Moving to Illinois
Illinois has the most job growth of any state in the US. It also has excellent schools, a vibrant quality of life, and the opportunities available for individuals to provide securely for their future. Many people want to move to this state of opportunity, including both those from other states and those from outside the US. However, these immigrants must plan ahead so that they have a smooth transition of their health insurance coverage. Careful planning ahead of time allows people to know if their current health insurance coverage will transfer to Illinois or if new coverage will be necessary. Be aware of rules about any lapse in your coverage and about pre-existing conditions.
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Tips for a Smooth Health Insurance Transition
- Once you have accepted a job in Illinois, check with your new employer so that you know the name of your new health insurance provider -- and what coverage you will have once you relocate.
- Both PPO plans and HMO plans will give you a list of qualified doctors from which to choose. Planahead so you can have your medical records sent to the new doctor of your choice. Or get a copy to take with you.
- Talk to someone with your current health insurance company. If you can be insured by the same regional or national company, you may be able to transfer your coverage to the new state, thus avoiding any lapse in coverage or problems with pre-existing conditions.
- If you are going to look for a job once you move to Illinois, explore a temporary insurance plan to see you through the transition.
- Remember, even if your employer offers basic coverage, you may still need supplemental policies for dental, vision, or prescriptions.
- Be aware that Illinois insurance regulations permit health insurance companies to deny coverage or to charge you more for coverage if you (or a family member) are ill.
If you need to choose a new health insurance provider, be sure to get quotes from several different companies in order to get the most effective coverage you can afford for you and your family.
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