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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.

COBRA/State Continuation
Know your rights and responsibilities.
COBRA law applies to groups of 20 or
more. State Continuation law applies
to groups of 19 and less.

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).

Group Health Insurance

We understand the need of small businesses to offer a good benefits package while managing cost. As an insurance broker, we are able to quote a variety of carriers for you. This allows us to provide a comprehensive analysis of these carriers and and their plans.

Consider us your external Benefits Department.
We are happy to assist you with:

  • Application processing
  • Benefit questions
  • Claim problems
  • Employee presentations
Let us provide a comprehensive analysis for your group. Complete a quote request,
then fax to (815) 609-9645, attention Andrew Carver, or fill out an online quote request.