Illinois Family Health insurance facts & figures
“They say that liars figure and figures lie” and I’ve always thought that to be an interesting quote, and yet, in the insurance business sometimes all we have is statistics and a hard core reality check. Perhaps, it is for this reason that I wanted to mention some statistics to you, which came from a non-biased source - in a well-known consumer insurance book.
The Kaiser Family Foundation did an industry survey and found that the most common Illinois Family Health Insurance Plans ran in excess of $10,000 per year.
If you have a family now and you do have insurance, you can attest to this, if not you can understand why it is important to do some research before investing in an Illinois Family Health Insurance policy - not just cost of monthly premiums, but the reality of the policy, and the value and safety it provides your family against all sorts of the most common health care challenges we face as Illinois residents.
The tough truth is “everybody” and everyone in your family needs health care coverage, and perhaps, we need to look at your current policy and see if it stacks up – both cost wise and coverage.
Illinois family health care insurance should not cause you to cancel all your family vacations, or force you and your family to eat Top Ramen and Macaroni & Cheese for the rest of your life. And mind you, I don’t have anything against those fine dishes either, but seriously, let’s talk about this for a moment shall we? Look, I am here to save you money on your family health insurance in Illinois, and I make a small stipend when I do.
So, let’s go ahead and review what insurance you currently have, your real needs and risks, and then see if we can match or beat the premiums you are paying while increasing the benefit – just in case you ever need it, as most of us do at one time or another. And, the more people in your family the greater the chances of such an occurrence. Give me a call for a free consultation, and let me show you what’s available and give you the non-sugar coated version, you deserve to know.
Think about your reward - No More Stress - No More Worries - and Mission Accomplished!
Randy Gillespie is the owner of Focus Insurance Group, get expert help from an agent specializing in Illinois Family Health Insurance, & Family Health Insurance in Illinois. To learn more visit his site at www.Focusinsgroup.com
Illinois Medicare Supplement – Insurance Company Civil Penalties Considered
For those companies which offer Illinois Medicare Supplement insurance or Medigap – they must stay within strict guidelines, or they will be in violation of their registration or license to offer such coverage. These insurance companies are required to give the insured a disclosure statement of exactly what is covered, and what is not.
These disclosures must be in plain in simple English, and not riddled with hard to understand legalese. Although various states have different laws regarding exactly what must be disclosed there are also federal laws, which must be disclosed in all states including Illinois.
There are severe civil fines and criminal penalties for any company or insurer that fails to provide these required disclosure statements. The federal civil penalties and criminal charges can be put forth against any insurance company or agent, which intentionally or knowingly duplicates the coverage which is required and given to all persons under Medicare. Medigap insurance is exactly that, it is only to cover the difference between what Medicare enrollment allots for, and what the insured wishes to protect against.
There are also harsh and stiff penalties for making false statements that a given policy meets legal criteria for certification or complies with specific standards if and when it does not. And, it should also be noted that there are severe penalties when Medigap insurance policies are denied based on discrimination.
Although with such criminal and civil penalties, you’d expect that no insurance agent or insurance company would ever break the law - it does and has happened, and when it does it often goes undetected because Medicare is such a complex and complicated thing to understand for most people.
If you have any questions about Medicare or Illinois Medicare supplemental insurance, feel free to give me a call so I can explain it to you, and also explain what is covered with your Medicare enrollment, and what is not. Then, and only then you can decide if you wish to shore up those risks with an additional policy to protect you.
Think about your reward - No More Stress - No More Worries - and Mission Accomplished!
Randy Gillespie is the owner of Focus Insurance Group, get expert help from an agent specializing in Illinois Medicare Supplement & Illinois Medicare. To learn more visit his site at http://www.focusinsgroup.com
Health Insurance In Illinois - United Health One in Illinois
Golden Rule health insurance in Illinois has always been a strong name when it comes to minimizing your financial risks due to the rising costs of health care in our state. Golden Rule is a brand name of UnitedHealthOne. United Health One is the parent company, and they also offer employer group health coverage, as well as disability and life insurance amongst the other markets they serve. And they do represent their clients of Illinois and they have a claims office in Lawrenceville, IL.
