Best Health Insurance Agencies in Naperville

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• Is it possible to get free or low-cost health insurance plans in Naperville?

  Yes, through state and federal funding, the state of Illinois, which includes the Naperville area, provides free or low-cost Medicaid to individuals, families, and children. Medicaid provides coverage to qualifying children, parents, caregivers, pregnant women, the disabled, seniors, and people aged 19 to 64 with certain incomes. You must be a resident of Illinois, meet certain residency requirements, be in need of health insurance assistance, and have a low or very low income to qualify for Medicaid.

• Is health insurance mandatory in Naperville?

  No, Naperville and the rest of Illinois follow the federal Affordable Care Act (ACA), which no longer requires all U.S. citizens to have at least a basic level of health insurance. However, while health insurance is no longer required as of 2017, it still plays an important role in avoiding exorbitant medical costs.

• Is there a specific health insurance plan for pregnant women in Naperville?

  Yes, Illinois' Moms & Babies initiative, which is part of the state's All Kids health insurance program, provides coverage for pregnant women and their newborns. Coverage for Moms and Babies includes the full range of Medicaid services, from preventative care to labor and delivery. This service is also available to new mothers for a full year after their child is born.

• How does one report health insurance fraud in Naperville?

  If you were a victim of fraud or deception while purchasing a health insurance plan in Naperville, you may be able to seek help from the Consumer Protection Division of the Illinois Attorney General's office. The Division can help you with any questions you have about filing a complaint or requesting an external review. Furthermore, they may be able to provide informal dispute resolution programs for consumers who have complaints about their purchases and healthcare.

• Are mental health services included in the coverage provided by grandfathered health insurance policies in Naperville?

  Yes, as of 2019, the law requires all grandfathered health insurance plans in Naperville and across Illinois to provide comprehensive coverage for mental health and substance use disorder services. This includes essential treatments for mental, emotional, nervous, and substance use disorders. Notably, the coverage for these services should not involve any financial obligations like coinsurance, out-of-pocket maximums, deductibles, copayments, or treatment limitations, which can include network restrictions, step-therapy requirements, visit limits, and waiting periods.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.