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| Why Cheap Health Insurance Coverage is Dicey in Illinois |
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| Written by Holly Bentz |
| Saturday, 10 October 2009 07:46 |
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Cheap health insurance coverage in Illinois is as fabled as the tooth fairy. With more than 40 million uninsured Americans, many are duped by ambiguous terminology and fake insurance companies. In Illinois, cheap health insurance plans lack the benefits to cover a veritable medical emergency. A small business owner of Elgin Illinois, who operated a snowplow business, a heart attack left him financially devastated. Despite his cheap health insurance coverage, unbeknownst to him - the company was a sham. A bogus health insurance company commandeered the premiums, which he paid for more than two-years. 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. Counterfeit, cheap health insurance policies are no longer a minor issue. Today, the pervasive issue is a national problem, financially crippling Americans from Illinois and the other 49 states. Whether it's a faith based health plan (one offered at church), the dreaded disease health plan (a policy which promises to cover life threatening diseases, such as cancer, heart disease), or the discount medical card, the cheap health plan is true to its name and covers very little in the way of health care costs. The most unfortunate circumstances arise when the person with cheap health insurance coverage becomes ill, requiring hospitalization. If they are diagnosed with a chronic condition such as a heart attack or cancer, they are not only abandoned with hospital bills costing $25,000 or more but they are no longer deemed insurable due to the recently diagnosed "pre-existing medical condition." Nevertheless, two tips may safeguard consumers against being victimized by Illinois health insurance fraud. 1. Conduct your own research by checking out the health insurance agency. Confirm that the insurance provider has an updated license and does not have any complaints. In cases, where the provider alleges a regulatory exemption and / or is not licensed in Illinois, move onto another health insurance provider. 2. Search for a reputable insurance agent. Even though the insurance provider will not guarantee cheap health insurance coverage in Illinois, a legitimate policy will prevent any unforeseen medical expenditures and a health plan with a known insurance provider. About the Author: For assistance on selecting an economical yet effective Illinois medical insurance quote, please click here, Illinois health insurance quote. Our quotes are no obligation whatsoever. Kindly provided by MoneyHunter.org You are welcome to use this article on your own website, if you include the link just before this text. |
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