In Illinois, temporary health insurance is designed to cover any gaps in your regular health insurance coverage. The insurance market in the United States is complex with many types of insurance plans available for different circumstances. Depending on the limitations of any particular policy, temporary health insurance in Illinois will pay for a wide variety of medical services and treatments. Some deductibles and co pays may be required and there may be limits to the total of benefits paid for any single injury or occurrence.
One of the most common forms of temporary health insurance in Illinois and other states is COBRA, the Consolidated Omnibus Budget Reconciliation Act. COBRA is designed to replace employer sponsored health insurance for a period of up to 36 months. COBRA benefits are extended to employees who lose their job due to reductions in force, plant closings and other employment termination situations.
Another form of temporary health insurance in Illinois and other states, accidental injury insurance is often used to cover participants of special or group sponsored events, amateur sports teams and even parades and conferences. Having accidental injury insurance in force can protect the organization from paying for injuries that occur during a sponsored event. Depending on the limitations of a particular policy, accidental injury insurance will pay for a wide variety of medical services and treatments. Some deductibles and co pays may be required and there may be limits to the total of benefits paid for any single injury or occurrence.
Health insurance consumers have a valuable tool in the internet where with just a few clicks of the mouse, a wealth of information is available. Organizations like the Insurance Information Institute can provide health insurance consumers with valuable information on various types of health insurance plans
This information is provided only as a good faith guide. Always consult a qualified insurance or legal professional.