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Best Health Insurance Agencies in Evanston

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Bo Dempsey logo
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License Verified:

License: 16999232

Illinois Department of Insurance

Bo Dempsey

890 Green Bay Road, Winnetka, IL 60093
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  • Individual Plans
  • Life Insurance

Business Description

Bo Dempsey is a third-generation State Farm insurance agent serving Evanston and surrounding communities. He offers health insurance coverage options for families, individuals, and senior citizens. A wide range of plans is available for supplemental health, Medicare supplement, and individual medical coverage. Disability insurance is also available for short and long-term needs. Aside from assistance in banking, Dempsey also specializes in auto, life, and homeowners' insurance. Moreover, he is a member of the Winnetka-Northfield Chamber of Commerce.

License Verified:

License: 16999232

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 (18)

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
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Detail
First Choice Insurance Agency logo
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License Verified:

License: 100312984

Illinois Department of Insurance

First Choice Insurance Agency

1301 W. 22nd Street, Oak Brook, IL 60523
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  • Life Insurance

Business Description

First Choice Insurance Agency caters to the insurance needs of residents and local businesses in the Evanston area and neighboring communities. It helps clients gain access to plans from various insurance companies. It carries health plans like home health care; dental, vision, & hearing plans; prescription drugs; long-term care; and Medicare supplements plans. Moreover, it provides new generation retirement plans and life insurance packages. Michael J. Perna, who has helped Illinois residents for more than 30 years, is the agency owner and president.

License Verified:

License: 100312984

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 (35)
Facebook
5.0 / 5 (13)

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
Handelman Insurance Advisors, Inc. logo
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License Verified:

License: 100284553

Illinois Department of Insurance

Handelman Insurance Advisors, Inc.

3949 Lyons Street, Evanston, IL 60203
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  • Life Insurance

Business Description

Handelman Insurance Advisors, Inc., caters to the health insurance needs of clients in Evanston and the surrounding areas. The company caters to individuals, families, and businesses, representing multiple insurance carriers to provide clients with numerous options. It connects clients with a wide range of health insurance carriers, such as Aetna, Humana, UnitedHealthcare, and the BlueCross BlueShield of Illinois. Handelman Insurance Advisors also provides options for life and disability insurance, in addition to dental and vision plans.

License Verified:

License: 100284553

Illinois Department of Insurance

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
Health and Medicare Enrollment Marketplace logo
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License Verified:

License: 15120146

Illinois Department of Insurance

Health and Medicare Enrollment Marketplace

Chicago, IL 60631
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  • Individual Plans

Business Description

Health and Medicare Enrollment Marketplace is an independent insurance brokerage that serves clients in the Evanston metro. The firm specializes in online client assistance and crafting tailored health and life coverage plans for individuals and groups. Some of its health insurance plans include Medicaid, private health insurance, and ACA Marketplace Insurance (Obamacare). Health and Medicare Enrollment Marketplace also offers assistance in applying for and procuring Medicare plans, Medicare Advantage coverage, Medigap, and other Medicare sub-programs.

License Verified:

License: 15120146

Illinois Department of Insurance

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
Insurance Brokers, Inc. logo
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License Verified:

License: 100298907

Illinois Department of Insurance

Insurance Brokers, Inc.

7547 North Rogers Avenue, Chicago, IL 60626
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  • Life Insurance

Business Description

Insurance Brokers, Inc., is a health insurance agency near Evanston. Its team of insurance professionals helps clients find providers and coverages for personal insurance lines, such as health insurance and life insurance. They also offer insurance policies covering auto, homes, properties, businesses, and retirement plans. Insurance Brokers has over 27 years of experience assisting clients in determining coverages and premiums that suit their specific needs and priorities. Some of its partner carriers are The Hartford, MetLife, and Travelers.

License Verified:

License: 100298907

Illinois Department of Insurance

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Professional Insurance Producers logo
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License Verified:

License: 100296809

Illinois Department of Insurance

Professional Insurance Producers

1420 Renaissance Drive, Park Ridge, IL 60068
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  • Individual Plans
  • Group Plans

Business Description

Professional Insurance Producers is a company based in Park Ridge that also serves Evanston. The agency offers different insurance products, like health insurance, short-term medical insurance, group and individual insurance, and Medicare supplement plans. It also provides long-term care insurance, disability policies, and annuities. Some of its carriers are Blue Cross and Blue Shield Illinois, MetLife, United Health Care, and Unum Provident. The team at Professional Insurance Producers also deals with life insurance products and services.

License Verified:

License: 100296809

Illinois Department of Insurance

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
Robert Reece Insurance And Financial Services logo
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License Verified:

License: 8335737

Illinois Department of Insurance

Robert Reece Insurance And Financial Services

1603 Orrington Avenue, Evanston, IL 60201
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  • Individual Plans

Business Description

Robert Reece Insurance And Financial Services is a local independent agency servicing the Evanston community. It offers different kinds of health insurance plans such as fee-for-service and managed care, covering prescription drugs, dental, medical, surgical, and hospital costs. Long-term care and disability policies are also available. Moreover, its team of professionals also provides life, automobile, business, and homeowners' insurance. Robert Reece Insurance And Financial Services partners with numerous insurance carriers, including MetLife, Travelers, and The Hanover Insurance Group.

License Verified:

License: 8335737

Illinois Department of Insurance

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.

Read all FAQs