Is National Reform the Cure for Illinois Medical Insurance Woos?

Written By: Mike Novelli on March 24, 2010 One Comment

How will the national health reform affect those with or without Illinois medical insurance? Although the complete details for the proposed national health reform bill have not been disclosed to the American public, industry insiders share their perspective about the proposed health plan.

President and licensed Illinois medical insurance agent, Mike Novelli agrees that there is a need for reform, “I’ve witnessed the rejection. It’s unfair that tax paying citizens are unable to obtain an Illinois medical insurance policy due to a pre-existing medical condition.”

Other health insurance analysts point the finger at the high number of uninsured, who they believe are making a conscious choice to forfeit health insurance. The conundrum occurs when the uninsured are ill stricken and hospitalized, — inevitably unable to pay the cost of their medical bills.

To offset the financial impact of individuals, who do not have Illinois medical insurance, the cost of hospitalization continues to skyrocket. The effect causes insurance companies to raise their prices to be profitable too. The outcome is that the insured end up bearing the financial brunt.

Other experts, familiar with the situation, theorize that carrying health coverage should be a national requirement like auto insurance; whereby, the government prohibits insurance providers from rejecting individuals diagnosed with a chronic pre-existing medical condition.

In the state of Illinois, statistical data depicts that approximately 3-million residents do not have health insurance. Conversely, a percentage of Illinoisans are against the reform because they predict that the national reform plan will cripple medical science, causing a deficit of qualified physicians.

Mr. Novelli identifies the reform as a positive chance to educate Americans purchasing a health plan. “I’ve helped many consumers, who are flummoxed by the entire process for acquiring a viable Illinois medical insurance policy,” states Mr. Novelli.

Additionally, Mr. Novelli recommends that the smartest consumer approach is to finding a feasible Illinois medical insurance takes a little perseverance: obtain two to three medical quotes, compare plans for affordability and sufficient coverage that includes health care necessities. In the interim, residents, who need an Illinois medical insurance plan, can, only yearn for a national reform with similar qualities.

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