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At one point or another, nearly everyone has lived through the experience of seeing a loved one cope with sickness or a serious injury. You only have to go through that experience once to know just how much it means to have health insurance. Yet more than a quarter of a million children in Illinois do not have health insurance. That means they may not be able to see a doctor or get medicine when they need to. When they do get medical care, it’s often in the emergency room, after a small problem has grown into a big problem. That’s wrong. Every child should be able to get medical care when they need it, before it becomes an emergency.
That’s why the All Kids program was created, to make healthcare a reality for hundreds of thousands of families across the state. Illinois is the first state in the nation to provide affordable, comprehensive health insurance for every child. Of the 250,000 children in Illinois without health insurance, more than half come from working and middle class families who earn too much to qualify for state programs like KidCare, but not enough to afford private health insurance. Through All Kids, comprehensive health insurance is available to every uninsured child, at rates their parents can afford.
The All Kids program offers Illinois uninsured children comprehensive healthcare that includes doctors visits, hospital stays, prescription drugs, vision care, dental care and medical devices like eyeglasses and asthma inhalers. Parents pay monthly premiums for the coverage, but rates for middle-income families are significantly lower than they are on the private market. For instance, a family of four that earns between $42,000 and $63,000 a year pays a $40 monthly premium per child, and a $10 co-pay per physician visit. To get enrollment information, fill out the application today. The program officially began on July 1, 2006.
We know providing every child with health coverage means better attendance and performance in our schools. We know it reduces the pressure on insurance premiums. We also know it can boost our local economies and improve productivity in the workplace. But more than any of these things, giving every child the chance to grow up healthy is the right thing to do.
All Kids Premiums and Out-of-Pocket Costs Vary by Monthly Income and Family Size.
To find out how much All Kids may cost you, follow these 4 simple steps:
- Find your family size in the column “Family Size.” Be sure to count yourself.
- Look only at your family size row. Read across that row to the box where your family’s total monthly gross income falls.
- The box will be in the column of the All Kids plan that matches your income.
- Read down that column to the cost box below. The cost box shows the Monthly Premium per child, along with the maximum Monthly Premium for your family, and the Maximum Co-Payments per child, per year.
What services do All Kids, FamilyCare and Moms & Babies cover?
Members of All Kids, FamilyCare and Moms & Babies can get these important health services:
- Doctor services
- Clinic services
- Dental services (limited coverage for adults)
- Emergency room services
- Hospital services (inpatient and outpatient)
- Maternity care (special care during and after pregnancy)
- Surgery
- Medicines (prescription drugs)
- Lab and X-ray services
- Mental health treatment (inpatient and outpatient)
- Substance abuse treatment (inpatient and outpatient)
- Family planning services and supplies
- Medical supplies and equipment
- Transportation for emergency medical care
- Home health services
- Early intervention services
- Audiologist (hearing) services
- Eye glasses
- Optometrist (eye) services
- Podiatric (feet) services
- Chiropractic services
- Intermediate care for people who are developmentally disabled
- Care in skilled pediatric nursing facilities
- Nursing home services
- Regular checkups and shots for children
- Renal (kidney) dialysis services
- Nursing care
- Physical therapy, occupational therapy, speech therapy
- Hospice care
- Respiratory (breathing) equipment and supplies
Certain families may qualify for help with transportation to get to medical appointments.
What is a medical home?
A medical home is a doctors office or clinic that knows you and knows about your health care needs. Your medical home is where all your records are, and its the place you go and bring your children for checkups and when you are sick. Your medical home might be a primary care doctor or a clinic.
Heres what a primary care doctor or clinic can do for you and your children:
- Take care of you when you are sick
- Give your children checkups and shots
- Help you manage diseases and chronic conditions, such as asthma or diabetes
- Send you to specialists or other health providers when you need to go
- Give you the information you need to stay healthy
Income Box*
| Family Size | All Kids Assist | All Kids Share | All Kids Premium Level 1 | All Kids Premium Level 2 | All Kids Premium Level 3 | All Kids Premium Level 4 | All Kids Premium Level 5-7 | All Kids Premium Level 8 |
| 1 | Up to $1,200 per month | $1,201 – 1,354 per month |
$1,355 – 1,805 per month |
$1,806 – 2,708 per month |
$2,709 – 3,610 per month |
$3,611 – 4,513 per month |
$4,514 – 7,220 per month |
$7,221 or more per month |
| 2 | Up to $1,615 per month | $1,616 – 1,821 per month |
$1,822 – 2,428 per month |
$2,429 – 3,643 per month |
$3,644 – 4,857 per month |
$4,858 – 6,071 per month |
$6,072 – 9,713 per month |
$9,714 or more per month |
| 3 | Up to $2,029 per month | $2,030 – 2,289 per month |
$2,290 – 3,052 per month |
$3,053 – 4,578 per month |
$4,579 – 6,103 per month |
$6,104 – 7,629 per month |
$7,630 – 12,207 per month |
$12,208 or more per month |
| 4 | Up to $2,444 per month |
$2,445 – 2,756 per month |
$2,757 – 3,675 per month |
$3,676 – 5,513 per month |
$5,514 – 7,350 per month |
$7,351 – 9,188 per month |
$9,189 – 14,700 per month |
$14,701 or more per month |
| 5 | Up to $2,858 per month |
$2,859 – 3,224 per month |
$3,225 – 4,298 per month |
$4,299 – 6,448 per month |
$6,449 – 8,597 per month |
$8,598 – 10,746 per month |
$10,747 – 17,193 per month |
$17,194 or more per month |
| Cost Box | ||||||||
| Monthly Premium per child | None | None | 1 child: $15 2 children: $25 Ea. add’l child: $5 |
$40 per child | $70 per child | $100 per child | $150 – 250 per child |
$300 per child |
| Max Monthly Premium | N/A | N/A | $40 for 5 or more children | $80 for 2 or more children | $140 for 2 or more children | $200 for 2 or more children | No cap | No Cap |
| Max Co-Payments per year |
No co-payments |
$100 per family for all services |
$100 per family for all services |
$500 per child for hospital services |
$750 per child for hospital services |
$1,000 per child for hospital services |
$5,000 per child for hospital services |
No Max |
*Income levels have been updated for 2009.
All Kids Hotline 1-866-ALL-KIDS (1-866-255-5437)
TTY: 1-877-204-1012
