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Did You Know?
As an Illinois consumer, did you know that;
- Health insurance rates are regulated by the Illinois Department of Insurance and regardless who you purchase you plan from, if it is a given agent or broker or even the insurance carrier direct, the end result premium will always be the same. If anyone tells you they can sell the same plan for less money, they are committing fraudulent advertising and should be reported.
- If you purchase a plan and you are not satisfied for any reason, you may cancel the plan at any time. There is no annual commitment.
- It is finacially beneficial to purchase your intended plan as soon as possible due to the fact the quoting rates normally go up every month. The longer you wait the more you end up paying per month.
- When you purchase your new health plan, some companies will give you the choice of a 1 year, 2 year or even a 3 year rate guarantee.
- You can incorporate a dental or life insurance benefit with most of the individual and group health insurance companies.
- Independent agents and brokers can give you the best choice in plans and charge no agency fees. They are compensated completely by the insurance carrier.
- Many good health plans today have provisions for a free physical examination or OB-GYN exam. The health insurance companies are promoting preventative medicine so it will prevent you from getting sick.
- You should always maintain continuous health insurance coverage and never have a gap of over 63 days, which would put you in position to have a one year pre-existing condition clause with you new insurer.
- You should always tell the complete truth when filling out an insurance application and that failure to do so could very easily cause your policy to be rescinded, meaning any and all claims past and present would not be covered and your premiums would be refunded and your policy deemed null and void.
