How to choose your Medical Insurance on this site.

When you put in your date of birth and push submit button you are going to get around 300 quotes with all our companies. Please be patient for about a minute you'll see it all. The plans you are going to see are shown in a descending order of prices. You'll be able to review details of any plan, compare up to four plans at a time, receive this information over e-mail or print it right away. You can read the official brochures that are attached to each plan, choose the plan that you like and make an application. You can either apply on line, if the carrier has a direct link or print an application, sign, attach a check and mail it to our office. If you have any questions please call us.

If you need insurance right away please consider Short Term Medical coverage for a couple of months because it'll be effective the very next day after you applied. The best way to do this is to find Short Term logo under the tab Companies and click on it.

I hope that you took my advice (in article Applying for Health Insurance ý published under the News tab) and chose to go with Comprehensive Major Medical coverage. We are proud to represent the best, most reputable and financially stable companies in Illinois and Wisconsin. We are confident that you will be able to choose a great coverage for yourself and your family that fits your needs and your budget. We'll be happy to help you every step of the way now when you are selecting your plan, later when you are going to use it and we'll be here for you when you need to make changes or have questions.

This is how it works in a nut shell:

If you share more of a medical bill with insurance company you'll be paying less monthly.

Deductible is the portion of the medical expense that you are fully responsible. It comes 100% from your pocket.

Co-insurance is the split that you agreed to share with Insurance Company the balance of the medical bill up to a pre set amount known as Maximum Out Of Pocket.

For example: Your plan has $1,000 Deductible and 80/20 co-insurance up to $5,000.

It means that if youýve got a bill for $10,000 ý the first $1,000 ý the amount of your deductible you are going to pay yourself. Next $5,000 you are going to share with a company ý you pay 20% or $1,000 of the bill and company pays 80% or $4,000. The balance of the bill - $4,000 as well as any extra medical expenses incurred that calendar year an insurance company will take care of 100%.

Therefore if you select higher deductible and higher co-insurance limits you can expect to pay less monthly. For example a married couple in their fifties have a choice to pay $720 a month for a plan with deductible $500 or $450 a month for the same plan with deductible $2,500. The difference in premium here amounts to $3,240 a year that you can save if you are not using medical services. It is your choice if you want to pre-pay for medical services whether you use them or not or you'd like to pay as you go. I'd personally suggest to pay less.

For people who prefer to pay less and selected higher deductibles the Congress came up with additional discount this time in form of tax-deduction. You can set aside amount of your deductible in a special Health Saving Account (HSA) and take it from your income. Most medical expenses are eligible to be made off such account. Here is a link for more information www.irs.gov/publications/p969/index.html.

For an instant online health insurance quote for you or your family, please fill out our online form.