Illinois Medical Insurance Underwriting Information
While many Americans are poised for President Barack Obama to amend the national health insurance reform bill, how health insurance policies are written remains an area of contention. In this installment of Illinois Life and Health.com, we’re revealing what criteria underwriters use to approve and set Illinois medical insurance premiums.
The premiums for Illinois medical insurance policies are based on the following criteria:
- Age
- Current health
- Family history
- State
More than a dozen pre-existing conditions often disqualify individuals from obtaining the Illinois medical insurance they need to maintain their health. These include:
- Anorexia / Bulimia
- Cancer
- Chronic Obstructive Pulmonary Disease (COPD)
- Crohn’s Disease
- Depression
- Diabetes
- Emphysema
- Fibromyalgia
- Heart Attack (Angioplasty)
- Hepatitis
- HIV / AIDS
- Liver Disease
- Organ or Tissue Transplant
- Pap smears / PSA testing
- Stroke
The aforementioned list does not include every pre-existing case scenario. For instance, some Illinois medical insurance providers even turn down applicants based on weight. Being underweight and overweight account for other insurance application rejection. Certain plans also do not extend coverage for an expectant mother.
Over recent years, health insurance companies such as Aetna Illinois offer a 30 percent discount for alternative medical services provided by any American Whole Health Network affiliate.
Saving Illinois medical insurance costs entails finding an economical policy, offering:
- Low monthly premiums
- A $1000 – $2000 deductible
- Prescription co-payments ($15 – $25)
- A provider, who covers 80 percent of the in-network health benefits
Although, some Illinois medical insurance providers offer a 12-month rate lock, others hike rates soon after the applicant becomes a policyholder.
Aside from comparing Illinois medical insurance premiums, co-payments, and deductibles, be sure to compare the following medical services costs and exclusions:
- Allergy testing
- Annual physical exam
- Colorectal cancer screening, related exams and lab tests
- Diagnostic lab, X-ray and immunizations
- Mammograms
For free insider information about buying an Illinois medical insurance policy, click medical quote for hassle –free information.
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