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

• 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
• Birth Control
• Cancer
• Claim Denial - What to do if an insurer denies your clam
• 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
• Newborn Children
• Prompt Pay Law
• Small Employers
• Small Employer Health Insurance Rating Act
• Uninsured Ombudsman Program
• Usual and Customary Fees
• 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)

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.