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2024

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Best Health Insurance Agencies in Champaign, IL

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Champaign Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

1493Reviewed

897Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1713 S State Street Suite 102, Champaign, IL 61820
WebsiteLicense: 10086580

Expertise.com Rating

Review Sources

Google
5.0 (188)
Facebook
4.8 (24)

Why choose this provider?

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.

  • Health Insurance

1902 Fox Drive, Unit A, Champaign, IL 61820
WebsiteLicense: 100288013

Expertise.com Rating

Review Sources

Facebook
5.0 (22)
Google
5.0 (8)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

1817 S Neil St, Suite 102, Champaign, IL 61820
WebsiteLicense: 100344667

Expertise.com Rating

Review Sources

Google
4.3 (6)

Why choose this provider?

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.

  • Group Health Benefits

1316 Bluegrass Lane, Champaign, IL 61822
WebsiteLicense: 7947877

Expertise.com Rating

Review Sources

Google
5.0 (4)
Facebook
5.0 (2)

Why choose this provider?

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.

  • Health Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Chris Booth
1713 S State Street Suite 102, Champaign, IL 61820
Loman-Ray Insurance Group, LLC
1902 Fox Drive, Unit A, Champaign, IL 61820
InsureChampaign
1817 S Neil St, Suite 102, Champaign, IL 61820
Illini Insurance Agency Inc.
1316 Bluegrass Lane, Champaign, IL 61822

FAQs

  • 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 short-term health insurance be beneficial for someone in Champaign?

    In general, short-term health insurance can be beneficial for healthy persons in Champaign. It can provide coverage for immediate needs, which may include costs for specific medications, emergency room visits, and doctor's fees. Most of the time, it does not cover pre-existing conditions. Therefore, this type of insurance might not be adequate for persons who require health services regularly or have maintenance prescriptions.

  • What do out-of-pocket expenses mean on a health insurance policy in Champaign?

    Out-of-pocket expenses indicated on a health insurance policy refer to costs that policyholders in Champaign must shoulder themselves. These include co-insurance expenses, deductibles, prescription costs, non-reimbursable medical bills, and co-payments. In most cases, there is a limit to the out-of-pocket expenses for each insurance plan.

  • Does standard health insurance in Champaign cover costs incurred during international travel?

    Standard health insurance can generally cover medical costs incurred outside the country. It depends on the insurance plan in Champaign. An HMO plan can provide coverage to medical providers within the insurance's network. However, this may be limited when traveling internationally. A PPO plan may allow policyholders to seek services from medical providers out of the insurance's network. In most cases, out-of-network coverage usually means the insurance company will not pay the full amount of the expenses. Insurers may require policyholders to pay the bill first and have it reimbursed later or pay a percentage of up to 40%.

  • Which state program can provide assistance if you have expensive private health insurance and a high-risk medical condition in Champaign?

    The IL DHS Health Insurance Premium Payment Program may be able to assist individuals suffering from high-risk medical conditions and carry expensive private health insurance. To apply, these individuals are encouraged to visit the local Family Community Resource Center at 206 W Anthony Dr. Champaign, IL 61822-1218. The FCRC's contact number is (217) 278-5605, and the Nextalk number is (866) 847-6169.

  • Is everyone in Champaign and throughout the state required to have health insurance?

    No, health insurance is no longer required in Champaign and throughout the state since 2017. This is because state laws follow the Affordable Care Act, which no longer requires citizens to have minimum insurance coverage. In Illinois, one can get access to affordable health insurance policies from the federal-government-operated health insurance exchange. Some policy options include standard plans or short-term policies from private insurers.

  • 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.