Illinois Health Insurance Quotes
"Technology has made it much easier for consumers to comparison shop for a wide variety of products, including insurance."-Former Illinois Insurance Director Nathaniel S. Shapo
Thank you for visiting InsureMe.com, your information source for Illinois health insurance quotes and information. We have been in business since 1993 helping consumers like you find quality, competitive Illinois health insurance quotes.
Our process is simple. Just fill out the "Get a free quote" box at the top of your screen, and we'll provide you with up to five free Illinois health insurance quotes within just 48 hours. Sound too good to be true? Well, try us and see!
Purchasing Illinois Health Insurance
Illinois residents are most commonly insured through a group plan sponsored by their employers. Unfortunately, those who are self-employed, between jobs, or not covered by an employer find it very difficult to find affordable health insurance.
Choosing the right Illinois health or medical insurance company can be critical to your well-being. The Illinois Department of Insurance recommends asking the following questions when considering purchasing an Illinois health insurance policy:
- Is the company/agent licensed?
- How long has the company been in business?
- What is the company's complaint ratio?
- How can I get in touch with the agent or company?
- How do agencies such as A.M. Best rate the company?
The Illinois Office of Consumer Health Insurance can help you determine the answers to these questions, as well as get answers to other insurance-related inquires. You may contact them toll free at 877-527-9431.
Helpful Insurance Shopping Tips
Shopping for Illinois health insurance can be a time-consuming, complicated process. Following are some tips to help make your search easier:
- Comparison shop using a quoting service like InsureMe to get the most coverage for the least money.
- Fill out your application accurately and completely.
- Make sure you understand what you are buying. Ask your agent or insurance company to clarify anything you don't understand.
- Verify all company/agent licenses to ensure their certification to sell insurance.
- Never permit high-pressure tactics. Report any abuse to the Division of Insurance.
- Do not be misled by advertising. You are the only one who can determine if a particular policy is right for you.
Illinois Health Insurance Subscriber's Rights
Illinois health insurance consumers are granted certain rights through Illinois state law. Regardless of what type of health insurance coverage you hold, you have a right to receive detailed information from your health insurance company about all the specifics of your health insurance policy. You also have the right to receive coverage for any necessary emergency services when your condition is serious enough to require immediate medical attention. You have the right to apply for a referral from your primary care physician when your condition requires ongoing care from a specialist. And, perhaps most importantly, you have the right to appeal decisions made by your Illinois health or medical insurance company.
Filing a Complaint
If you find you are unable to resolve a problem with your Illinois health care plan and you would like to file a complaint, contact the Division of Insurance online at www.ins.state.il.us, by email at consumer_complaints@ins.state.il.us, by fax at 217-558-2083, or by mail at 320 W. Washington St., Springfield, IL 62767.
More Information
For more information on Illinois health insurance, please refer to our health insurance FAQ section.
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