Cheap health insurance coverage represents a lure for the 40+ millions United States citizens living without coverage. A comprehensive analysis shows that while these Illinois health plans promise to deliver, they exclude the coverage needed to cover a medical emergency situation or even pre-authorization. In reality, the consumer pays more in the end for the outrageously, cheap health insurance quote.
During the onset of the 21st century, a series of health insurance companies scammed at least 100,000 American consumers, absconding them with $85 million worth of hospital bills. The problem with the cheap health insurance coverage myth is that by the time “policyholders” realize their medical insurance is worthless, it’s too late. It happens about the time an authorization or unforeseen hospitalization is necessary.
In Elgin, Illinois, Harry Dale ran a thriving landscaping business, when he had a heart attack. After recovery, his insurance company was nowhere to be found to pay the hospital bills. Long about collection time, the insurance policy that he bought two years ago was worthless.
The cheap health insurance coverage is a growing epidemic. From Illinois to the other 49 states, the medical fraud conundrum represents financial devastation. For the unsuspecting consumer, the cheap health insurance coverage wears several disguises: the faith-based policy (affiliated with one’s church), the discount medical card and even the dreaded disease health plan. In each case, these policies are typically scams.
The worst scenario is when the policyholder is hospitalized or diagnosed with a chronic illness. Not only are these consumers left with mounting medical bills, but they are no longer eligible for another policy because, they are now labeled with a “pre-existing health condition,” uninsurable by many health insurance providers.
Avoiding fraud in the pursuit of obtaining Illinois health insurance is a matter of following two consumer smart strategies:
1. Meticulously investigate the Illinois health insurance company. Contact the Illinois Department of Insurance to verify if the company is licensed and determine if there are any outstanding complaint files. If the provider claims that they are exempt from regulation or not licensed in your state, find another Illinois health insurance company.
2. Obtain a quote from a legitimate insurance agent. Although a reputable insurance broker won’t offer cheap health insurance coverage in Illinois, you’ll have the peace of mind that your medical bills will be paid if any unforeseen health crisis occurs.
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