Illinois Health Insurance
Get a Quote »Welcome to those looking for Illinois health insurance quotes. We provide individual, family and employer sponsored group policies. Our agency represents several reputable carriers including Aetna, Anthem Blue Cross Blue Shield, United Health Care, Golden Rule and others.
We serve the entire state of IL including Chicago, Peoria, Springfield and all places in between. You can view and compare plans online and direct with all of our carriers.
Purchasing Illinois Health Insurance Direct
Oftentimes, it is helpful to speak to an independent agent when searching for medical insurance coverage. There is no additional costs to work with us to find and enroll in the coverage that you need. Prices are controlled by law and are the same no matter their origination.
You may wish to know more about maternity coverage, short term health insurance, dental insurance, preventive care, office co-pay options, student plans, or prescription drug coverage. We will help find a suitable plan to fit your needs. We also offer direct links to our carriers for individual and family quoting.
Employer Based Group Health Insurance Quotes
We serve the Illinois business marketplace by providing group health insurance plans and ancillary benefits such as dental, vision, disability and life insurance. Popular group carriers include Anthem Blue Cross, Aetna and United Healthcare. We also offer voluntary benefits to employee groups in need of stand alone employee paid benefits. Please use this form for a group inquiry.
Maternity Health Insurance Covering Pregnancy
We offer plans including maternity coverage. This is a rider that can be added to some policies, but is not offered by all carriers.
Waiting periods for pregnancy related benefits will vary between carriers and usually range from three to twelve months. However, you cannot already be pregnant and then apply for coverage.
All policies will have a large network of doctors and hospitals for the insured to choose from. Many networks expand out of Illinois and include facilities across the United States should you be considering a move. You will save the most money by using the network affiliated doctors and hospitals for all covered services.
Illinois Health Savings Account Insurance Plans
Health savings accounts are always coupled with high deductible health insurance plan and are a popular alternative to traditional coverage. Funds deposited into HSAs are tax deductible, grow tax deferred, and can be withdrawn tax free for qualified medical expenses.
The accumulated funds year over year always belong to the account owner, not the insurance company. Health Savings accounts can be setup and maintained with the bank associated with your chosen insurance company or at your local bank if you prefer.
Typically, HSA plan premiums are less expensive than traditional plans. Consumers who opt to purchase qualified health insurance plans can pay for incidental expenses using their health savings account. Accumulated funds can be used to meet the deductible, cover a prescription, or for a doctors visit.
Once the deductible has been reached, typically the insurance company pays for all covered expenses at a 100% level as outlined in the policy. Of course, you should ask your agent about any limitations as policies do vary.
As is the case with all insurance plans, preventive care is not subject to the deductible or any copay amount. This means that mandated preventive services are entirely paid for by the insurance company as designated by the government.
Contact Us For Quotes And Assistance
We are an independent health agency and will help find the most affordable and suitable coverage for you, your family, or your business.
