Thanks to the health care reform act that has been pushed through by President Obama, it is now a requirement to possess health insurance. This means that if you are a resident of Illinois, you must purchase Illinois health insurance from the state, an individual provider like this, or through your workplace to be considered covered. Without insurance you will be fined at tax season for not having insurance and due to the high cost of this fine you may lose your income tax return before you can even decide what you plan to do with it.
Finding The Right Insurance
Depending on whether you can get insurance through your workplace (which is highly recommended) or not, there are many options you can choose from for your Illinois health insurance. While many workplaces offer insurance policies to their full time employees, many people are forced to look elsewhere for their health coverage. You can choose to purchase insurance through the state, go through an individual provider, or hope for Free State coverage through Medicaid. Depending on what you decide to do, you will need to file the proper paperwork and apply for the coverage options that you have available to you.
The state provides Illinois health insurance through their Get Covered website and offer insurance through a wide variety of different providers for a discounted price. This is a great opportunity if you want to ensure you don’t lose your current health provider and don’t want to rely on Medicaid for your health insurance. You can also choose to apply for state provided Medicaid if you cannot afford your own health insurance and meet the qualifications that the state has created. Medicaid is generally for those who fall far below the poverty line and have children, but research the qualifications to ensure you are eligible.
There are dozens of individual providers that you can choose from and to find the right price for your Illinois health insurance policy, you should request a variety of quotes. You will then need to read through these quotes and ensure that you can afford the policy as well as being happy with the coverage you are provided before purchasing. It is also recommended that if you already have doctors that you trust for your health care needs that they will accept the policy from the companies you choose to avoid having to change doctors.