Why work with The Health Insurance Shoppe?

So...are you in the market for health insurance coverage?  If so, you have come to the right place.

At The Health Insurance Shoppe we solely market health insurance plans, whether it be individual, family, small group or Medicare.  Instead of working with each health insurance carrier separately, you can contact the shoppe and search products between 6 major Illinois health insurance carriers, all with one point of contact.

Best of all, out service is free!


Individual and Family Coverage


When searching for a private individual or family plan of coverage, each carrier is not for everyone.  Some carriers have 12 month waiting periods for pre-exisitng medical conditions, while some carriers will cover current treatment (medications) and in return, increase your quoted premium to cover risk.  All carriers but one have the ability to exclude coverage on specific medical conditions.  If one carrier is going to place a exclusion of coverage..chances are you can go to another carrier who will not exclude, but will either increase premiums to cover risk or apply a separate condition specific deductible.  For those that receive current treatment, you will not find this information online, nor will the carrier tell you until you submit application with the first months premium.  With over 15 years of experience in the Illinois market, The Health Insurance Shoppe can take the guess work away and place in the most appropriate plan.


Small Group


Are you a small business employer interested in finding out the costs for group health insurance coverage?  Well, the facts are pretty simple...

• employer is required to pay at least 50% of the employee only coverage rate
• minimum of 2 eligible employees for enrollment with at least 75% eligible employee participation
• 50% employer cost share is a tax deductible to business
• if total # of employees is 25 or lower the employer is eligible to receive up to a 35% dollar-for-dollar tax credit on their share of the premium when average annual salaries are between $25,000-$50,000/year.

At the shoppe, you receive quotes from 4 top Illinois carriers and a breakdown of your options.  If the costs are not attainable, we will then ask the question of "what can be affordable?", and then illustrate a way to provide a employee health benefits package that does not involve a plan of health insurance, rather a means to cover employees medical expenses or individual plan premiums...up to a define amount per employee, per year.

Medicare

Have you ever listened to a radio ad or seen a TV commercial for Medicare products that asks for a beneficiary to stop on by?  The answer is NO, as all ads and marketing have the beneficiary call or click to learn more information, and are then bombarded with a bunch of reading material that most of the time does not make sense to the beneficiary.   When you see advertisement for a FREE medicare plan, it is best to make sure you know all the restrictions to the plan you are going to apply for.

Medicare can be quite easy to understand if explained right, and at the shoppe, you can walk-in a sit down face-to-face with a professional to have your questions answered and then enroll in a plan that best meets your needs.  

The bottom line is that there is nothing to lose in contacting the shoppe to be of service.

For more information on plans of coverage please call or complete our inquiry form on the website.

Cheers!

-The Shoppe