H1N1 Worries Confirm Necessity of Obtaining Illinois Health Insurance

01.11.2009 | Author: Holly Bentz | Posted in Politics

As the flu season takes its toll, caution is advised for Americans to obtain a vaccination. It also serves as a reminder of the importance of having Illinois health insurance. While some people are waiting for the Obama Health Plan to take effect, the uncertainties of being uninsured are not only potentially fatal, but a financial disaster waiting to happen. Recent data, released by the Illinois Health Department (CDC) shows that 20 people have perished and 476 hospitalized due to the H1N1 virus in Illinois. [Source: Illinois Department of Health http://www.idph.state.il.us/h1n1_flu/sf_statistics.htm]

For individuals who are not on public aid and do not have Illinois health insurance, these benefits are not available for “free.” In the state of Illinois, 250,000 children are uninsured. Subsequent to the death of a Naperville high school student, uninsured families should explore their affordable medical coverage options.

The Kronishs’ experience with H1N1 was a sickeningly expensive fiasco. When Mr. Kronish lost his job, the cobra benefits for a family of six was too expensive to maintain on a $57,000 annual income. Not to mention, all four children aged eight, 11, 13 and 14 had been a pillar of good health.

The Kronishs’ 11-year old son had an H1N1 scare that required urgent medical attention. Emergency room doctors ran tests, which lead to an overnight observation. Nerved by the sequence of events, the rest of the Kronish household was vaccinated. In the interim, forgoing Illinois health insurance cost the Kronish family the same amount it would cost to insure the whole family for a year $3875. The Kronish family remains uninsured and saddled with a new hospital bill. With any luck, they won’t endure another medical emergency, imposing additional financial duress.

The cost of a doctor’s office visit or clinic consultation ranges from $60 to $150 if one does not have insurance. Vaccinations are $75 to $85. In Illinois all medical providers are required to dole out H1N1 vaccinations to insured patients, directly billing the insurance company. Additionally, various big box stores, such as Osco Drugs, Walgreens and CVS are providing vaccinations in coordination with the insurance companies.

The H1N1 virus exemplifies how a simple emergency room visit and an overnight observation can add up to an expensive incident that a normal Illinois health insurance policy would cover.

Bookmark or visit Illinois Life & Health for more information pertaining to Illinois medical insurance. The site maintains the latest news, resources and a no obligation Illinois medical insurance quote, online.

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