In 2009, Illinois health insurance quotes lacked several of the benefits that are included in today’s Illinois medical insurance policies. Prior to the National Reform Health (also referred to as Patient Protection and Affordable Care Act (PPACA) and ObamaCare), the health insurance sector had a track record for administering questionable policies.
Cancellation. Before consumers would shop for Illinois health insurance quotes and face the potential of revocation without fair warning. The problem was the Illinois medical insurance companies would cancel policyholders after an illness, rendering the individual virtually uninsurable.
Preventative health. The most significant advances of the PPACA mandates that Illinois medical insurance companies have to include preventative health services for detecting chronic illnesses as a benefit. In the past, cancer screening, cholesterol tests and mammograms, were benefits shared with the subscriber as a deductible or out-of-pocket expenses and an exclusion of all Illinois health insurance quotes.
Today, Illinois medical insurance companies can rescind a policy if the subscriber falsified his or her medical history when they were comparing health plans used when they were shopping for Illinois health insurance quotes or fraud is provable.
Children’s Health. Last year, parents with a child suffering from a chronic disease were unable to provide health care for children, causing significant hospital bills. Across the state, statistics show that 250,000 children were without Illinois medical insurance last year. With the PPACA in place, these numbers have dwindled. Child only plans were expired after the preexisting medical condition law became effective September 23. New policies can no longer reject policies for children, providing Illinois health insurance quotes.
Groups opposing the PPACA, counter that Illinois medical insurance costs have increased by 20 percent or more. Health professionals, familiar with the rate of medical care, maintain that raising Illinois health insurance quotes is unavoidable with the abundant terms of the PPACA.
Since preventative health care costs merit substantial value and given the mandates to extend Illinois medical insurance benefits for individuals diagnosed with preexisting medical conditions, agencies had no other recourse to hike premiums to harmonize losses.
“The PPACA is assuring that everyone is obtaining equitable Illinois health insurance quotes. Today, Americans have a better chance and choice of health care,” heralds the president of IllinoisLifeandHealth.com, Mr. Novelli.