Illinois group health insurance coverage applies to groups with at least two full-time members with a single contract covering the entire group. These groups may be businesses or a professional association or labor union.

Illinois group health insurance providers offer benefits to small businesses other than health care. The employer contributions to group health insurance are almost always tax deductible and the financial risk is distributed among all of its members. The premiums for a group health plan are therefore much lower and have greater coverage than an individual health plan.

There are three key points to consider when evaluating group health insurance providers in Illinois:

1. Illinois group insurance companies usually require their policy holders to seek medical treatment from health care professionals that are within a designated provider network. You will want to check the provider network in your area.

2. A deductible amount must be paid by the employee before health care costs will be covered by an Illinois group insurance company.

3. An Illinois group health insurance provider usually pays up to a maximum amount, known as the benefit cap.

Action Steps
The best contacts and resources to help you get it done

Contact specific Illinois group health insurance agents

A broker represents a group of insurance companies and can be easier and friendlier to work with.

I recommend: InsureIL/PYFinancial can locate group health insurance providers in Illinois that can best meet your needs. This company been in business since 1992 and represents some of the largest health insurance companies that provide services in Illinois.

Contact companies that specialize in group health insurance in Illinois based on your location

Employees will want to join a group health plan if you have this option because the employer will pay for a portion of the group health plan. Illinois group insurance companies have a much lower requirement on the overall health of its policy holders than individual health insurance does.

I recommend: Go to Medplan Access for a free quote on group health insurance in Illinois or Indiana. These quotes will be based on your zip code and type of health insurance you need.

Solicit a customized quote from Illinois group health insurance providers

To avoid any costly surprises, supply the most complete information you can about your business and its employees when seeking a quote from a specific agency for group health insurance in Washington, DC.

I recommend: Go to HealthInsure.com and complete the application form. It is partnered with several major health insurance agents and specialize in providing health insurance to small business owners in Illinois and Indiana.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Offer a consumer-driven group health insurance plan for employees who wish to be more engaged in their health care. This type of Illinois group health insurance coverage usually offsets a low-cost, high-deductible plan with Health Reimbursement Accounts and Health Savings Accounts that allow a member to manage expenditures much more closely than with a traditional health care plan.