Types of Health Insurance Coverage
Some types of health insurance coverage offer temporary, short-term coverage, while others, including qualified health plans, cover a wide range of services for a longer period of time, typically a year. If you are looking for maternity coverage, dental services or prescription drug coverage, check out the plan details for different types of health insurance and specific plans to make sure you get the coverage you need. Below are the most common types of insurance coverage offered.
Individual and Family
Individual and family coverage is also known as major medical or comprehensive coverage. When you think of health insurance, this is likely the first type of health insurance you think of. It covers a wide range of services. This type of health insurance coverage:
- Lasts a year or longer
- Usually can be renewed
- Meets the requirements set by the Affordable Care Act and includes:
- Emergency services, hospitalization, and preventive care
- Maternity, newborn and pediatric care
- Mental health care & substance abuse treatment
- Laboratory services, prescription drugs, and disease management
- Rehabilitative services and devices
If you enroll in this type of health insurance coverage, you may be able to get help paying for it with a premium tax credit or cost-sharing assistance. Learn more about getting help paying for your health insurance costs.
Short-term plans, or temporary health insurance plans, protect you and your family against the medical costs of unexpected accidents or illness. This may be an option for you if you missed the open enrollment period or you are waiting for other health insurance coverage to start. This type of health insurance:
- Lasts 1–11 months
- Usually can't be renewed
- Doesn't meet the requirements set by the Affordable Care Act, so you may have to pay a penalty
- May be a good choice if you don't have coverage and don't qualify for special enrollment
- Can be tailored to your individual needs. You choose your start date, length of coverage and deductible amount.
Unlike individual and family plans, you can't get help paying for this type of health insurance.
Dental insurance plans provide coverage for part of the dental costs for you and your family. This type of health insurance:
- Can cover a wide range of dental services or just basic, routine care.
- Can be bought as part of your Blue Cross and Blue Shield of Illinois (BCBSIL) individual and family health plan or separately, as a stand-alone dental plan.
- Is required for children age 18 or younger under the Affordable Care Act.
Medicare is a type of health insurance coverage for people age 65 or older, or people under 65 with certain disabilities or illnesses.
You can add to your Original Medicare Part A (hospital) and Part B (medical) to help strengthen your health insurance safety net:
- Part C – Medicare Advantage Plans can be seen as all-in-one coverage, some with built-in prescription drug coverage
- Part D – Prescription drug coverage that pays for approved drugs
- Medicare Supplement Insurance Plans – May help pay for health care costs not covered by Original Medicare
Medicaid and Children's Health Insurance Program (CHIP)
Medicaid and CHIP are types of low or no-cost health insurance through the government. Your eligibility is based on your household size and income and determined by the government. You can apply any time of year.