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Category: Health Insurance

Get affordable Illinois health insurance for individuals

Posted on January 28, 2016 in Health Insurance

Trying to find the best affordable Illinois health insurance for individuals should be relatively simple and straightforward, but honestly it is usually anything but.

Sure, the Affordable Care Act (the ACA) was designed to streamline and simplify health insurance significantly, but honestly, it added a lot more complexity to the process that has people struggling to get the help and insurance that they need and deserve.

To help you better navigate the health insurance landscape as it exists today, you’re going to want to make sure that you use the tips and tricks we share with you below.

Pay close attention to your medical services network

You are going to want to pay specific attention to the medical services network that your affordable Illinois health insurance for individuals plan provides.

A lot of people going to the health insurance purchasing process with the assumption that they’ll be able to leverage their insurance coverage at any and every medical facility in the United States. Nothing could be further from the truth in most circumstances.

For your insurance to “kick in”, you’ll almost always have to leverage services at medical facilities inside of your insurance network, or you may be responsible for paying for a bigger chunk of the medical services than you would have had to otherwise.

Make sure that your network is robust and filled with exceptional facilities that you’ll be comfortable moving forward with.

Verify that you have pre-existing condition coverage

Secondly, you’re going to want to make sure that the best affordable Illinois health insurance for individuals you are able to find provides plenty of pre-existing condition coverage.

Thanks to legislation in the ACA, every insurance agency has to accept customers whether or not they have pre-existing conditions that would have disqualified them from coverage in the past.

At the same time, not all plans are going to provide top quality coverage for those with pre-existing conditions (though they won’t be disqualified for purchasing insurance), so this is something that you’ll need to understand and really explore.

You may have to spend a little bit more for your insurance that completely covers pre-existing conditions, but it’s almost always going to be worth it.


Understand your deductibles and the claims process

Finally, you’re going to want to be sure that you understand what you’re going to be on the hook for as far as your deductibles are concerned (most people are going to have to pay a portion of all medical services that they take advantage of). You’re also going to want to make sure that you understand the claims process and how to navigate it as effortlessly as possible.