Archive for March, 2021

Illinois Health Insurance – Thinking iChips is the Only Answer? Maybe Not!

March 10th, 2021

Many people feel that to get Illinois health insurance with a pre-existing health condition is virtually impossible without going to the Illinois CHIP program. In some cases this might be true. But is it true in all cases? Maybe not! It will depend on the pre-existing health condition that you have.

Each health insurance carrier that solicits sales in Illinois, whether it is Blue Cross Blue Shield, Humana, Health Alliance or United Health Care, underwrites a little differently for each health condition based on their own actuarial tables and claims experience. A lot of times what it boils down too, is what that condition cost them in the past? That is why many different health insurance carriers only approve the application with a rider or exclusion attached to it. When a health insurance carrier does this it simply means they are not willing to take the risk for the amount of premium they receive in return.

If a carrier approves your application but is putting a rider on your health condition that doesn’t mean you have to accept it, you can refuse to take it. In choosing not to though the carrier will simply withdraw their offer for coverage. That’s a decision that you would need to decide for yourself. Considering whether the risk of taking that rider is worth the benefit of the having a lower premium.

What if you had a complete hip replacement 3 years ago and you have never seen a doctor for it since.

Would having coverage for your hip be important to you?
I would certainly think so, who wouldn’t want to have it covered. Almost every carrier in this state would refuse to offer you coverage without a rider or exclusion on your hip. So one would think the only way to have your hip covered would be to go onto the state run CHIP program. Not true! If you were to fill out an application with Health Alliance, which is only available to Illinois residents your hip would be covered without a rider or exclusion.

That is why it is critical to go with an agent or agency that specializes in health insurance. They will be the ones that can give you advice as to what you’re best options are.

About the Alliance Health Plan

March 10th, 2021

One of the first things to mention about the Alliance health plan is that this company really has a much extended network of pharmacies, clinics and doctor offices it co-works with and allows its clients to benefit discounts from. And, no doubt it is one of the major advantages over its market competitors. Having thousands of clients all over USA as their members that provider has the weight and power to negotiate the best prices with its network service partners. So, unlike it is with some smaller benefit plans sellers, with Alliance there is no need to worry about the limited number of places you can get serviced with its discount card. Now, to understand better what an Alliance is, it has to be stated that this plan is not any kind of health insurance. But, it certainly can be used along with your personal and group insurance. If your insurance, for instance, is not covering some drugs you need, you may get discounts from your that health plan.

Another benefit of using a health Alliance card is that you may include your close relations, living under your roof in your discount card, stating them as your dependents. So, your Alliance health plan may work as some sort of your family medical plans’ option. There are two different types of option: gold and platinum. Both of them provide discounts on such essential medical things, as prescription drugs, dental or vision care, chiropractic help, but platinum Alliance health plan also provides discounts on hospital and physicians services, while gold one doesn’t. It is great to know that an Alliance health plan does not have any restrictions as to the number of times you use it or as to any kind of medical condition you may have. In any case, your health plan provides you with up to 60 percents discounts on your prescription drugs and up to 30 percents discounts on your doctor visits. So, there is no limitation as to how frequently you may use it.

There are two payment options an Alliance offers to its clients: monthly fees and annual fees. Besides, there is a 24/7 support service working to help along its clients and to answer any questions. Signing up is not difficult. It can be done right online by filling out one simple application. So, no paper work is required. As you may see, using an Alliance health plan really can save you much money and cut down your health care bill by the half.