Their health savings plans are interesting and perhaps, an avenue you’d like to look into, and if you do not have dental insurance, there is a plan for that too through Golden Rule. It might be wise to look at all they cover and get a quote for you and your family which is comprehensive in nature, one that fits all of your needs. I’ve noted some very decent health insurance quotes coming back from Golden Rule of Illinois, some very favorable and affordable insurance premium rates.
Whereas, they may not always be the lowest price or best value for everyone, as this all depends on your personal medical and health needs, they do offer a competitive comparison, and this is one reason, I like to run a quote by them to see where they stand. We need to get you the best rates and best coverage, health insurance in Illinois is important, and that means taking the responsibility to shop around. So, give me a call today.
Think about your reward - No More Stress - No More Worries - and Mission Accomplished!
Randy Gillespie is the owner of Focus Insurance Group, get expert help from an agent specializing in Health Insurance In Illinois. To learn more visit his site at www.focusinsgroup.com
Illinois Individual Health Insurance Can Best Be Found Using The Internet
In the past, if a person wanted to find an affordable Illinois Individual health insurance policy it was necessary to call a local agent to know about the different insurance plans. The majority of the people opted for the plans suggested by the local agent. However, today this process is very simple and easy. You can use the internet these days in order to find out the best Illinois health insurance plan with ease.
Paying a visit to the websites of carriers will help you in running the health insurance quotes. However, it is a time consuming process. You will have to spend a lot of time to find the perfect insurance plan. There are a lot of different health insurance carriers present in Illinois, some better than others. Since there are a lot of different carriers in Illinois, this makes it more difficult for you to find the best plan. It is advisable to consult with an expert health insurance broker in order to find the best Illinois Individual Health insurance plan that meets your requirements.
One of the major reasons why it is difficult to get the best health insurance policy is that the carriers will not provide the accurate rate if you are unhealthy. It has been noted that pre-existing conditions is the hottest topic and the buzzword used in most of the heath care insurance debates. Therefore, your health condition plays a major role in getting the accurate rate from the insurance carriers.
The abundance of so many Illinois Health insurance companies in our state has made it easy for us to choose a wide variety of affordable insurance plans that are sometimes not offered in other states. In some states there will be only very few carriers available, and one of them will typically have more than ninety percent of the business in that state. However, it is not the case in IL. In this state, there exists a lot of competition between the carriers. These companies give their pricing lists and plan designs to the brokers and some of the carriers to online quote engines in order to promote their insurance plans.
Therefore, finding a licensed agent who is allowed to access the different programs offered by the insurance carriers can save a large amount of time as well as energy that is spent in finding the most affordable Illinois Individual Health Insurance plan. It is much more difficult selecting the ideal insurance plan that meets your requirements without the help of an expert insurance broker. An expert insurance broker will provide you all the information about the different insurance plans that are offered. This will help you to get the best health insurance plan in ease.
Internet is the best option in finding Illinois individual health insurance. But you can save a lot of time and hassle if you combine using the internet and the help of an expert broker to make the perfect decision.
Think about your reward - No More Stress - No More Worries - and Mission Accomplished!
Randy Gillespie is the owner of Focus Insurance Group, get expert help from an agent specializing in Illinois Individual Health Insurance & Illinois Health Insurance Quote. To learn more visit his site at www.FocusInsGroup.com
Illinois Health Insurance - Blue Cross Blue Shield of Illinois
An important topic for residents of Illinois is that of health insurance. There are 12 million residents of the state and growing. Long-time inhabitants of Illinois understand that living in this state is one of the best places to be when you are seeking out insurance to protect the health of yourself and your family. This is especially true if you qualify for low income insurance rates. It is inconsequential what kind of Illinois health insurance you are seeking. You can find exactly the right coverage for you and your family at a cost you can manage. Often the key is to find the right company.
