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Best Health Insurance Agencies in Palatine

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CFM Insurance logo
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License Verified:

License: 100292105

Illinois Department of Insurance

CFM Insurance

50 Brockway Street, Palatine, IL 60067
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  • Individual Plans
  • Life Insurance

Business Description

CFM Insurance, Inc., is a multi-line insurance services specialist catering to the needs of individuals, families, and businesses in Palatine. The company delivers a variety of domestic and international health insurance policies from multiple providers, such as Blue Cross, United Health Care, Cigna, IMG, and GeoBlue. Its insurance agents also provide life insurance plans, specifically term life and permanent life programs. CFM Insurance was founded by Chicago insurance pioneers Clarke F. Maire and Herbert K. Meyer in 1929.

License Verified:

License: 100292105

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
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Detail
Cliff Babbey logo
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License Verified:

License: 2167636

Illinois Department of Insurance

Cliff Babbey

452 North Lake Street, Mundelein, IL 60060
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  • Life Insurance

Business Description

Cliff Babbey is a State Farm insurance agent who has been serving clients in Palatine and nearby areas for more than four decades. He offers health insurance plans with policies ranging from Medicare Supplement to individual medical plans. Policies for life insurance include universal, term, and whole life coverages. He also provides insurance plans for homes, automobiles, businesses, and pets. Banking services are also available. Cliff is a Life, Auto, and Fire Honor Agent. He is also a Bronze Tablet and Legion of Honor Agent.

License Verified:

License: 2167636

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 (6)

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
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Muir Insurance Group logo
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License Verified:

License: 100288636

Illinois Department of Insurance

Muir Insurance Group

216 E, IL-22, Lake Zurich, IL 60047
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  • Health Insurance

Business Description

Muir Insurance Group serves personal and commercial clients in Palatine. It offers health insurance for individuals and families. The agency provides personalized policies through its access to multiple companies and a wide variety of risk management products for families, homeowners, renters, and businesses. In addition, it has coverage options to protect automobiles, boats, motorcycles, recreational vehicles, and ATVs. Muir Insurance Group was founded in 1994 by Pat Muir and is currently headed by Michael Muir, its agency principal.

License Verified:

License: 100288636

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 (94)
Facebook
3.7 / 5 (3)

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
––
Pitcher Insurance Agency, Inc. logo
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License Verified:

License: 100297105

Illinois Department of Insurance

Pitcher Insurance Agency, Inc.

800 East Northwest Highway, Suite 325, Palatine, IL 60074
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  • Health Insurance
  • Group Health Benefits

Business Description

Pitcher Insurance Agency, Inc., has been serving policy owners in Palatine since 1988. The business provides a wide range of insurance products, including group health, workers' compensation, commercial umbrella, international business, general liability, and professional services insurance. As an independent insurance agency, it collaborates with several carefully sought-out carriers, including UnitedHealthcare, AccidentFund Insurance Company of America, BlueCross BlueShield, and The Hartford. Pitcher Insurance Agency's president, Ron Pitcher, is a business insurance specialist who has 32 years of industry experience.

License Verified:

License: 100297105

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 (4)
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Ryan P. Conway Agency, LLC logo
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License Verified:

License: 100326262

Illinois Department of Insurance

Ryan P. Conway Agency, LLC

3319 West Elm Street, McHenry, IL 60050
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  • Individual Plans

Business Description

Ryan P. Conway Agency, LLC, is an insurance agency that serves clients in Palatine. It specializes in providing health insurance coverage options for clients and is well-versed in the implications of the Affordable Care Act (ACA) for the U.S. health insurance industry. To offer a wide range of insurance coverage options for clients, it has formed partnerships with several insurance carriers that include Grange Insurance, Hagerty Insurance, and Metlife. It is also a member of the Independent Insurance Agents of Illinois.

License Verified:

License: 100326262

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 (58)

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
––
Sasha Ivanov logo
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License Verified:

License: 15714258

Illinois Department of Insurance

Sasha Ivanov

153 W Northwest Highway, Palatine, IL 60067
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  • Medicare Supplements

Business Description

Sasha Ivanov is an insurance agent of State Farm who offers a wide variety of insurance solutions to clients in Palatine. Ivanov and her team of insurance agents share more than 47 years of combined insurance experience, and one of the products they offer is health insurance. She educates clients on healthcare options that provide coverage for medical, surgical, and hospital expenses. Other products and services include life, home, and auto insurance. The firm also offers its services in Bulgarian, Spanish, and Macedonian.

License Verified:

License: 15714258

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 (202)
Facebook
5.0 / 5 (43)
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
SunGolde Insurance Agency logo
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License Verified:

License: 100769515

Illinois Department of Insurance

SunGolde Insurance Agency

119 East Palatine Road, Palatine, IL 60067
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  • Life Insurance
  • Health Insurance
  • Business Insurance

Business Description

SunGolde Insurance Agency is a business that provides health insurance plans to clients in Palatine. It offers individual and group health insurance, such as United Health Care, Medi-Share, Fundamental Care, Blue Cross Blue Shield, and level-funded plans. SunGolde Insurance Agency has been helping a wide range of businesses and individuals with their insurance needs for over four years. Gianni Zavacos, the company's risk advisor and agency principal, has been in the insurance industry for more than 18 years.

License Verified:

License: 100769515

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 (18)
Google
5.0 / 5 (11)

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
Back to Providers

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