Illinios Group vs. Individual Insurance facts

All group insurance in Illinois includes maternity coverage, by law.

Individual insurance is medically underwritten, meaning your medical history is reviewed, giving the carrier the opportunity to deny coverage based on your medical condition. Group insurance with less than 50 members is guaranteed issue, meaning the carrier must cover the group, however the rates can be increased 67% based on medical underwriting.

Medical underwriting and an optional materity benefit allows insurance carriers to offer similar products to healthy individuals at a fracton of the group rate.

If you quailfy for individual coverage from BlueCross BlueShield, Humana, Aetna, United healthcare, Unicare or Celtic on our web site, it is the best coverage for the money available in Illinios.