Illinois Health Insurance Solutions
Illinois, known as,” the Prairie State,” serves as the geographical heart of the United States. With big cities and small towns, agriculture and industry, Illinois is a microcosm of America.
Healthcare is no exception. High-quality Illinois hospitals offer the latest in medical research and technology.
A good healthcare system often means having many choices, which can be overwhelming. Be sure to read through the information and choose what is best for you. It is important to be sure that you and your family are covered before an accident or illness occurs.
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Basic Types of Health Plans
The many health coverage options available can be overwhelming, but if you focus on what is important to you, finding proper health insurance boils down to a few questions:
- How much do you want to spend?
- Can you work within a network of doctors or hospitals, or do you want the freedom to choose your doctor?
- Would you like your preventive care (checkups) covered?
- How often do you and/or your children go to the doctor?
You may have other specific concerns, but the important thing is to prioritize before making this crucial decision. Here is a basic breakdown of what the different types are:
- Health Maintenance Organizations (HMOs)– Usually the least expensive for the most services. Preventive care is covered, but you have less freedom in choosing your physicians.
- Preferred Provider Organizations (PPOs) – Include a larger selection of doctors, and are still affordable.
- Point-Of-Services (POS) – HMO-style care with greater freedom to choose doctors. You pay a little more for this freedom in the form of “fee for service.”
- Self-Directed Health Plans (SDHPs) – Budget plan with “up-front cash” for some preventive care.
- Health Savings Account (HSA) Plans – Fairly inexpensive plans with a tax-advantaged account to help you save for healthcare expenses.
- Fee-For-Service (“Indemnity”) Plans – Allow the most freedom to select doctors, but are normally more expensive.
- Prescription (or Pharmacy) Plans – Help cover the cost of prescription drugs.
- Small Group Solutions – Allow employers to protect their workers.
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