Health
Protecting yourself and your family is the most important thing in life, that's why having health insurance provides you with the peace of mind of knowing that you and your loved ones will be protected if the worst should ever happen. Our agents can match customers with a policy that covers specific types of illnesses and injuries, as well as more commonly occurring expenses like doctor’s visits and prescription medications.
FAQs
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Health insurance typically covers parts of bills that come from doctors’ visits, prescription drugs, and medical and surgical services.
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There are usually three categories to choose from:
Traditional fee-for-service health insurance. These are typically the most expensive option. They provide the most flexibility when it comes to choosing healthcare providers.
Health maintenance organizations (HMOs). These offer lower co-payments and cover the expenses of more preventative care. Your healthcare provider choices are limited to those who are part of the plan.
Preferred provider organizations (PPOs). Similar to HMOs, these provide lower co-payments. However, they give you more options when it comes to selecting a provider.
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Illinois no longer requires all to have a minimum level of health insurance. Although not required by law, health insurance can help prevent excessive medical expenses.
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According to the Kaiser Family Foundation, the national average health insurance premium for a plan in 2022 is $438. Primarily, five factors affect the cost of plans. These include:
Age
Location
Tobacco use
Who is added to your plan
Type of plan