There are a number of plans you can choose from. Everything from short-term to long-term, catastrophic coverage for those at high risk or more basic plans for generally healthy people are offered in Illinois. Plus, you can seek individual, family or group plans at very reasonable rates. No matter your position, whether you are a small business owner looking for a plan to give your workers, the head of the household seeking proper coverage for your family, or a single person ensuring your personal coverage, Illinois health insurance comes in all shapes and sizes. If you feel overwhelmed with your choices, there are things you can do as a resident of Illinois to make finding the perfect coverage easier than ever.
Professional insurance agencies are set up in Illinois to help you choose the best plan. Blue Cross Blue Shield Illinois, or BCBS, is a prime selection that many residents of the state enjoy coverage from. Many people are able to find the absolute best plan for themselves, their families or their employees without making any compromises. The ability that BCBS has to give their customers the choice of tailoring an Illinois health insurance plan to their specific needs is a great draw to obtaining coverage from this company.
While BCBS is a nationwide company that offers coverage to people in many states across the country, the coverage you can receive in Illinois from this company is second to none. The headquarters is located in Chicago, hitting close to home for many Illinois residents. Whether you are a generally healthy person or suffer from a preexisting condition, you will not be victimized because of your specific situation. Hundreds of thousands of residents already enjoy their Illinois health insurance from BCBS, and you can as well.
Randy Gillespie is the owner of Focus Insurance Group, get expert help from an agent specializing in Illinois Health Insurance, & Health Insurance In Illinois, To learn more visit his site at www.Focusinsgroup.com
Medicare in Illinois – American Continental Life and Gerber Life Medigap Policies
It hardly matters where you go in our Great Nation; every one over the age of 65 is concerned about their Medicare coverage. And whereas, I’d like to set your mind at ease and tell you not to worry about it, I’d be less-than-ethical to do so. It’s not that I want you to worry, in fact, my job is to set you up on a plan that is worry free, and perhaps, this is what has brought you to read this article in the first place.
Not long ago, I talked to a buddy of mine who’d been vacationing in Hawaii on Oahu, and he was staying in the less-touristy side of the island in a little town called Kailua, yes, the same town the President vacations at when he isn’t being interrupted from people and events like the underwear bomber. In any case, what he told me was that even the folks that live in that quaint little tropical town in near paradise, well they were just as concerned about their Medicare coverage as you are here in the Great State of Illinois.
Indeed, I talked to a friend in California - they’ve been in the news a bit lately haven’t they - as a couple of health care insurance carriers have sky-rocketed their rates increasing premiums almost 40% in some cases literally overnight. Now those cases are being investigated by the California Insurance Board, and it is likely that the finding will be that these companies will be allowed to raise their rates, as they have been spending 70% of their income on actual claims - sounds scary doesn’t it?
Indeed, and even here with Medicare in Illinois we could see rates rise for Medigap coverage. As I have feelers out all over this country and as I listen to my customers here, it seems that everyone over the age of 65 is worried these days. This is why I always look for quotes from the best rated companies in Illinois when it comes to Medigap coverage to supplement your Illinois Medicare enrollment.
Two companies I look at, and there are a number of good companies that I run quotes by, are American Continental Life Insurance’s Medigap Coverage Policy, and Gerber Life’s Illinois Medicare Supplemental Medigap plan.
But, you say; “American Continental Life Insurance and Gerber Life Insurance are life insurance companies, so, why would I purchase my Illinois Medicare supplemental insurance through them?” So, okay, this is a good question, and you must understand that both American Continental Life and Gerber Life want your business, and they know if you have your Medigap insurance coverage through them, you might be interested in one of their life insurance plans also. You don’t have to combine all these coverage’s with one company like American Continental Life or Gerber Life, but they aim to earn your business and respect.
Doesn’t it make sense to look at companies that are going out of their way to make you happy and give you the coverage you need and desire, rather than a poorly rated carrier that really tries to maximize their income on only one type of insurance policy, and then raising the prices on you, just because they can? Anyway, why not think about that a bit, and let’s talk about getting you a great policy at a low-price.
Think about your reward - No More Stress - No More Worries - and Mission Accomplished!
