Illinois Health Insurance Companies

The state of Illinois has several private health insurance companies that provide attractive insurance options to its citizens. There are also public insurance plans like the CHIP, but private insurance plans are very popular.

Some of the most popular health insurance companies in Illinois are: Assurant Health, Celtic, Unicare, Fortis Health, Blue Cross/Blue Shield, Golden Rule Insurance, Aetna, AIG, Allianz, Fort Dearborn, Guardian, HPA, Humana, ING, John Hancock, Metlife, Pacific Life, Transamerica, United Healthcare, Zurich and United Security Life and Insurance Co. Most of these companies have several health insurance options, such as family and individual, group health plans, children’s health plans, temporary/short term health insurance, self-employed health insurance, student health insurance, discount medical plans, Medicare supplement, international health insurance and long term care plans.

Illinois health insurance companies offer competitive options and rates for Illinois citizens. Quotes can be obtained directly from the insurance company by submitting some basic information. There are also several health insurance brokerage companies that offer health insurance options from multiple companies. There are literally hundreds of health insurance plans to choose from. These brokerage firms offer advice on the best kind of plan to choose, options for reducing premiums, different deductible options, and other aspects such as co-payments and co-insurance. They can also provide special assistance for people with special needs. Information about special state programs such as COBRA, the Trade Adjustment Assistance Reform Act, Medicaid and Illinois KidCare, CHIP, Medicare, Illinois’ High-Risk Pool for People with Health Problems and many other state programs can also be obtained from these companies.

It is always better to use a brokerage company or an insurance agent because of the availability of so many plans. An agent would be able to suggest the best kind of policy. Most of the Illinois health insurance companies can also be reached through the phone or online. Quotes can also be requested online or by phone.

Assurant Health Insurance Company of Arizona Review

Assurant Health Insurance Company of Arizona is one of the premier medical insurance companies in the state of Arizona. Of course, Assurant of Arizona is not the only choice in the Arizona health insurance market so read on to learn a little more about the different Assurant AZ health insurance plans available and if they make sense for your health insurance needs.

A company that has been growing within the United States, Assurant is given a rating of A- by A.M. Best meaning that they are doing everything they are financially stable and able to pay claims. The company was founded in 1969 and is based in New York; however the health care division of this great company didn’t get founded until 1982; so it’s a relatively new company within the “top dogs” of health insurance. Although it is relatively new to the United States, Assurant has established themselves as a global company that operated in the countries of Canada, United Kingdom, Denmark, Germany, Spain, Italy, Argentina, Brazil and Puerto Rico.

Although Assurant is not as big as some other ones in the state of Arizona, they do offer some great plans that can be of benefit to many people. They offer health care coverage to people that aren’t covered through their employers or other groups and they cover about 1 million people within the United States. It is important however, to shop around before deciding on which Arizona health insurance company to sign up with. Based on their ratings by A.M. Best, Assurant’s underwriting companies (Time Insurance Company and John Alden Life) are one of the top sellers in temporary health insurance and the company was one of the first ones to introduce Health Savings Accounts (HSA’s) into the market.

Within the state of Arizona the company offers 4 plans that are all fairly comprehensive in nature. Below you will find the 4 plans listed with a brief description of each one. The description will not include every piece of information possible about the plan, but it will summarize the most important things about it and the cost for each coverage option.

1. Coremed: One of the best things about this AZ health plan is that it offers you the option of locking in your rate for up to 36 months if you were to enroll and that you will be protected anywhere in the world. You will use the PPO network meaning that you won’t need the need of referrals when it comes to getting a second opinion or going to another doctor. You can also receive what they call a “Healthy Discount” if you maintain good health, which will give you 10% off services.

The beauty of this plan is that you can choose from a variety of deductibles according to your health care need. They offer deductibles from $0 to $10,000 with the highest deductibles having a lower monthly premium because they pay higher out of pocket expenses. Copays for doctor visits in case you have a deductible are $35, while you have to pay $45 if you don’t have a deductible. For prescription medications you will only pay $15, however if you want more than a generic medication you will have to pay $25 plus 50% co-insurance after a $500 deductible (the family deductible is $1,000). Hospitalization cost varies with deductible (it can be $0, $200 or $750) and you will pay a $75 fee for going to the emergency room.

