Insurance Consumer Fact Sheets

General

• Contact The Proper Agency - Where to File Medicare, Medicaid and Other Health Plan Complaints
• Understanding the Complaint Process
• Travel Insurance
• College Students
• Making the Claims Process Easier
• Workers' Compensation Insurance
• Credit Information - How Insurers Use it
• Finding a Reputable Insurance Company - Using Financial Rating Agencies
• Beware of Fraudulent Insurance Companies
• Insurance Guaranty Associations

Disasters

• Disaster Assistance for May 8 Storm Victims (July 2009)
• When Disaster Strikes - What to Do After an Insured Homeowners Loss
• Disasters - Who Can You Contact?
• Disaster Brochure

Auto Insurance

• Shopping Guide
• Credit Information - How Insurers Use it
• Definitions
• Teen Drivers
• If Your Automobile Insurance is Canceled
• If Your Automobile Insurance is Nonrenewed
• Filing an Auto Claim with Your Insurance Company
• Filing an Auto Claim with Another Driver's Insurance Company
• Total Loss Auto Claims with Your Insurance Company (Rule 919 Exhibit A - Rights of Recourse)
• Driving into Mexico

Health Insurance

• Acronyms
• Autism - Insurance Coverage
• Birth Control
• Breast Cancer - Coverage for Detection and Treatment
• Cancer
• Claim Denial - What to do if an insurer denies your clam
• COBRA – Federal Subsidies Under Stimulus Plan
• Continuation Rights - COBRA
• Continuation Rights - Illinois Law
• Continuation Rights - Illinois Spousal Law
• Continuation Rights - Dependent Children (July 1, 2004)
• Continuation Rights - Municipal Employee
• Coordination of Benefits (COB)
• Diabetes
• Disability Income Insurance
• HIPAA - Preexisting Conditions
• Health Maintenance Organizations (HMOs)
• Individual Accident and Health Insurance - Frequently Asked Questions
• Individual Major Medical Insurance
• Infertility Treatment
• Managed Care Reform
• Mandated Benefits
• Maternity Benefits
• Medical Necessity
• Mental Health Coverage
• Newborn Children
• Prompt Pay Law
• Self-Insured Health Plans
• Small Employers
• Small Employer Health Insurance Rating Act
• Uninsured Ombudsman Program | en español
• Usual and Customary Fees
• Young Adult Dependent Coverage Fact Sheet (P.A. 095-0958)
• Women's Health Care Issues

Senior Health Insurance

• Annuities and Senior Citizens
• Senior Health Insurance Program (SHIP)
• Getting Off to a Good Start with Medicare (What you need to know and do as you near your 65th birthday)
• Medicare Supplement Insurance

Homeowners Insurance

• Shopping Guide
• Credit Information - How Insurers Use it
• Definitions
• When Disaster Strikes - What to Do After an Insured Homeowners Loss
• Disasters - Who Can You Contact?
• Disaster Brochure
• If Your Homeowners Insurance Policy is Canceled
• If Your Homeowners Insurance Policy is Nonrenewed
• Mold Facts and Homeowners Insurance

Life Insurance and Annuities

• Annuities and Senior Citizens
• Guide to Equity-Indexed Annuities
• Acronyms
• Viatical Settlements and Accelerated Death Benefits
• Individual Life Insurance - Frequently Asked Questions
• Buying Life Insurance
• Replacing Life Insurance Policies or Annuities

Note: This information was developed to provide consumers with general information and guidance about insurance coverages and laws. It is not intended to provide regulated entities (insurance industry) with a formal, definitive description or interpretation of Department policy. For specific Department policy on any issue, regulated entities (insurance industry) should contact the Department.

Dates on the Department’s consumer fact sheets indicate the date of creation or last revision. In a fast-changing insurance marketplace, the Department continually evaluates these fact sheets to ensure that the information provided is helpful, accurate, and up-to-date.