Randy Gillespie is the owner of Focus Insurance Group, get expert help from an agent specializing in Illinois Medicare Supplement & Illinois Medicare. To learn more visit his site at http://www.focusinsgroup.com
Illinois Medicare - Shoring up the Gaps
When considering shoring up the gaps in your Illinois Medicare Plan, it always makes sense to get a quote from United of Omaha. And if you recognize that name, it’s because they also sell life insurance. Does United of Omaha have the best Medicare Supplement coverage? Do they have the best rates? Well, yes, depending on your current medical issues and future healthcare needs, they just might. United of Omaha has done very well with Illinois Medicare supplemental plans over the years and they do insure a huge number of folks in our state, meaning they have good market share penetration here.
In fact, the United of Omaha Life Insurance Company happens to be licensed in all states except New York, and if you are looking for Medicare Supplemental insurance to augment your Illinois Medicare Plan you should ask your health insurance agent for an outline of coverages and to make sure that your agent does offer supplemental packages from this company. You’ll find that the best agents often do.
Although Illinois Medicare Supplement plans are standard, you should not assume that all Medicare Supplemental polices are equal, or that all insurance companies are equal. You need good coverage which fits your needs, and you need a decent policy which fits your budget too. And lastly, you need to make sure you are with a highly rated healthcare insurance company that will back up its policy and not try to get out of payment, sticking you with the bill.
Perhaps, it’s time you looked into United of Omaha, and reviewed your healthcare insurance needs, Medicare Plan, and supplemental coverage. Even if you are currently in perfect health and have been in the last decade, the unknown future which lies ahead may have a few bumps in it, so you need to make sure that you have the right strategy to weather that storm. Let’s get together and figure this thing out.
Think about your reward - No More Stress - No More Worries - and Mission Accomplished!
Randy Gillespie is the owner of Focus Insurance Group, get expert help from an agent specializing in Illinois Medicare & Illinois Medicare Supplement . To learn more visit his site at http://www.focusinsgroup.com .
Illinois Medicare - Staying Out Of The Poor House
American Continental Insurance, a Genworth Insurance Company, specializes in Medicare Supplement Insurance for Illinois Medicare. Due to gaps in coverage in Illinois Medicare Parts A and B, it often makes sense to carry a reasonably priced Medicare Supplement plan to prevent your healthcare costs from putting you into the poor house. For many Illinois residents American Continental Insurance Company has been the insurance provider of choice to solve this problem and help conquer this challenge. Indeed, there is a very good reason for this, namely, their rates are highly competitive.
Thus, it makes sense when comparing health care insurance rates to complete the Medicare Plan which is right for you to take a look at American Continental Insurance Company. Since, this will be a major decision and could affect your future you should look at all the companies with the highest satisfaction rates, and the lowest costs in premium with the best coverage. If this all sounds very complicated, perhaps, that’s because it is, but it doesn’t necessarily have to be if you have a health care insurance agent that knows the ropes.
It pays to find an agent that “gets it” and one who understands what is really needed - which companies offer it and how to design the right coverage for your individual needs. If you currently have Illinois Medicare or will be hitting the age soon where you will enroll in an Illinois Medicare Supplement, then you want to make sure you are not paying too much for that which you don’t need, or paying for Medicare Supplement Insurance to bridge the gap with a company that most likely will not be there when you or an older member of your family really needs them.
Let’s set up a time in the near future when we can look over your current health situation, future health care needs, and your current policies. Let’s run the numbers, sharpen our pencil, and run some quotes with some of the top rated companies - companies such as Genworth’s American Continental Insurance Company - because a little planning now, can save you a lot of stress and money later.
Think about your reward - No More Stress - No More Worries - and Mission Accomplished!
Randy Gillespie is the owner of Focus Insurance Group, get expert help from an agent specializing in Illinois Medicare & Illinois Medicare Supplement. To learn more visit his site at http://www.focusinsgroup.com .
Augmenting Your Illinois Medicare With an AARP Plan
It makes sense that the American Association of Retired Persons (AARP) would endorse a Medicare Supplemental insurance company to augment your Medicare Plan. It also makes sense that if you are enrolled in Illinois Medicare that you’d turn to AARP for a decent recommendation for the right supplementary policy to do just that and cross the gap. So, if you are like most, you probably at least want to get a quote from AARP’s recommended and endorsed Medicare Supplement insurance company.
