Illinois Group Health Insurance Chicago Area

Illinois Group Health Insurance Information

The O'Neal Insurance Group has created a strong relationship with many of
the finest insurance carriers serving Illinois, the Chicago area, yet while
maintaining our primary focus of serving the employer's needs.

Most small businesses offering their employees Group Health insurance
plans contribute towards the cost of the coverage. Some pay for all of the
employees' premiums (for single coverage) and have the employees pay the
premium if they need coverage for their families. Other Illinois small
businesses pay a percentage of the total health insurance premium cost.

As the cost of health care continues to increase at a rate much faster than
inflation, many large employers and small businesses in Illinois choose to have
their employees make a contribution towards the cost of health insurance
coverage.

Also, self funding the Prescription Drug portion of the Group Health Plan can
potentially result in substantial health insurance cost savings. Contact us for
information and to setup a self funded prescription drug planfor your Illinois
business.

Managed Care vs. Fee-for Service

The health insurance plan that works best for your Illinois business is
determined primarily by your location, the physicians and hospitals available
through the health insurance plan, options offered by each insurance plan,
and what your budget can accept.

Learn more about the types of Illinois Group
Health Insurance Plans we can offer your
business by clicking on a link below!

Employee benefits are an important factor to any Illinois business in hiring
and retaining a good work force. We can provide assistance to your benefit
administrator in answering employees questions and requests pertaining to
health insurance for groups of 20 or more. Every Illinois business needs to
review their employee benefit health insurance plan to ensure that this major
expense continues to offer the highest quality group health insurance.

Click on the link below to fill out a secure quote request form for an Illinois
group health insurance plan that regardless of whether you're a large
employer or a small business, will provide comprehensive health insurance
coverage for your businesses most important asset...your employees. Or
you can speak with our Illinois Group Health Insurance specialist toll free at
877-808-2900 to discuss the policy features in more detail.

Click here to fill out an

Illinois Group Health Insurance

quote request form

We are a Chicago, IL insurance agency offering comprehensive Illinois group
health insurance to employers in the following cities and counties: Oak Lawn,
Englewood, Calumet Park, Roseland, Landsing, Dolton, Calumet City, South
Holland, Riverdale, Glenwood, Chicago Heights, South Shore, Burnham, Oak
Forest, Bedford Park, Hazel Crest, Alsip, Palos Hills, South Chicago Heights,
Orland Park, St. Charles, Geneva, Batavia, Lafox, Orland Hills, Elburn,
Mooseheart, De Kalb, Virgil, Maple Park, Burlington, Kaneville, Cortland,
Sycamore, Hampshire, Big Rock, Hinckley, Wasco, Lily Lake, Valley View,
South Elgin, Wayne, Aurora, Naperville, Montgomery, Warrenville, Moecherville,
Winfield, Wheaton, Carol Stream, Bartlett, Streamwood, Glen Ellyn, Lisle,
Glendale Heights, Hanover Park, Elgin, Ontarioville, Keeneyville, Bloomingdale,
Medinah, Roselle, Schaumberg, Hoffman Estates, Carpentersville, Udina,
Huntley, Gilberts, West Dundee, Barrington, Cary, Palatine, Lake Zurich,
Libertyville, Wauconda, Inverness, Elk Grove Village, Itasca, Addison, Lombard,
West Chicago, Villa Park, Elmhurst, Oak Brook, Highland Hills, Downers
Grove, Woodridge, Bolingbrook, Darien, Oswego, Yorkville, Sugar Grove, Joliet,
Romeoville, Algonquin, Buffalo Grove, Arlington Heights, Roling Meadows,
Mount Prospect, Des Plaines, Bensenville, Homer Glen, La Grange,
Northbrook, Skokie, Evanston, Cicero, Berwyn, Burbank, East Chicago,
Waukegan, Mundelein, Deerfield, North Chicago, Newark, Sheridan, Morris,
Ottawa, Sandwich, Serena, Waterman, Rochelle, Marengo, Dupage County,
Kendall County, Will County, Lake County, Kane County, and Cook County, IL.
We also offer Illinois group health insurance plans throughout the prairie state,
including in Moline, Rockford, Peoria, Springfield, Bloomington, Decatur, and
Champaign, IL.

PPO Plan Features (Illinois Group Health Insurance)

* Convenient access to quality medical care for employees

* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.

PPO Insurance Plan (Illinois Group Health Insurance)

A PPO group health insurance plan is recommended for an Illinois business
desiring to offer their employees convenient access to quality medical care with
effective medical management, a large and diverse network of primary care
physicians, medical specialists, hospitals and clinics.

An employee can see any health care professional in the network any time they
choose to make an appointment. They don't need referrals for specialists or other
services as required in an HMO. An employee can see doctors or specialists
outside your PPO network, however, your employees portion of the costs will be
higher.

An employee may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental health and
chemical dependency services, may carry additional costs in an Illinois PPO
health insurance plan.

Click on the link below to fill out a secure quote request form for an Illinois group
PPO health insurance plan that regardless of whether you're a large employer or
a small business, will provide comprehensive health insurance coverage for your
businesses most important asset...your employees. Or you can speak with our
Illinois Group Health Insurance specialist toll free at 877-808-2900 to discuss the
policy features.

Click here to fill out an

Illinois Group Health Insurance

quote request form

Learn more about the other types of Illinois Group Health Insurance we can offer
your Chicago, IL area small business by clicking on a link below!

