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Best Health Insurance Agencies in Champaign

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Anna Schappaugh logo
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License Verified:

License: 18153467

Illinois Department of Insurance

Anna Schappaugh

2500 Galen Drive Suite 6, Champaign, IL 61821
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  • Life Insurance
  • Health Insurance
  • Home & Auto Insurance
  • Business Insurance

Business Description

Anna Schappaugh is an insurance agent who serves clients in Champaign and the neighboring areas. She helps process health insurance claims and offers various policies, including individual medical coverage, Medicare supplement insurance, and supplemental health insurance. She covers other personal insurance plans, such as life, home, auto, pet, and property insurance. Additionally, she assists clients with their annuities and banking needs. Schappaugh leads a team under State Farm. She is also a Chartered Life Underwriter.

License Verified:

License: 18153467

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (112)
Facebook
5.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Chris Booth logo
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License Verified:

License: 10086580

Illinois Department of Insurance

Chris Booth

1713 S State Street Suite 102, Champaign, IL 61820
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  • Health Insurance

Business Description

Chris Booth is a State Farm insurance agent who offers services to clients in the Champaign metro. He handles health insurance policies and provides different options, such as Medicare Supplement insurance, supplemental health insurance, and individual medical coverage. The other personal plans that he covers include life, property, home, auto, and pet insurance. Booth has been with State Farm since 2014. He leads a team through Chris Booth Insurance Agency, Inc. He is a Chartered Life Underwriter and a Chartered Property Casualty Underwriter.

License Verified:

License: 10086580

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (168)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Illini Insurance Agency Inc. logo
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License Verified:

License: 7947877

Illinois Department of Insurance

Illini Insurance Agency Inc.

1316 Bluegrass Lane, Champaign, IL 61822
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  • Health Insurance

Business Description

Illini Insurance Agency Inc. has been serving residential and commercial clients in Champaign and the neighboring communities since 2005. It offers individual, family, and group health insurance policies. It also assists clients aged 65 and above in obtaining Medicare Advantage, Medicare Supplement, and Medicare Part D plans. In addition, the agency provides auto, farm, life, business, and homeowners' insurance options. Owner and president Mark Walters has more than three decades of experience in the banking, investment, and insurance industries.

License Verified:

License: 7947877

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
InsureChampaign logo
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License Verified:

License: 100344667

Illinois Department of Insurance

InsureChampaign

1817 S Neil St, Suite 102, Champaign, IL 61820
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  • Group Health Benefits

Business Description

InsureChampaign provides businesses with a variety of employee benefit solutions, including group health insurance plans. It helps employers look after the well-being of their staff by offering them health protection policies that include disability, dental, and vision benefits. This independent agency also offers property, auto, and business insurance. It represents the top insurance carriers to give clients a variety of options. Its insurance agents deliver personalized service to each client by helping them compare coverages and find what is suitable for their needs.

License Verified:

License: 100344667

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Loman-Ray Insurance Group, LLC logo
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License Verified:

License: 100288013

Illinois Department of Insurance

Loman-Ray Insurance Group, LLC

1902 Fox Drive, Unit A, Champaign, IL 61820
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  • Life Insurance
  • Health Insurance

Business Description

Loman-Ray Insurance Group, LLC, offers a variety of protection policies in Champaign. It assists individuals and families in purchasing health insurance, as well as businesses in selecting employee benefits packages. Its agents help clients determine their needs in order to include coverages like dental, vision, and long-term care in their plans. They offer insurance products from carriers like Pekin and Metlife. President Brian Loman, who started his insurance career in 2000, focuses on life, and group health policies.

License Verified:

License: 100288013

Illinois Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (21)
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

How can you find affordable health insurance? 

Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

What is health insurance?

Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

How do health insurance companies make money?

Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

What is subsidized health insurance?

Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

What is a health insurance deductible? 

A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

Is it illegal to not have health insurance?

No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

Does health insurance cover therapy? 

All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.

What is a copay?

A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.

How can you find health insurance without a job?

Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period. 

Can you cancel health insurance at any time? 

Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.

Can you have more than one health insurance policy?

It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.

Is health insurance pretax?

Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.

How long can a child stay on a parent\'s health insurance policy?

Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

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