Well, the name of the company, the one they have endorsed is United Health Care and so, perhaps you should find an agent which handles United Health Care supplemental policies to help you strategize in choosing a supplemental plan and assisting you in shopping around for the best quote, and thus, find you a policy that fits your budget, needs, and makes sense for your individual health issues. You are going to need a supplemental plan to augment your Illinois Medicare, a policy from a company that has a high satisfaction rate amongst those in your age bracket and similar needs.
Apparently, AARP has worked quite hard to do much of the leg work and research for you. Still, you are also going to want to check out the other strong players offering coverage in Supplemental Medicare and compare them against AARP’s endorsement. United Health Care is a top rated health care insurance company, even without AARP’s recommendation, but so are a good many others, some of which might actually fit your individual needs better.
So, just because the American Association of Retired Persons, which you are probably a member of, wants you to think of United Health Care when you think Illinois Medicare, does not mean you have too. Prudence is important when picking policies.
Tell you what, why don’t you schedule a time to go over all this, perhaps on the phone, and let me do the research for you, and round up the best quotes from the best companies. Then let’s compare them together side-by-side, and see how they stack up? After all, stress is one of the early warning signs of future challenges with your health, so there is absolutely no sense in getting all worked up over nothing trying to figure all the Illinois Medicare Supplemental Insurance choices by yourself.
Think about your reward - No More Stress - No More Worries - and Mission Accomplished!
Randy Gillespie is the owner of Focus Insurance Group, get expert help from an agent specializing in Illinois Medicare & Illinois Medicare Supplemental Insurance. To learn more visit his site at www.focusinsgroup.com.
AARP - United Health Care and Illinois Medicare Enrollment
If you are enrolled in Illinois Medicare, and if you are an AARP member chances are Healthcare is on your mind. In fact it seems to be on everyone’s mind lately. Yes, including our legislative and executive branch. Unfortunately, it doesn’t seem like we are going to get health care reform, I mean real reform, meanwhile the costs are skyrocketing for medicine and medical care far outpacing the inflation rates in other sectors of our economy, often 10:1.
Since this issue is on your mind, well, it’s on my mind as well, and we work really hard to assist those with Illinois Medicare get the supplemental healthcare insurance they need to bridge the gap and prevent them from going into the poor house. It’s no laughing matter considering the number one cause of bankruptcy in the US is now unforeseen medical expense and bills that folks have no way of paying. It is good to see that AARP has thought this through and is busy lobbying for your rights. It’s also nice to know that they’ve endorsed United Health Care as a recommendation for Health Care insurance.
Just so you know United Health Care does have competitive rates, and depending on your personal situation and it is possible that they will come back with the lowest quote. No, not always, but a good bit of the time, this is what we are seeing out there. Now then, United Health Care’s supplemental insurance for Illinois Medicare does have a few stipulations such as;
“You must meet the minimum age requirement of 65+ to be eligible. If you are not yet age 65, but eligible for Medicare by reason of disability.. ..”
Therefore, if you need assistance in getting a quote or comparing United Health Care against the other top Illinois Medicare supplemental insurance carriers, then why not make a phone appointment and we can discuss this and get you on the right track, with the best rate to fit your real needs? Let me explain all this to you without all the legal mumbo-jumbo, and then you can decide knowing the facts.
Think about your reward - No More Stress - No More Worries - and Mission Accomplished!
Randy Gillespie is the owner of Focus Insurance Group, get expert help from an agent specializing in Illinois Medicare & Illinois Medicare Supplement Insurance. To learn more visit his site at www.focusinsgroup.com
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- Illinois Family Health insurance facts & figures
- Illinois Medicare Supplement – Insurance Company Civil Penalties Considered
- Health Insurance In Illinois - United Health One in Illinois
- Illinois Individual Health Insurance Can Best Be Found Using The Internet
- Illinois Health Insurance - Blue Cross Blue Shield of Illinois