Individual • Family • Short-Term Health Insurance
Individual • Family • Short-Term Health Insurance
Health insurance can sometimes sound like a different language. These answers help.
Life is unpredictable. No one plans a serious illness or accident, but a trip to the emergency room can cost you thousands. Even if you're young and healthy, without health insurance, a broken bone can leave you with an empty wallet—or even worse, years of debt.
Having health insurance can protect you from the unexpected, so you can live life doing what you enjoy and not worrying about what might happen.
Health Alliance partners with certain doctors and hospitals to provide services to our members, and these are called preferred providers. We negotiate with these providers to get lower pricing on their services. When you see these doctors, we pass the savings on to you, and your out-of-pocket cost is less than if you use a provider who is non-preferred.
A copayment is a set fee you pay each time you receive a covered service. For example, if your copayment for office visits is $25, you'll pay $25 each time you visit your doctor. We pay for the rest.
Coinsurance is a percentage of the cost you pay for a medical service. If your coinsurance for office visits is 10 percent, you'll pay 10 percent of the cost for that visit, and My Health Alliance pays the rest.
A deductible is the amount you must pay before we begin paying for your medical services. Having a $250 deductible means you must pay $250 for services before we begin paying. With no deductible, we begin paying for covered services right away. (With a My Health Alliance plan, deductibles don't apply for office visits and wellness services. We cover these essentials immediately.)
A deductible is the amount you must pay before we begin paying for your medical services. Having a $250 deductible means you must pay $250 for services before we begin paying. With no deductible, we begin paying for covered services right away. (With a My Health Alliance plan, deductibles don't apply for office visits and wellness services. We cover these essentials immediately.) A copayment is a set fee you pay each time you receive a covered service. For example, if your copayment for office visits is $25, you'll pay $25 each time you visit your doctor. We pay for the rest. Coinsurance is a percentage of the cost you pay for a medical service. If your coinsurance for office visits is 10%, you'll pay 10 % of the cost for that visit, and Health Alliance pays the rest.
Out-of-pocket costs are what you pay for your medical care. Once your total out-of-pocket costs reach a certain amount (this is your out-of-pocket maximum) most copayments and coinsurance amounts are waived.
A Health Savings Account (HSA) is a tax-advantaged medical savings account that can be combined with a qualified high-deductible health plan (QHDHP). The HSA can be used to cover medical expenses not covered by the QHDHP plan. Contributions to the HSA are not subject to federal income tax. The HSA account is owned by the individual and money in the account rolls over from year to year.
You can view our standard drug list here.
You can search for providers here.
A pre-existing condition is any medical condition you have been treated for or diagnosed with, in the 12 months prior to the effective date of your policy.
No.
You can apply for a Health Alliance Short Term plan. Short Term plans offer temporary coverage from one to six months.
Your ID card will be mailed to you once your first month of paid premium has posted. Please allow 7-10days for mailing.
When you sign up at the end of the month, our billing cycle has already run, which means you will not receive a bill for your first month. Your first bill will include your first and second month of premiums due.
Yes, you have a 30 day grace period to pay premiums to Health Alliance.
Yes, you can pay your premium online by logging into your account at HealthAlliance.org
Log into your account at HealthAlliance.org. On the left-hand side there is a link to Online Payments. This will take you to the area where you can pay your premium, set up online recurring payments, or view your monthly statement.
We offer automatic payments for your convenience. You can set up an automatic charge to your credit or debit card each month or an automatic draft from your checking or savings account. Simply complete this form and return to Health Alliance.
Payment is not required with the submission of the comprehensive individual application. Payment is required with the submission of a short term application.
Your payment may have been received after your billing statement was produced, which means it will not show up on this statement. It will show on the next statement.
Out of pocket maximum is the limit on how much you will have to pay for copayments, coinsurance, and deductible amounts throughout the year. The single out of pocket is the most that one person on the plan would have to pay before Health Alliance pays 100% for that one person for the remainder of the year. The family out of pocket is a combination of all family members' out of pocket costs. If your combined family meets the family out of pocket maximum, Health Alliance will pay 100% for the family for the remainder of the year.
You can set the HSA up with Benefit Planning Consultants (BPC) located in Champaign, IL or any bank in your area that offers HSA's. As a member of Health Alliance, BPC will waive the initial set up fee. Visit www.bpcinc.com for more information on BPC's services.
No, it is your choice to set up an HSA.
Yes, you can renew a short term policy one time for a period of time equal or less than your first policy. In order to renew your short term policy, you must complete a new application and submit it to Health Alliance. We must receive the second application prior to the end date or your first short term policy.
Yes, existing members have the option of changing plan designs in order to increase or decrease benefits. If you would like to increase your benefits you must submit a new application to Health Alliance and it will be reviewed by our Underwriting department for approval or denial. If you would like to decrease your level of coverage, you may do so simply by submitting a written request.
Yes, group and individual policies have different underwriting criteria.
To terminate your policy you must notify us in writing. We will need a request with signature from the policyholder with prospective termination date. Failure to pay your premium is not proper notification that you wish to terminate your policy.
Our individual plans renew every year on January 1. We typically have an annual increase for all members at that time.
Health Alliance premiums are age-based in 5-year age bands. As you enter a new age band (e.g. 25, 30, 35, etc.) your premium increase will be reflected on your premium statement the month following your birthday.
Pre-existing Condition clauses exist to reduce the likelihood that a member may wait to purchase insurance until an event has occurred that requires coverage. It would be similar to wanting to buy car insurance to pay for claims after the car had already been in an accident.
We typically expect that it will take 2-4 weeks for a decision to be made by Underwriting. If your application is incomplete, it will take longer. To ensure prompt processing of your application, please thoroughly review it prior to submitting it to Health Alliance.
If you are approved, you will receive a Welcome letter from our Enrollment department. If you are denied, you will receive a denial letter from our Underwriting department.
It can take up to 2-4 weeks to receive notification that you have been approved.
You must notify us in writing within 10 days from the date of the welcome letter or prior to receiving your welcome letter.
My Health Alliance comprehensive plans always start the 1st of the following month after you apply—as long as your application is received by the 25th of the prior month. So, if you're plan was to begin on June 1st, we would need your application by the 25th of May.
You can enroll in the Illinois Comprehensive Health Insurance Program (ICHIP) or if you have been without coverage for the past 6 months, you can enroll in the Illinois Pre-Existing Plan (IPXP).
All HMO and POS-C plans automatically include maternity coverage. Maternity can be added as a rider to many of our PPO plans. All of the QHDHP plans as well as the PPO 80/50 $1000 and $2000 deductible plans have the option to add maternity coverage. View the the plan details page to see the optional benefits list. The additional cost to add maternity is listed. You will need to manually add this amount to the premium quote.
You will need to complete a new application and submit it to Health Alliance. Your application will be reviewed by our Underwriting department and you will receive either an approval or denial letter letting you know if we have added maternity coverage to your plan.
You must submit an application within 31 days of the date of birth in order to add the baby to the plan.
On our PPO or POS-C plans, members have emergency coverage anywhere in the world. On a PPO plan, we also have the Health Link extended network that may provide some in-network coverage depending on where they are attending school. You pay less when you use in-network providers but PPO and POS-C plans also include out of network benefits. If they are studying outside the US, they would have emergency coverage only. For further information, please contact member services.
No. If you do not have RX coverage it will not be covered.
No
No