Health Insurance in Illinois - Getting Back To Our Roots

With the cost of a fully fledged health insurance plan looming on the horizon in this country, now is simply not the time to implement such a change, at a time when the unemployment rate is high and people are desperately looking for work to support their families. People have more important things on their mind than doctor office co-pays in case they become ill.

Instead of offering a plan that covers everything, which most people would like to have, why don’t we implement a plan that covers the bare essentials? Let the people that want more coverage buy it as a supplement. This is what health insurance in Illinois was meant to do when it was first introduced back in the early part of this century. At first it was only there to cover accidents. Then awhile later it started covering major health conditions like cancer, stroke, heart attacks and other serious ailments. It did not cover doctor office co-pays.

That’s why I am a big promoter of high deductible health plans with a health savings account. It has premiums that are significantly lower than the plans that offer doctor office co-pays and prescription drugs up front. It stands to reason, the more risk you are willing to take on your health insurance needs the less expensive the premiums will be. That is not exactly rocket science, is it?

One of the biggest advantages of having this type of health insurance in Illinois is that you are able to pay your lower monthly premium to the health insurance carrier and you can then put the money you save into a health savings account and write it off on your taxes 100%. Why give it away to the health insurance carrier if your rarely go to the doctors. Wouldn’t you rather keep your money in your pocket?

Then if you do become ill you can then use the tax free money in your health savings account to pay for your qualified medical expenses. This sounds like a no-brainer to me, but in fact in some scenario’s it is not the best deal for every single family. That is exactly why I recommend seeking out a specialist in the health insurance market place. Luckily there is such a person right here in Illinois.

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, & Illinois Health Insurance Plans, To learn more visit his site at www.Focusinsgroup.com

Tags: Focus Insurance Group, Health Insurance in Illinois, Illinois Health Insurance Plans

Illinois Medicare - Supplementing with AARP

There is probably no better brand name amongst seniors than AARP - American Association of Retired Persons. This is because AARP has been serving and looking out for the best interests of retired Americans for over 6-decades, in fact it was formed in 1957. Believe it or not there are well over 40 million members in AARP today, and that is a huge voting block and they wield a tremendous amount of power in our government, as well they should, as they represent those who’ve spent their lives building up this great nation.

But did you know that AARP also offers supplemental Medicare insurance for your Illinois Medicare? That’s right and thus, when choosing a plan for your IL Medicare program, you need to take a look at the supplemental choices offered by United Health Care (endorsed by AARP). If you are looking for specific Illinois Medicare healthcare solutions then United Health Care “Medicare Solutions” plans might be just what you are looking for. The great thing about United Health Care or UHC is they work very hard to keep things simple.

Let’s face it, as we age, our mental acuity is not nearly what it was in our earlier days, so it’s nice to see UHC working with us and helping us through such a complicated process. Illinois Medicare provides a number of things we need for our health in the second half of our life, but often enough it leaves big holes when we need it most. Luckily, there are many insurance companies which are willing to cover those gaps for an additional low premium. UHC or United Health Care “Medicare Solutions” is one of those companies, and it is attached to one of the strongest brand names amongst our generation.

Before you purchase supplemental Medicare Insurance to fit you and your family’s healthcare needs, why not put UHC on the list of those reputable carriers to consider. If you need assistance in comparing companies, options, and healthcare strategies, then why not allow us to help you focus on choosing the right company to make your Illinois Medicare work for 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, & Illinois health insurance. To learn more visit his site at www.Focusinsgroup.com

Tags: Focus Insurance Group, Illinois health insurance, Illinois Medicare

Illinois Medicare Considerations and United of Omaha Health Insurance Plans

Illinois Medicare generally will not cover all the needs of any given individual, even with all the options presented. Each individual has specific health needs that are unique, and therefore Illinois Medicare puts forth generalized options to choose from that appear to serve the vast majority of folks.

The reality is that while “IL Medicare provides most of the things that most people need,” it does not necessarily provide “all the things that most people need” and there is a big difference between those two statements.

Go ahead and read those two statements once again and you’ll begin to understand why supplemental insurance plans are paramount for an individual health care strategy when considering insurance.

Now then, where do you go to find the healthcare insurance plan that you need to “gap” the difference? Well, first you need to look at the top Medicare Supplement insurance companies that have the best ratings and see what they offer. United of Omaha is a very strong company with a very good rating - meaning that if and when you have a claim, they will be there to cover those medical expenses as per the policy, which will be up and beyond where your Illinois Medicare ends.