2. Maxplan: When you apply for this plan you can expect a response within 48 hours and you can also lock in your rate up to 36 months depending on the coverage. You will also be covered everywhere in the world, be offered the “Healthy Discount” if you maintain good health and be using the Preferred Provider Organization (PPO) network. The deductibles on this plan range from $0 to $25000 making some of the rates lower than the Coremed plans.

Co-insurance for the services range from 0 to 50% and the out-of-pocket maximum can be $7500 or $10,000 depending on the plan you choose to purchase. Just like the other plan, you only pay $15 for generic medicines and refills, while brand name and specialty medicines have a deductible of $500 for individual and $1,000 for families.

Apart from the deductible you will have to pay a $25 copay plus 20% co-insurance. There is no limit on office visits and if you have a deductible you should expect to pay $25 while no deductible plans should expect to pay $35. The emergency room fee is also $75 and hospitalization is covered after you meet the deductible.

3. OneDeductible: This type of plans is Health Savings Account compatible and is very famous within the state for that same reason. It is chosen by many members because the plan can protect you from large medical bills, provides tax advantages ad keep premiums affordable. This type of plan has an individual deductible plan ranging from $0 to $5,000 and a family deductible from $2,000 to $10,000 accordingly. The prescription coverage, office visits and preventive services are covered with an emergency room fee of $75. Hospitalization is also covered.

4. SaveRight: This is the other side that Assurant offers to Health Savings Account members. The customer will only have three choices of deductibles: $2,200, $3,000 and $5,100 for an individual with the family deductible being two times that. Office visits and prescription medications are covered, however with prescription medications you will have a $2000 out-of-pocket maximum for brand and generic combined. Hospitalizations are also covered and emergency room visits are the same as the other plan ($75).

How to Find the Best Health Insurance Companies With the Best Rates

The best health insurance companies aren’t necessarily those with the highest premiums or the catchiest advertisements. The best company for you is the one that offers the coverage you need at a price you can afford.

Whether this means you look at bare-bones HMO plans, or policies with full medical, dental, and vision coverage for everyone in your family, the choice is up to you.

What Are Your Choices?

If you’re buying into a group policy through your employer, your insurance choices are limited to what your employer offers. But if you’re buying your own policy, you can design one specifically suited to your needs.

Maybe you just need a short term policy to cover you for a few months. Maybe you’re in good health and just want a major medical policy to cover you for accidents and major illnesses. Maybe you’re looking at HMOs and PPOs to save some money, or a high-deductible plan coupled with a health savings account. Your choices are nearly limitless.

Finding the Best Health Insurance Company

Once you know what kind of health insurance you want, you can start looking at specific policies. The fastest and easiest way to get and compare quotes from different insurance companies is to go to an insurance comparison website.

The best comparison sites even let you talk with insurance experts so you can ask questions and make sure you choose the best health insurance for your needs at the best price. (See link below).

You can also use websites to check out the insurance companies that send you quotes. At sites such as A.M. Best (ambest.com) and Standard and Poor’s (standardandpoors.com), you can check the financial rating of each company. In addition, you can check customer complaints for different companies at your state’s Department of Insurance website.

The cost of health care goes up every year, and so does the cost of health insurance. That’s why this is a crucial time to find the best health insurance policy you can.

Affordable Health Insurance – Find Your Affordable Health Insurance Company Today

A lot of families can’t afford to pay for a health insurance, to be able to support their loved ones, and help get the best insurance for their family to keep them all healthy. It is sad to hear from my opinion because a person like you and me would never would like to have a family that can’t afford to pay for health insurance.

Whether you are poor, rich, middle class you should always get the same health insurance as any one else, no person should be left out without a health insurance. To be able to connect people to insurance companies is the most important thing in anyone’s life, Everyone always try their best to find an affordable health insurance.

A bunch of “inexperienced” people struggle to find a health insurance company on a daily basis. Sometimes a families child is very sick in the middle of the night and the only way they can get them cure is if they pay $200 to take them to the emergency room to be checked on. I think that should not happen to anyone because if you are all able to find a health insurance company that will work and will help you get care.

Help is always on the way when someone needs help with finding a health insurance company that they can be afforded to be paid by the family, It’s not hard to find the right company for your family. You can have to ability to be able to actually “save” the money with a great and affordable health insurance company.