Fee-for-Service (Illinois Group Health Insurance)

Fee-for-Service or major medical group health insurance provides benefits up to a
high limit for most types of medical expenses incurred, subject to a deductible.
Once the deductible is met, this type of group health insurance plan will pay a
percentage of what is considered the "Usual and Customary" charge for covered
services. The insurance company generally pays 80% of the Usual and
Customary costs and you're responsible for paying the other 20%, which is known
as co insurance. If the insurance company charges more than the Usual and
Customary rates, you will need to pay both the co-insurance and the difference.

Illinois Fee-for-Service group health insurance allows your employee to choose
their doctor and any hospital for their medical services. Usually, an employee will
have a deductible such as $500 or more to pay each year before the insurer starts
paying. The plan will pay for charges such as medical tests and prescriptions as
well as from doctors and hospitals.

Fee-for-Service health insurance coverages for employer sponsored employee
benefits in Illinois typically offer the following:

* Employers and employees share premiums

* Employees have the freedom to choose any provider

* Insurance company pays the allowable claim

Fee-for-Service plans also offer some Managed Care type of insurance
options that can assist your Illinois business in reducing employee benefit
costs.

* Case Management

* Second Surgical Opinion

* Pre-admission Certification

* Special Benefit Networks

Illinois Fee-for-Service group health insurance coverages offer more choice of
doctors (including specialists, such as cardiologists and surgeons), hospitals,
and other health care providers than managed care health plans, such as HMO,
PPO, and POS. Fee-for-Service employee health insurance may not pay for
some preventive care, such as check-ups, and is usually a more expensive
health insurance coverage than utilizing an HMO, PPO, or POS plan in Illinois.

Click on the link below to fill out a secure quote request form for an Illinois Fee-
for-Service (Major Medical) group health insurance plan that regardless of
whether you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most important
asset...your employees. Or you can speak with our Illinois Group Health
Insurance specialist toll free at 877-808-2900 to discuss the policy features.

Click here to fill out an

Illinois Group Health Insurance

quote request form

Managed Care:

Fee-for-Service:

HMO

PPO

Major Medical

POS

Fee-for-Service:

Managed Care:

HMO

POS

Major Medical

HMO Insurance Plan (Illinois Group Health Insurance)

An HMO group health insurance plan helps your Illinois business control health
care costs through a closely managed plan with an emphasis on preventive care.
Each employee selects a Primary Care Physician from a network of providers.
The Primary Care Physician can coordinate the total care of the employee to help
ensure appropriate care is received. An employee may also seek care from any
provider in the network without a Primary Care Physician referral, subject to a
higher out-of-pocket expense.

Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. An employee chooses a primary care physician from a list
of participating doctors. That doctor is used for typical circumstances such as
annual exams and usual health issues. If the employee needs to see a specialist,
be hospitalized, or have lab or X ray work, their doctor will refer them to a
provider or facility within the HMO system. Your employees doctor must give
authorization for those services to be covered by your HMO. In other words, an
employee must see HMO approved physicians and use HMO approved facilities
or pay the entire cost of the visit themselves.

HMO Plan Features (Illinois Group Health Insurance)

* Preventive care emphasis

* Primary care physician coordinates the total care of the employee

Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements
for lower fees with a network of health care providers and give their policyholders
a financial incentive to stay within that network.

An employee may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental health
and chemical dependency services, may carry additional costs in an Illinois
HMO health maintenance plan.

Learn more about the other types of Illinois Group Health Insurance we can offer
your small business by clicking on a link below!

Managed Care:

POS

Fee-for-Service:

Major Medical

PPO

Click here to fill out an

Illinois Group Health Insurance

quote request form

POS Plan Features (Illinois Group Health Insurance)

* Preventive care emphasis

* Pays benefits for out-of-network care, but at a lower level

POS Insurance Plan (Illinois Group Health Insurance)

A POS or Point-of-Service group health insurance plan allows your Chicago, Illinois
employees the option of accessing any medical provider without a primary care
physician referral and receive the highest benefit level. Similar to an HMO, a POS
stresses preventive care and offers closely managed benefits. A POS health
insurance plan also pays benefits for out-of-network care, but at a lower level than
for in-network care.

Costs that exceed the deductible are covered by a co-insurance plan in which your
employee and the insurance company share the cost for services covered by the
policy. Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in an Illinois POS health insurance
plan.

Learn more about other types of Illinois Group Health Insurance we can offer your
small business by clicking on a link below!

Fee-for-Service:

Managed Care:

HMO

Major Medical

PPO

Click on the link below to fill out a secure quote request form for an Illinois group
HMO health insurance plan that regardless of whether you're a large employer or
a small business, will provide comprehensive health insurance coverage for your
businesses most important asset...your employees. Or you can speak with our
Illinois Group Health Insurance specialist toll free at 877-808-2900 to discuss the
policy features in more detail.

Click on the link below to fill out a secure quote request form for an Illinois group
POS health insurance plan that regardless of whether you're a large employer or a
small business, will provide comprehensive health insurance coverage for your
businesses most important asset...your employees. Or you can speak with our
Illinois Group Health Insurance specialist toll free at 877-808-2900 to discuss the
features in more detail.

Click here to fill out an

Illinois Group Health Insurance

quote request form

Managed Care:

HMO

POS

PPO

Learn more about other types of Illinois Group Health Insurance we can offer
your small business by clicking on a link below!

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.