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How to Find Affordable Health Insurance in the State of Illinois

Illinois Affordable Health InsuranceThe Illinois Department of Healthcare and Family Services is the state agency responsible for taking steps to ensure its citizens have choices in affordable health care insurance.

Citizens who qualify for the medical assistance programs must be 65 or older, blind, disabled, pregnant or with children under age 19. Income guidelines apply.

All Kids is a health insurance program for children under 18. Several income guidelines help determine how much assistance families will receive under this program and how much they will pay for premiums. In some cases, premiums are at no cost, or as low as $15 per month for one child.

Under the FamilyCare Program, monthly family income is limited to no more than $2,555 for a family of four, for example. Co-pays for medical services and prescriptions are very low - ranging from $2 to $3.65. In addition, the Medical Savings Plan (MSP) offers three program levels of insurance benefits for low-income citizens.

Illinois' Comprehensive Health Insurance Plan (CHIP) has two programs. The first is is the Medicare Plan for people already enrolled in Medicare Part A & B due to disabilities. The benefits of this program kick in after medical treatment costs are first applied to Medicare. The second program is the Traditional Plan for people who are not on Medicare but have been denied coverage due to their health. Five deductible levels are offered under each plan.

Illinois Affordable Health Insurance Programs:
www2.illinois.gov/hfs/

Illinois Department of Public Health:
www.idph.state.il.us


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