Affordable Illinois Temporary Medical Insurance Quotes

Fortis Illinois Temporary Medical Insurance Quote

Fairmont Specialty Group (FSG) Illinois Temporary Medical Insurance Quote

Affordable temporary medical insurance is designed to fill temporary gaps in medical insurance coverage in Illinois. Typically, Illininois medical insurers offer affordable coverage for periods ranging from one to six months. Temporary medical insurance policies typically cover periods from 30 to 185 days. Exact length of coverage may vary by state. Signa Health is proud to offer the best temporary medical insurance plans available in Illinois. Click on either link above to get instant quotes and plan information from Fortis or Fairmont Specialty Group (FSG), leaders in the Illinois temporary medical insurance market. Call toll free (877) 433-3026 to have a Signa Medical agent help you!

Who Needs It?

Typical customers for Affordable temporary medical insurance in Illinois are:

• People changing jobs or transitioning into a new career.
• Graduating students no longer covered by the family medical plan, and also not yet covered by an Illinois employer's group medical plan.
• New employees facing a temporary waiting period before becoming eligible for an Illinois employer's group insurance plan.
• Workers who are in part-time or temporary positions for a short period of time.
• Employees who have been laid off or on strike.
• Illinois Entrepreneurs starting a new business and want time to shop around for a more permanent plan.
• Early retirees who may face a short waiting period before becoming eligible for Medicare insurance.

What Does It Cost?

Temporary medical insurance rates vary by age, sex, area of Illinois, whether or not a spouse and/or children are covered, and plan features such as deductibles. Generally, Illinois Temporary medical insurance plans are more affordable than permanent insurance plans because the insurer is taking less risk. Typically, temporary medical insurance plans are about one-third of the cost of continuing coverage through government regulated extension programs such as COBRA or permanent medical insurance plans.

 

Considerations in choosing an Illinois temporary medical insurance plan

Temporary medical insurance covers a short time period. Consumers who think they'll need coverage for longer than six months may want to look at a more permanent medical insurance option from Signa Health Inc.. Most Illinois temporary policies are not renewable. Some companies, such as Fortis and Fairmont Specialty Group do allow consumers in Illinois to take out a second short-term policy under certain conditions.

Temporary medical insurance policies do not cover pre-existing conditions in Illinois. The reasons are obvious to consumers who understand that insurance is designed to protect against the unforeseen. If pre-existing conditions were covered under temporary policies, people could just wait until they were diagnosed with an illness or suffered an injury, buy a policy to cover treatment, then drop it. The cost of such policies would be prohibitive. Because all Illinois temporary medical insurance policies are designed to cover the unexpected, they do not include coverage for preventive care, physicals, immunizations, dental or eye care.

The definition of a pre-existing condition varies by state, but in Illinois, most temporary medical insurance policies exclude conditions that have been diagnosed or treated within the previous five years. Consumers with an existing medical condition may want to see if extending their current insurance to fill a gap in coverage is an option for them. Employer-sponsored insurance can be extended under a government-regulated option called COBRA. Consumers also have rights to extend medical insurance coverage under HIPAA (the Health Insurance Portability and Accessibility Act). Temporary medical insurance policies are available in most states, but a few states require all medical insurance policies to be guaranteed issue and/or guaranteed renewable. Temporary medical insurance is not available in those states from Signa Health Inc..

Temporary Illinois medical insurance generally includes a provision to handle coverage for ongoing conditions that begin under the policy, but continue after the temporary policy expires. Exact coverage will vary and may depend on whether the condition is short-term or results in total disability.

 

The application process for a temporary medical insurance plan is simple and can be done completely online in typically less than 5 minutes. Temporary medical insurance plans are designed to protect you against unforeseen accidents and illnesses, rather than to provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, annual physicals, immunizations, dental and vision care in Illinois.

  

Temporary medical insurance plans do not cover pre-existing medical conditions. The definition of a pre-existing condition will vary by state, but, in Illinois, short-term medical insurance policies exclude coverage for any conditions that have been diagnosed or treated within the previous 1 to 5 years.

Some Statistics

A 1999 Census Bureau study, found that young adults (between 18 and 24) were the most likely of any age group to lack insurance for at least one month. More than half of this group was not continuously covered during the 36-month period studied. This study also found that half of those who lost coverage lost it for 5.3 months or less. The same study found, that 56.1% of those with one or more job interruptions were not continuously covered.

A 2000 Public Opinion Strategies survey report showed that there are a significant percentage of people who shift in and out of medical insurance coverage. The survey data showed that 41% of the uninsured surveyed had coverage sometime during the year. Although there are many factors causing this movement in and out of the medical insurance market, temporary medical insurance may provide a solution for some of those who are uninsured for short periods in Illinois.

 

Costs of Not Having Insurance in Illinois

Here are some claims that have been paid under a temporary medical insurance plan recently:

• $625,000  for a spinal cord injury caused by a fall. (The consumer paid $266.40 for this $2500 deductible, six-month policy.)
• $465,000  for a climbing accident
• $130,000  for an aortic aneurysm
• $75,000  for pneumonia 

How can Illinois Consumers cut costs?

• Choose an affordable high-deductible medical plan.
• Consider a 50/50 coinsurance option rather than the more typical 80/20. With the 50%option, the insurance company covers 50 percent of covered expenses after the deductible; the consumer pays the other 50 percent up to a cap. Customers are protected from the costs of catastrophic illness or injury by the cap on the amount of out-of-pocket expenses they need to pay.
• If a consumer knows the exact length of time Illinois coverage is needed, he or she can usually save money with a one-time premium payment.

