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Health Insurance Tips
WE CAN HELP — Our health care experts are working to provide you with the resources you need to make the most of new health care consumer protections and tools.
Get The Best Deal On Health Insurance
Looking for health coverage? The Health Insurance Marketplace could save you time and money.
1. Check out new options at Get Covered Illinois. The plans include coverage for doctor visits, hospitalizations, preventive care, maternity care, emergency room care, prescriptions and more.
2. Find out about financial help that’s available. At Get Covered Illinois you can find out if you qualify for financial assistance to lower your costs.
3. Use Get Covered Illinois to compare plans side-by-side. The new marketplace lists your options on one website, and shows what each plan covers.
4. Take advantage of expert help to compare plans in-person or by phone. Specially trained people are available to help you apply and understand your options.
In person: SEIU Benefits Center, 2229 S. Halsted Street, Suite 122, Chicago, IL 60608
Toll-free: 1-855-SIGN-UP8 (1-855-744-6878)
Learn more online: http://www.seiuhcilin.org/benefits-center
5. Don’t take no for an answer. For coverage starting January 2014, insurance companies can no longer deny you due to a pre-existing condition.
6. Keep in touch. Check for updates on our website, and tell us about your experience. We want to hear what you think so we can spot trends and advocate for ongoing improvements. Contact us
HEALTH CARE CONSUMER PROTECTIONS
If you have coverage, you already have protections under the health care law, such as:
- Children and young adults can stay on their parents’ plan until age 26
- Free preventive care, including check-ups and vaccinations
- Insurance companies can’t set a lifetime cap on what they’ll pay if you get sick
- Rebates if your insurance company spends less than 80% of premiums on care
Plus, new protections for coverage effective January 1, 2014 include:
- Insurers can’t deny anyone coverage for having a “pre-existing condition”
- No more annual caps on what your insurer will pay if you get sick
- Insurance companies can’t charge women more than men for coverage
While many Americans struggle to afford their prescription drugs, U.S. PIRG Education Fund’s survey of retail prices of commonly-prescribed medications found patients can save hundreds, even thousands of dollars in some cases by shopping around at pharmacies within their communities.
King Bio Inc. issued the second significant voluntary recall since late July of their homeopathic drugs on Wednesday. Safety concerns over homeopathic drugs extend beyond King Bio as over the past several years, the FDA has issued recalls to several companies for a variety of health products from zinc-containing intranasal medicine to asthma drugs with toxic ingredients.
At an event launching the project at University of Illinois in Chicago, Illinois PIRG Education Fund released the new guide, So You Need Health Insurance. Now What? Illinois Health Insurance 101.
Having the facts can make all the difference when it comes to health insurance. To make the most of new choices, protections and financial help, you need good information. This guide can help you find quality coverage that won’t break the bank.
Being young and healthy, health insurance does not seem like a first priority, especially since it can be expensive. Nevertheless, running the risk of not having insurance has always been a high one; an unexpected emergency and trip to the hospital could cost several hundred to several thousand dollars without insurance.
Tools & Resources
Your tax-deductible donation supports Illinois PIRG Education Fund’s work to educate consumers on the issues that matter, and the powerful interests that are blocking progress.
You can also support Illinois PIRG Education Fund’s work through bequests, contributions from life insurance or retirement plans, securities contributions and vehicle donations.