Continuing Senior Health Insurance under Illinois Law
Under Illinois legislation, health insurance continuation is not limited to a specific number of months. Previously, we thought that the right to insurance coverage ended when you became eligible for Medicare; however, the Illinois Department of Insurance issued an opinion that the right to health insurance continuation under Illinois law does not end with Medicare eligibility.
The Department also indicates that your employer may reduce the insurance benefits for retired employees who are eligible for Medicare, however it is unclear as to what those reductions might be.
If you wish to continue your health insurance under Illinois law after you become eligible for Medicare, we advise you to contact the Illinois Department of Insurance, Consumer Service Division (phone numbers are located on page 7 of this booklet), your health insurance provider or consultant, or your attorney for further clarification on this. If you have not retired using COBRA, you cannot choose COBRA coverage after retirement.
Resources:
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- » Learn Some of the Technical Terms Used to Describe Health Insurance Plans
- » More Info on Technical Terms Used to Describe Plan Benefits
- » More Info on Medical Claims, Benefits, Insurers & Much More
- » Information on Family Health Insurance Coverage, Co-Payments & Medical
Articles:
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Illinois Consumers Guide to Health Insurance:
- » Are You Planning to Continue your Employer's Health Insurance in Illinois?
- » Two Different Illinois Health Insurance Continuation Laws for Retired Seniors
- » Continuing Your Illinois Health Insurance under COBRA
- » Continuing Senior Health Insurance under Illinois Law
- » Illinois Health Insurance Continuation Rule of Thumb
- » Illinois Health Insurance Continuation Deductions and Answers
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