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Did You Know!

Choosing HMO vs. PPO
Weighing an HMO vs. a PPO can be tricky. You may not have an option if your company provides your health insurance. Some corporations only offer one plan, in which case your decision has been made for you.

HMOs tend to be cheaper and are easier to budget for since you will have a set monthly payment and predetermined co-pays. If you don’t go to the doctor or get prescriptions often, you may not pay much for coverage. The downside of choosing HMO vs. PPO is the lack of freedom in choosing your care provider.

A PPO could be right for you if you need that extra freedom of seeing whomever you wish or if you go to a lot of specialists. Rather than waiting around for your PCP’s referral, you can make your own appointment with anyone you want. Many health insurance consumers see HMOs and PPOs as the difference between timeand money: PPOs save you time, HMOs save you money. Your personal situation can help you decide.

Coinsurance and Health Coverage Coinsurance pertaining to health insurance is the amount of money you will have to pay after your deductible has been met. For example, if your deductible has already been met and your coinsurance level is 25%, you will be responsible for $25 of a $100 charge for any medical expenses covered by your insurance policy. In this particular scenario, the health insurance policy might be referred to as an 75/25 policy.

Full Coverage for Everyone!
If you've been declined or are at risk
of being declined coverage there
are still options. Ask us about the
Illinois Comprehensive Health
Insurance Plan (CHIP).

Application Process

Depending on the size and logistics of your employer group, the application process can
vary. The carrier should be allowed 30 days to process and underwrite applications.  The
group may need another 30 to 60 days to review plan options, make a carrier and plan
selection, and have employees complete appropriate enrollment forms. After underwritten
rates are offered by the carrier and accepted by the group, a group number is generated
and ID cards are mailed.