September 23, 2010 is an important date for Illinois and its residents. It marks the day when a significant number of healthcare reforms get implemented in the state. Here is a glimpse at what how health plans will change post September 2010.
- There will be ban on denying health plans to children under the age of 19 only because they have a pre-existing health condition. Insurers cannot deny claims for the treatment of pre-existing ailments as well.
- Health carriers will not be able to rescind health plans on the basis of unintentional glitches. Policies in Illinois will be cancelled only in cases of fraud and deliberate misrepresentation.
- Lifetime dollars limits on health plans will be eliminated and annual limits will be phased out. This will protect 7.5 million residents of Illinois from their coverage running out and thus paying huge out-of-pocket expenses.
- Wellness and prevention benefits like immunizations, flu vaccines and screenings will be provided to Illinois citizens at no extra costs.
- Women in Illinois will not have to pay higher premiums to get the same coverage as males od same age and health status. They would also no longer need prior authorization to consult an ob-gyn.
- Children in Illinois will be able to stay in their parents’ health plans till the age of 26. This will give them a medical cushion when they are going in higher studies or looking for suitable jobs.
- The patients’ choice of doctors will be protected and member of new plans would be able to pick any participating primary care provider.
- Insurance companies will have to develop an appeal process where residents of Illinois can settle their disputes over health plans.
- Insurance companies will be banned from dropping people from coverage when they fall sick, protecting 612,000 citizens of the state.
Those changes in healthcare facilities that will be effective from October1, 2010 are:
- Increased funding for the 570 Community Health Centers in Illinois so that the patient intake is doubled in the next 5 years. Funding will also go towards the construction of new centers.
- National Health Service Corps will receive $1.5 billion federal dollars to cater to the 17% of the Illinois population who live in underserved areas.
- Federal Medicaid funding coverage will be available to the low-income population of Illinois, irrespective of age, disability, health or family status.
The signing and the implementation of the Affordable Care Act will give Illinois to bring in changes that will ensure that there is a more efficient and cost-effective healthcare system in the state. The reforms will also make health plans universally affordable and accessible to the citizens of Illinois.
Low Income health insurance quotes in Illinois
Looking for Low Income health insurance Illinois is not difficult-it just requires a genuine concern shown by the customer. Agents, brokers, company representatives, online websites, web portals/platforms help the consumers to quickly land on various health insurance quotes.
When looking to get Low Income health insurance Illinois, some personal information is required, which may include:
- Date of birth of the applicant
- The gender of the applicant
- Height and weight of the applicant
- Does the applicant have any drinking or smoking habits?
- Any pre-existing medical condition?
- Any existing health insurance policy offering health coverage to the applicant?
Online websites, web portals/platforms use this information to match some health insurance plans that could be suitable to the Low Incomes. It goes without saying that providing correct information is very crucial in order to get suitable health insurance plans.
An Low Income health insurance quote should be able to provide the following information to the consumers:
- Level of medical coverage
- Monthly premiums
- Yearly deductibles
- Copay or coinsurance, if applicable
- Exclusions and limits
- How to claim reimbursement
- Pre-existing condition covered or not
Armed with this information, a consumer can quickly and easily decide which plan is the most suitable. It goes without saying that Low Income health insurance Illinois serve the purpose of consumers up to the very best extent.
