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Population: 12,831,970
(Source: U.S. Census Bureau)
Uninsured: 1,715,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for Illinois health insurance policies. Click here to view our registration with the Illinois Office of Insurance (Click "Continue", enter "HBDC II INC" in the Name box and then click "Search"). |
Illinois has the 5th highest number of uninsured in the U.S.
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Health Insurance News in Illinois
Buying Individual Insurance Policies in Illinois
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in Illinois:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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- Alcoholism
- Bone Mass Measurements
- Breast Reconstruction
- Cervical cancer/HPV Screening
- Colorectal Cancer Screening
- Contraceptives
- Dental Anesthesia
- Diabetes Self Management
- Diabetic Supplies
- Emergency Services
- Habilitative Services
- In Vitro Fertilization
- Mammogram
- Mastectomy
- Mastectomy Stay
- Maternity Stay
- Mental Health General
- Mental Health Parity
- Off-Label Drug Use
- Other Infertility Services
- Ovarian Cancer Screening
- Prostate Cancer Screening
- Rehabilitation Services
- TMJ Disorders
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- Alzheimer's
- Ambulatory Surgery
- Ambulance Services
- Anti-Psychotic Drugs
- Autism
- Birthing Centers/Midwives
- Blood Lead Poisoning
- Blood Products
- Bone Marrow Transplants
- Cancer Medications
- Chemotherapy
- Chlamydia
- Cleft Palate
- Clinical Trials
- Congenital Bleeding Disorders
- Drug Abuse Treatment
- Early Intervention Services
- Hair Prostheses
- Hearing Aid
- Home Health Care
- Hospice Care
- HPV Vaccine
- Kidney Disease
- Long Term Care
- Lyme Disease
- Maternity
- Minimum Hysterectomy Stay
- Minimum Testicular Cancer Stays
- Morbid Obesity Treatment
- Neurodevelopment Therapy
- Newborn Hearing Screening
- Newborn Sickle-Cell Testing
- Orthotics/Prosthetics
- Ostomy Related Supplies
- PKU/Formula
- Port-wine Stain Elimination
- Prescription Drugs
- Psychotic Drugs
- Second Surgical Opinion
- Smoking Cessation
- Well-Child Care
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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- Adopted Children
- Continuation/Dependents
- Continuation/Employees
- Conversion to Non-Group
- Handicapped Dependents
- Newborns
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- Dependent Students
- Grandchildren
- Non-Custodial Children
- Domestic Partners
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| Mandated (Included) Providers |
Non-Mandated Providers |
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- Chiropractors
- Licensed Health Professional
- Optometrists
- Oral Surgeons
- Osteopaths
- Podiatrists
- Professional Counselors
- Psychiatric Nurse
- Psychologists
- Social Workers
- Speech or Hearing Therapists
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- Acupuncturists
- Chiropodist
- Dentists
- Denturists
- Dieticians
- First Nurse Assistant
- Lay Midwives
- Marriage Therapists
- Massage Therapists
- Naturopaths
- Nurse Anesthetists
- Nurse Midwives
- Nurse Practitioners
- Nurses
- Occupational Therapists
- Opticians
- Pain Management Specialist
- Pastoral Counselor
- Pharmacists
- Physical Therapists
- Physician Assistants
- Public or Other Facilities
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in Illinois.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for Illinois residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across Illinois.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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