You may need Illinois temporary medical insurance for a variety of reasons. You may only have temporary or part-time employment or you could be between jobs. You also may need Illinois short-term medical insurance while waiting for permanent health insurance to begin.

Illinois short term health insurance plans are not typically serviced by health maintenance organizations and preferred provider organizations. Temporary health insurance providers in Illinois usually allow the insured party to receive care from any health care provider licensed to practice in the United States.

Keep the following points in mind when you are looking for Illinois temporary health insurance:

1. Gap coverage between standard policies is the primary intent of short-term health insurance. Illinois employees with temporary health insurance should expect to obtain long-term health insurance at some definite point in the future.

2. Temporary health insurance in Illinois is intended to provide coverage for injuries and unforeseen illnesses but generally does not cover preventative care or routine examinations.

3. Illinois temporary health insurance plans are exempt from the Health Insurance Portability and Accountability Act, or HIPAA, so health insurance carriers in the state are not required to issue or renew policies.

Action Steps
The best contacts and resources to help you get it done

Obtain quotes for Illinois temporary medical insurance

There is a wide variation in premiums between companies but policy holders of Illinois temp health insurance will pay a higher premium than for a long-term policy.

I recommend: Get a quote from Blue Cross Blue Shield of Illinois. This website also offers help with choosing the right IL temporary health insurance for your needs.

Investigate the available types of Illinois temporary health insurance

Temporary health insurance frequently is limited by covering only certain groups or conditions. It is extremely beneficial to review the intended purpose of a given policy before studying it in detail.

I recommend: Find different IL temporary health insurance plans summarized at Med Plan Access. Major health insurance providers in Illinois such as Humana and Unicare offer these plans.

Get temporary health insurance in Illinois through a broker

Find more accurate quotes by providing detailed information about yourself when applying for short-term health insurance. Illinois residents can use brokers who will forward an application form to many temporary health insurance providers in the state.

I recommend: After entering your zip code, fill out the application form provided at Illinois Health Plans to get a single quote from a insurance broker.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Review your prospective policies for any provisions that extend your coverage beyond the termination date. Illinois temporary healthcare insurance may cover a total disability until other conditions have been satisfied. These may include paying a maximum benefit, reaching a certain time beyond the expiration date or when treatment is no longer required. Many plans will also provide a fixed partial disability benefit after the termination date.