How to enroll in the new health plans in Illinois #affordablecareact #obamacare

Did you that as of today you can start buying your health insurance coverage on the exchanges in Illinois? There are many different plans you choose from based on: price, out-to-pocket costs, doctors in network, etc. Most people will have to have insurance in 2014 or face a fine. (Disclosure: I am currently covered under my husband's plan that he gets from work).

You will need a few things on hand before you can do this. Make sure you have the following paperwork available:

  • tax returns or pay stubs,
  • social security number,
  • employer name, address, phone, and EIN (Employer Identification Number. You can find it on your W2)
  • Policy numbers for any current health insurance you may have
  • Any medication you are currently taking
  • A list of your prefered doctors and hospitals.

Your next step is to go to www.getcoveredillinois.gov. I have heard that the site was crashing today just due to so many people trying to get on it. My best advice is to be patient. You can also get a paper application at state Department of Human Services offices or through several community groups. You can can find a location near you at localhelp.healthcare.gov.

I can't tell you what it is going to cost you. There are so many different factors that play into that like the size of you family, if you qualify for a subsidy, if you are smoker, etc. I have also heard that Cook County will pay less than southern Illinois. There are 4 categories of coverage — platinum, gold, silver, and bronze. Bronze plans will be the cheapest but only cover 60% of medical costs. Platinum plans will have higher premiums but will cover 90% of your medical costs.

Now, if you make less than 138% of the federal poverty level (about $15,800 for an individual and $32,500 for a family of 4), make sure you apply for Medicaid.

If you make up to 400% of the poverty level ($46,000 for a individual, $60,040 for a couple, and $94,200 for a family of four), you will qualify for tax credits or federal subsidies. Even if you make more than this, you can still by insurance on the exchanges. You just won't qualify for the tax credit or subsidies.

All plans on the exchange require the insurers to cover 10 basic services:

  • maternity care
  • prescription drugs
  • emergency services
  • mental health
  • laboratory services
  • hospitalization

They must also cover preexisting conditions and cover preventive care at no cost (flu shots, routine vaccinations, mammograms, etc).

I hope this helps you navigate the Illinois insurance exchanges!

Lisa Martin

In April 2006, Lisa began blogging to stay connected with distant relatives and friends. As she delved into blogging, she discovered the potential to assist others by sharing her experiences. Lisa has actively engaged in numerous exclusive media ventures. Notable among these are her participation in events such as the Sony Mommy Bloggers Event, the Pampers Mommy Bloggers Event, the Epson Event in Chicago, the Stouffers Event, a memorable yacht excursion with Lands End, collaborations with 1-800-Baskets, an exclusive tour for bloggers by Mrs. Prindable’s, partnerships with Hallmark, PopCap games, Chicago Cubs Mastercard Priceless Events, and Rug Doctor. In addition, she has collaborated with Nutrisystem on a weight loss initiative, teamed up with Buick and Chevy, and served as a brand ambassador for Sprint. Lisa's collaboration portfolio also extends to Disney, where she has participated in press trips for significant movies such as Frozen, Guardians of the Galaxy, McFarland USA, The Good Dinosaur, The BFG, and Cars 3. Notably, for projects like Frozen, The BFG, and Cars 3, she was granted the privilege of walking the red carpet and conducting interviews with celebrities. The impact of Lisa's blog has gained recognition, with The New York Times referencing her content. Moreover, she has been featured in interviews by respected publications such as the Southtown Star, The Chicago Sun Times, and inside.

This Post Has 8 Comments

  1. Tara

    This is so much info…and I am glad you help save me some time doing my own research.

  2. Kristin Kaufmann

    Good for you…this is so important, and people read need the information!!

  3. Brandie Valenzuela

    so great you posted this for those in your state…it’s nerve wracking to lots of people.

  4. Mami2jcn

    I’m curious to find out how our insurance plan will change in 2014. I hope the changes won’t be too drastic!

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.