Illinois Health Insurance

Illinois Health Insurance Information

Family or Individual

(HMO, PPO, POS or Major Medical Coverage)

Individual or family health insurance can provide the important protection
needed in the event of illness and for regular preventive care. Using the
strength and experience of our health insurance markets, The O'Neal
Insurance Group can offer affordable HMO, PPO, POS, and Major Medical
Health Insurance policy coverages throughout Illinois, with a focus on the
Chicago area.

Health insurance plans that allow you the most choices in doctors and
hospitals also tend to cost more than plans that limit choices. Individual and
family health insurance plans that help to manage the care you receive, such
as PPO and POS plans, usually cost you less, but you must give up some
freedom of choice.

Learn more about HMO, PPO, and POS managed health care insurance
policies we offer throughout Illinois by clicking on a link below or click on the
link for information on Major Medical health insurance.

Click on the link below to fill out a secure quote request form for an Illinois
health insurance policy that provides excellent health insurance coverage and
services at an affordable cost. Or you can speak with our Illinois Health
Insurance agent specialist toll free at 877-808-2900 to discuss the features.

Click HERE to fill out a

Illinois Health Insurance

policy quote request form

We are a Chicago, IL insurance agency offering affordable Illinois health insurance policy
premiums 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 health
insurance services throughout the prairie state, including in Moline, Rockford, Peoria,
Springfield, Bloomington, Decatur, and Champaign.

HMO Health Insurance Policy Features - Illinois

HMO Health Insurance Policy Overview - Illinois

Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. You choose a primary care physician (PCP) from a list of
participating doctors from where you live in Illinois. That doctor is used for typical
circumstances such as annual exams and usual health issues. If you need to see
a specialist, be hospitalized, or have lab or X-ray work, your doctor will refer you to
a provider or facility within the HMO system. Your doctor must give authorization
for those services to be covered by your HMO. In other words, you must see HMO
approved physicians and use HMO approved facilities or pay the entire cost of the
visit yourself.

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.

You may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 - $30 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.

Click on the link below to fill out a secure quote request form for an Illinois HMO
health insurance policy that provides excellent health insurance coverage and
services at an affordable cost. Or you can speak with our Illinois Health Insurance
agent specialist toll free at 877-808-2900 to discuss the features.

Click HERE to fill out a

Illinois Health Insurance

policy quote request form

Learn more about the other types of Illinois Individual or Family Health Insurance
polices we offer by clicking on a link below!

* Preventive care emphasis

* Primary care physician (PCP) coordinates your total care

* Must get a referral from your PCP to visit a specialist

* Fixed monthly fee

PPO Health Insurance Policy Features - Illinois

* Convenient access to quality health care

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

* Pay for services as they are provided

PPO Health Insurance Policy Overview - Illinois

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

Click on the link below to fill out a secure quote request form for an Illinois family or
individual PPO health insurance policy that provides excellent health insurance
coverage and services at an affordable cost. Or you can speak with one of our
Illinois Health Insurance agent specialists toll free at 877-808-2900 to discuss the
features.

POS Health Insurance Policy Features - Illinois

* Preventive care emphasis

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

POS Health Insurance Policy Overview - Illinois

Less restrictive than an HMO or PPO, a (POS) or Point of Service plan lets you
see any licensed health care professional for anything covered by the insurance.
Care you receive from out-of-plan health care professionals is reimbursed, but
you must pay an often times much higher co-payment or deductible amount.
While you may choose to see a physician outside the network, if you don't receive
permission from your (PCP) primary care physician, you're likely to end up
submitting the bills yourself and receiving only a small reimbursement...if any.

Costs that exceed your deductible are covered by a co-insurance plan in which
you 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.

Click on the link below to fill out a secure quote request form for an Illinois family
or individual POS health insurance policy that provides excellent health insurance
coverage and services at an affordable cost. Or you can speak with our Illinois
Health Insurance agent specialist toll free at 877-808-2900 to discuss the
features.

Fee-for-Service or Major Medical Health Insurance Policy

(Family or Individual in Illinois)

Major medical health insurance provides benefits up to a high limit for most types
of medical expenses incurred, subject to a deductible. Once you meet the
deductible, our Illinois Major Medical Insurance plans 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 pay 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.

With Illinois Major Medical Insurance plans you can choose your doctor and any
hospital for your medical services. You or your doctor send the bill to the insurance
company, which pays part of it. Usually, you have a deductible such as $250 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.

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

Click on the link below to fill out a secure quote request form for an Illinois family or
individual Fee-for-Service / Major Medical health insurance policy that provides
excellent health insurance coverage and services at an affordable cost. Or you can
speak with one of our Illinois Health Insurance agent specialists toll free at 877-808-
2900 to discuss the features.

Learn more about the other types of Illinois Individual or Family Health Insurance
polices we offer by clicking on a link below!

Major Medical Insurance Policy

HMO Health Insurance Policy

PPO Health Insurance Policy

POS Health Insurance Policy

Managed Health Care Plans:

PPO

POS

Fee-for-Service Health Plan:

Major Medical

Learn more about the other types of Illinois Individual or Family Health Insurance
polices we offer by clicking on a link below!

Managed Health Care Plans:

HMO

POS

Fee-for-Service Health Plan:

Major Medical

Learn more about the other types of Illinois Individual or Family Health Insurance
polices we offer by clicking on a link below!

Managed Health Care Plans:

HMO

Fee-for-Service Health Plan:

Major Medical

PPO

Managed Health Care Plans:

HMO

POS

PPO

Click HERE to fill out a

Illinois Health Insurance

quote request form

Click HERE to fill out a

Illinois Health Insurance

quote request form

Click HERE to fill out a

Illinois Health Insurance

quote request form

**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.