
		HEALTH INSURANCE We offer many products designed for group health plans of all sizes. All of our plans are insured or reinsured by the nation's top insurance companies rated (A) or (A+) by A.M. Best. In the event of a claim, we always do our utmost to get our clients up and running as smoothly and as quickly as possible.					Lines We Represent Blue Cross-Blue Shield of Illinois Aetna Assurant Health IMG In the event of a claim, we always do our utmost to get our clients up and running as smoothly and as quickly as possible.
Our Health Insurance Products:
Indemnity - Participants may see any doctor without restrictions. PPO - A higher level of benefits for seeking certain medical providers. EPO - The highest level of benefits for use of an exclusive physician panel. Custom - We will custom design parts of all these programs to fit your group.				Support for several different funding alternatives: Fully Insured Plans: The sponsor pays monthly fixed premiums to an insurer. Partially Self Insured: The sponsor shares limited risk with a reinsurer. Self Insured: The sponsor accepts the majority of the risk. Note: The partially self insured and self insured programs allow the sponsor to significantly lower premiums while accepting limited risk. Over 64% of employers with over 25 employees have this type of plan. We handle all of the services that are required in offering these plans. This includes underwriting, administration, medical review, PPO's, prescription drug services and insurance or reinsurance. We invite you to explore these companies within this web site or get in depth information and a comparative proposal for your group.