 

 Plan highlights for the (FSG) Fairmont Specialty Group Illinois temporary medical insurance plan

 

Fairmont Specialty Group (FSG) Illinois Temporary Medical Insurance Quote

•           Freedom to choose your own doctors and hospitals in Illinois.
•           $1 Million Lifetime Maximum Coverage
•           In-Hospital and Out-patient benefits
•           Physician Services-diagnosis and treatment
•           Surgery in a Hospital or Ambulatory Surgical Center
•           Intensive Care
•           X-Ray and Laboratory
•           Ambulance Services
•           Spinal Manipulation/Adjustment
•           Mammography, Pap smear  and screens

 

Choose the plan that best fits your needs and budget.

•                    Deductible Options

$250, $500, $1000 or $2500

•                    Coinsurance options

80/20 to $5000 or 50/50 to $5000

•                    Length of coverage options

1-6 months of coverage; or 12 month plan

 

 

 

 

Why FSG'S Simple Illinois Temporary Medical Insurance Plan?

•               Quality benefits, affordable rates, and simple online application.
•               Access to Quotes and applications online in minutes.
•              Instant online issue - Next day coverage available.
•               Email confirmation with your policy approval.
•               30 to 180 day coverage periods, 12 month plan available. Ability to reapply in Illinois.
•               Instant Charge for credit cards and bank accounts online.
•               Monthly and single-pay premium options.
•               Children or Child only coverage is available in Illinois.
•               Faxed applications can be accepted (if premium is paid by MasterCard, VISA, or  Electronic Funds Transfer EFT).
•               Professional Credit Card Quality Plastic ID cards 
•               Easy, Simple, and Affordable.

 This temporary medical insurance is issued by Fairmont Specialty Insurance Company or Fairmont Premier Insurance Company. The home office is located in Houston, TX. Temporary medical insurance policies in Illinois contain exclusions and limitations; benefits may vary due to misstatement of age or sex. Policy may not be available in all states.

 

Simple STM is available in the following states: Alabama, Alaska, Arizona, Arkansas, California, Connecticut, District of Columbia, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Michigan, Missouri, Mississippi, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin and Wyoming.

 

 AL, AK, AZ, AR, CA, CT, DC, DE, FL, GA HI, IL, IN, IA, KY, LA, ME, MI, MS, MO, NE, NV, NM, OH, OK, PA, RI, SC, TN, TX, VA, WV, WI, WY

 

 

Plan highlights for the Fortis Illinois temporary medical insurance plan

 

                                     Fortis Illinois Temporary Medical Insurance Quote

•           Freedom to choose your doctors and hospitals in Illinois.
•           $1 Million Lifetime Maximum Coverage
•           In-Hospital and Out-patient benefits
•           Physician Services-diagnosis and treatment
•           Surgery in a Hospital or Ambulatory Surgical Center
•           Intensive Care
•           X-Ray and Laboratory
•           Ambulance Services
•           Spinal Manipulation/Adjustment
•           Mammography, Pap smear  and screens

 

Choose the Illinois plan that best fits your needs and budget.

•                    Deductible Options

$250, $500, $1000 or $2500

•                    Coinsurance options

 100%, 80/20, 50/50 (may vary by state)

Note: The 100% rate of payment option is only available for 6-month plans with deductibles of $1000 and $2500.

•                     Length of coverage options

1-6 months of coverage; or 12 month plan

 

 

 

 

Why the Fortis Illinois Temporary Medical Insurance Plan?

•               Quality benefits, affordable rates, and a simple online application.
•               Access to Quotes and Illinois applications online in minutes.
•               Instant online issue - Next day coverage is available.
•               Email confirmation with your policy approval.
•               30 to 180 day coverage periods, 12 month plan available. Ability to reapply in Illinois.
•               Instant Charge for credit cards and bank accounts online.
•               Monthly and single-pay premium options.
•               Children only coverage is available in Illinois.
•               Faxed applications can be accepted (if premium is paid by MasterCard, VISA, or  Electronic Funds Transfer EFT).
•               Professional Credit Card Quality Plastic ID cards 
•               Simple, Easy and Affordable.

 This Illinois short-term medical insurance is issued by Fortis Insurance Company. The home office is located in Milwaukee, WI. Temporary medical insurance policies contain exclusions and limitations; benefits may vary due to misstatement of age or sex. Policy may not be available in all states.

 

Fortis STM is available in the following states:  ALABAMA (AL), ALASKA (AK), AMERICAN SAMOA (AS), ARIZONA (AZ), ARKANSAS (AR), CALIFORNIA (CA), COLORADO (CO), CONNECTICUT (CT), DELAWARE (DE), DISTRICT OF COLUMBIA (DC), FEDERATED STATES OF MICRONESIA (FM), FLORIDA (FL), GEORGIA (GA), GUAM (GU), IDAHO (ID), ILLINOIS (IL), INDIANA (IN), IOWA (IA), KANSAS (KS), KENTUCKY (KY), LOUISIANA (LA), MAINE (ME), MARSHALL ISLANDS (MH), MARYLAND (MD), MICHIGAN (MI), MINNESOTA (MN), MISSISSIPPI (MS), MISSOURI (MO), MONTANA (MT), NEBRASKA (NE), NEVADA (NV), NEW HAMPSHIRE (NH), NEW MEXICO (NM), NORTH CAROLINA (NC), NORTH DAKOTA (ND), NORTHERN MARIANA ISLANDS (MP), OHIO (OH), OKLAHOMA (OK), OREGON (OR), PALAU (PW), PENNSYLVANIA (PA), PUERTO RICO (PR), RHODE ISLAND (RI), SOUTH CAROLINA (SC), SOUTH DAKOTA (SD), TENNESSEE (TN), TEXAS (TX), UTAH (UT), VIRGIN ISLANDS (VI), VIRGINIA (VA), WASHINGTON (WA), WEST VIRGINIA (WV), WISCONSIN (WI)and WYOMING (WY)