When it comes to our future health and finances, it is best to hope for the best but plan for the worst. There is no better way to do that than to get insurance. Existing for just about everything, insurance provides financial protection and helps to make certain things possible due to its coverage. For example, people with health insurance have some protection over incredibly high medical bills as well as the affordable care necessary to see a doctor for preventative health screenings. If you are looking to get health insurance quotes in Illinois, then you are in luck! Let’s spend a moment reviewing your options now.
Are You: 65 Or Below, and Earning Very Little Or In Between Work?
Medicaid is available to all individuals who are below the age of 65 and who do not earn enough or are between jobs. To get this form of health insurance, you have to sign up through the government and prove your current earnings. While the process can be time intensive, it will typically result in you getting Medicaid, backlogged in coverage to the moment you signed up. Be sure to make copies of all documents and feel free to occasionally call to see the current state of your application.
Are You: 65 Or Below, And Either Retired Or Have No Other Health Insurance Plan?
If this is so, then your primary option for Illinois health insurance coverage is Medicare. Like Medicaid, Medicare exists as a safety net to ensure that everyone has some level of coverage. Just like Medicaid, you sign up through the government and work with them to see whether or not you qualify.
Are You: Employed But Have No Coverage?
Because of the Patient Protection And Affordable Care Act, Illinois has a joint partnership with the national government to create an exchange for you to use to find coverage. In order to get health insurance quotes in Illinois through the exchange, you must go in to a location or sign up online to look through what options are available to you. More often than not certain fee waivers can be given to help reduce the overall cost of health insurance.
Are You: Employed And Have Coverage?
If your current place of employment provides health insurance, than you will be able to select through the options they provide to see what works for you. Typically coverage will range on a sliding scale. Contact your HR department to learn more about what is available to you and how to go about changing the cost.