Blog - Illinois Insurance Hotline

Information covered in the Illinois Insurance Hotline blog is intended to provide general information and guidance, and should not be considered legal advice.

Is there recourse when a health insurance claim is denied?

Aug 17, 2022, 10:52 AM

Start with verifying policy premium payment status along with deductible, out-of-pocket maximum, and coinsurance requirements. Next, make sure the procedure is typically covered by your plan, and that treatment came from an approved provider. The answers to these questions may explain why benefits were denied. Click on the link for more information.

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Personal Property Inventory - Part 2

Jul 27, 2022, 10:54 AM

Homeowners and renters insurance covers personal belongings for specific losses outlined in the policy. A personal property inventory is an invaluable tool if you need to make a contents insurance claim. Click on the link to learn more.

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Why have a personal property inventory? - Part 1

Jul 20, 2022, 10:41 AM

Most people own more personal property than they realize. Are you financially able to replace belongings destroyed by fire, tornado, or other unforeseen disaster? Individuals often buy homeowners or renters insurance to share this financial burden with an insurer. A personal property inventory helps policyholders understand their contents insurance needs. Click on the link to learn more.

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Is there a state program for those unable to get homeowners insurance?

Jul 13, 2022, 10:12 AM

Consider the Illinois FAIR Plan if you cannot get insurance in the traditional homeowners insurance market. While not a state program, the FAIR Plan is a nonprofit association that operates like an insurance company. The Illinois FAIR Plan is funded by insurers that sell basic property coverage in this state. Click on the link to learn more about the Illinois FAIR Plan.

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