Medicaid and Illinois KidsCare...."
source:Blue Cross Blue Shield of Illinois file size: 4 pg.; languages: English from the web page: "The three most common types of health insurance plans are Health Maintenance Organizations (HMOs), Participating Provider Options (PPOs) and Consumer Directed Health Plans (CDHPs)..."
source:Illinois Department of Insurance languages: English from the web page: "Consumers Call Toll-Free (Within Illinois)
...Health Insurance and HMO Inquiries..."
Illinois Health Care: State Programs (Free Health Care, Low Cost Health Care)
source:Illinois Breast and Cervical Cancer Program languages: English, Spanish from the web page: "...The Illinois Breast and Cervical Cancer Program offers free mammograms, breast exams, pelvic exams and Pap tests to eligible women. Even if a woman has already been diagnosed with cancer, she may receive free treatment if she qualifies. Since the program was launched in Illinois in 1995, more than 102,000 women have been screened for breast and cervical cancers..."
also from Illinois Breast and Cervical Cancer Program: web page: Eligibility/How to Apply languages: English from the web page: "Am I eligible to receive a free screening through the Illinois Breast and Cervical Cancer Program? You may be able to receive free services if you are a woman:
Living in Illinois... Without insurance... 35 to 64 years old..."
source:Illinois Healthy Women languages: English, Spanish from the web page: "...Illinois Healthy Women covers family planning and birth control services for Illinois women. Illinois Healthy Women also covers related reproductive healthcare if a woman gets this care during her family planning visit. The Illinois Healthy Women program is voluntary and all services are confidential..." información en español:Illinois Healthy Women Folleto
also from Illinois Healthy Women: web page: Family Planning Services Covered by Illinois Healthy Women languages: English from the web page: "Physical exam and health history.
Patient education and counseling about women's health, family planning and how to plan for a healthy pregnancy if and when you want to have a baby. Birth control. Pap tests."
source:Centers for Disease Control and Prevention languages: English, Spanish from the web page: "...The Illinois WISEWOMAN program uses the “Be Wise” Lifestyle curriculum, which has been adapted from the Illinois WISEWOMAN Lifestyle Intervention templated by the Center of Excellence for Training and Research Translation (http://www.wiseinterventions.org*)..."
source:National Association of Community Health Centers (NACHC) languages: English from the brochure:"Community, Migrant, and Homeless Health Centers are non-profit, community-directed providers that remove common barriers to care by serving communities who otherwise confront financial, geographic, language, cultural and other barriers."
also from National Association of Community Health Centers (NACHC): web page: Find a Health Center languages: English from the web page: "If you need affordable health care, a Community Health Center may be what you're looking for... Click here to find the health center closest to your address or to see a list of health centers in your state or county/parish..."
"Federally-funded health centers care for you, even if you have no health insurance. You pay what you can afford, based on your income. Health centers provide
•checkups when you're well
•treatment when you're sick
•complete care when you're pregnant
•immunizations and checkups for your children
•dental care and prescription drugs for your family
•mental health and substance abuse care if you need it..."
source:Illinois Department of Insurance languages: English from the brochure: "The Uninsured Ombudsman Program may be able to assist you by: •Explaining continuation rights under an existing health plan •Providing help on how to shop for health insurance •Providing information on state and federal programs that may be available including but not limited to:."
source:Illinois Cares Rx languages: English from the web page: "To qualify for Illinois Cares Rx, people with Medicare MUST: apply for Medicare "Extra Help" from Social Security - be in a coordinating Medicare drug plan to maximize benefits..."
source:Illinois Legal Aid Online languages: English from the web page: "Advancing age usually results in an increase of health-related problems and a decreased ability to pay for treatment of these problems. Adequate health insurance is necessary to protect your money and resources saved for retirement..."
source:Illinois Department of Insurance languages: English from the web page: "The Senior Health Insurance Program (SHIP) is a free statewide health insurance counseling service for Medicare beneficiaries and their caregivers. SHIP is sponsored by the Illinois Department of Insurance..."
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