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Health Insurance

Note: See links to additional information on the left.

The State of Illinois' health insurance plan is available to both University of Illinois employees and their dependents who are eligible to receive benefits. Proof of dependent eligibility is required, see Dependent Documentation Requirements and Deadlines. The health insurance is a State of Illinois benefit, which requires participation by all full-time employees. Part-time employees may elect to waive health insurance coverage. Full-time employees may elect to opt out of the health, dental, and vision coverage with proof of enrollment in another comprehensive health plan.

There are two types of health care plans available: an Indemnity plan called the Quality Care Health Plan (QCHP), and two Managed Care plans consisting of a Health Management Organization Plan (HMO), and an Open Access Plans (OAP). Not all Managed Care plans are available in all areas. Check with your benefits department to verify the plans available in your area. Both plans vary in rates, provisions, and level of coverage, but do offer several similarities between the two plans.

If a plan selection is not made within the first 10 days of employment, employees are automatically defaulted into the QCHP. Dependents will not be eligible for coverage until the next Benefit Choice period, or, if experiencing a qualifying event.

If an employee and the employee's spouse are both employees of the University or any other State of Illinois agency, each must be insured individually. Either or both spouse may elect health coverage for dependents; however, the same dependent cannot be enrolled under both spouses for the same type of health, dental or life coverage.

Federal Healthcare changes effective 7/1/2011:

  • Elimination of annual and lifetime maximum benefit limits
  • Elimination of pre-existing condition limitations
  • Preventive care paid at 100%
  • Married dependent children are now eligible for coverage
  • Change in dependent child categories

Tell me about:
Health Insurance Options for Same-Sex Domestic Partners/Civil Union Partners
Medicare
Opt-out program
Student Employees and PPACA
What happens if I do not enroll in a health plan?


Maintained by University Human Resources | Contact Information | Last Update: 18-September-2013 | ID: 55