Temporary Health Insurance in Illinois
No one knows what life will bring. You can plan for the future, but be prepared for the unexpected. Illinois residents are well aware of this unpredictability. While the economy in the state is vibrant and varied, individuals may hit the occasional downturn. Others find themselves between jobs—and health insurance plans.
Having continuous, adequate health insurance can be challenging. One minute, you are covered by your employer’s group health plan, and the next minute, you no longer have that job. Temporary health insurance can be your salvation until you find your next profession. There are many affordable options for these uncertain times.
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Illinois Health Insurance Information for Temporary Situations
Illinois citizens who are in a period of transition and who need temporary health insurance often are in one of these categories:
- A recent college graduate, but without a job. These former students are no longer covered by their parents’ health insurance, and will not be covered by an employer’s group policy until they land that dream job.
- Recently divorced or widowed. While these individuals may have been covered by a spouse’s health insurance policy, they will need to find their own policy and may need a temporary haven while they sort out their lives.
- Recently unemployed. These people lost their health insurance benefits when they lost their jobs. While they are eligible for COBRA, it is expensive. They may want to find a more economical short-term health insurance solution while they find new employment.
Options for a Temporary Health Insurance Solution Include:
- COBRA continuation of coverage: If you were covered by a group policy, you have the right to continue that coverage for eighteen months, as long as you pay the premiums. You have sixty days to make the decision to continue.
- Personal temporary insurance policies: There are affordable temporary health insurance policies which provide coverage for six months or a year that can cover major medical emergencies. These plans are usually less expensive than COBRA and may be enough coverage for the transition time until you have group coverage with another employer.
- Individual insurance policies: Many health insurance companies offer economical individual policies. You may be able to find an individual policy with the same group that covered you while you were employed.