Let’s face it, with medical bills skyrocketing and outpacing GDP growth or normal inflation by 5-10% per year, you can be left in the poor house, even for a minor healthcare issue, much less a big time healthcare scare to your longevity. One of the excellent things about United of Omaha is that they are also a big player in the Life Insurance Business, and you can bet if you have your life insurance policy with them also, they’d like to keep you alive as long as possible to prevent a massive payout. After all, to them you are worth more alive, right.

The United of Omaha Medicare Supplement Insurance policies will allow you to choose your own doctors and hospitals, and you can use their plan to “mix and match” it with other healthcare insurance plans and providers to get what you need. Their plans also allow you to adjust co-pays and coverage based on your financial where-with-all and budgetary needs. Thus, it perhaps, pays to sit down and discuss all this with a competent healthcare insurance agent who can home in and focus on your real needs and personal individual situation.

United of Omaha has all types of options from the very comprehensive to the basic al la carte supplement insurance options. This makes it nice when comparing notes and looking for the best coverage to fit your needs while shopping for the best deal to supplement your Illinois Medicare. After all, a little planning now can save your family from financial ruin and keep you alive if a medical crisis rears its head. In this way a supplemental policy to your Illinois Medicare coverage with United of Omaha makes a lot of sense.

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. To learn more visit his site at http://www.focusinsgroup.com

Tags: Focus Insurance Group, Illinois Medicare, Illinois Medicare Supplement

Illinois Medicare - a Look at American Continental Insurance Company and Supplemental Policies

Illinois residents have some distinct advantages when it comes to health care and medical services, namely due to the state’s economic might and population base we have some of the best hospitals, outpatient clinics, long-term care facilities, and medical research. This means we have some of the very best health care not only in the United States, but also in the entire world. That’s the good news, and thus, you should be very thankful to live in the Great State of Illinois.

Of course, with every benefit there are challenges too and due to the quality health care and the incredible demand of the population here, Illinois also has some of the most costly healthcare as well. This is why it really pays to shop around and see what’s out there before you commit to a healthcare insurance plan, or purchase Medicare Insurance with supplemental coverage. It’s also very important to know a little bit about the various medical insurance companies before shopping for around for the lowest price with the best coverage and benefits.

One company that has been a mainstay for many folks in Illinois is American Continental Insurance Company. It’s a company that you should definitely consider when shopping around to find the lowest bid, best premium costs, and best coverage. One interesting thing about American Continental Insurance Company (ACI) is they provide coverage for all sides of the equation. In other words, they provide insurance to hospitals, and doctors for malpractice, along with coverage for regular citizens like you and I. This means they understand what they are doing and the real risks and costs associated.

It’s always important to get the lowest cost on healthcare insurance, but more importantly is to find a company you can trust that will back you up when you have a claim, when you really need it. ACI has an “A-” rating and that’s pretty decent for healthcare insurance providers here in Illinois, especially those specializing in Medicare Supplemental Insurance. ACI or American Continental Insurance Company is part of Genworth Financial, which is now one of the biggest US insurance and financial companies in the United States and it has a strong balance sheet to back it up.

ACI’s specialty is Medicare Insurance, and their supplemental insurance policies often are just what’s needed. So, when shopping around for such coverage it makes sense to check their rates and your current medical situation against the other top competitors. ACI is just one of the top companies in Illinois for healthcare insurance specializing in Medicare Insurance, and supplementary coverage, there are plenty of others to compare also, but it stands to reason that you compare apples to apples, when shopping for price, because when you need it most your health insurance provider needs to be there to pay for your medical bills.

Since Illinois Medicare may not cover all an insured needs thus, a supplemental plan from American Continental Insurance Company can solve this problem. This is one of many options to consider when choosing IL Medicare Plans, and there are other strategies that it also pays to discuss.

The reality is that you want to save money, and you should. You should also make sure that you get what you need, and value for what you are paying for. Sometimes it gets extremely complicated in comparing rates, and if you find yourself challenged by all the different types of coverages, the huge price differentials, and the complexity of the “fine print” then perhaps it’s time you sat down with an expert who knows the ends-and-outs, which companies you can trust, and where the best value is for you and your loved ones. As always, I am here to help and never more than a phone call or email away.

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. To learn more visit his site at http://www.focusinsgroup.com

Tags: Focus Insurance Group, Illinois Medicare, Illinois Medicare Supplement