Guest guest Posted January 5, 2012 Report Share Posted January 5, 2012 Hello everyone, We are owners of a small business and as you can imagine especially with a child with special needs - our insurance premiums are HUGE - more than our house payment. We are looking in to switching our insurance...we currently have BCBS PPO which has been good. Our son also has the secondary All Kids through his support waiver. Wanted to see anyone had suggestions or experiences - here are some options... Aetna Blue Cross and Blue Shield of Illinois Celtic Ins. Co. Group Health Plan Humana IHC Group My Health Alliance Personal Care Insurance of Illinois UnitedHealthcare Thanks so much! Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 5, 2012 Report Share Posted January 5, 2012 You might try Zander Insurance http://www.zanderins.com/ ________________________________ From: <jenniferprice22@...> IPADDUnite Sent: Thursday, January 5, 2012 12:27 PM Subject: New Insurance  Hello everyone, We are owners of a small business and as you can imagine especially with a child with special needs - our insurance premiums are HUGE - more than our house payment. We are looking in to switching our insurance...we currently have BCBS PPO which has been good. Our son also has the secondary All Kids through his support waiver. Wanted to see anyone had suggestions or experiences - here are some options... Aetna Blue Cross and Blue Shield of Illinois Celtic Ins. Co. Group Health Plan Humana IHC Group My Health Alliance Personal Care Insurance of Illinois UnitedHealthcare Thanks so much! Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 5, 2012 Report Share Posted January 5, 2012 You might try our broker, Tom Reif.  He does well by us as a small non-profit org. Tom ReifHallberg Commercial & Group Health            (630) 242-3260       office            (630) 574-2036       Fax            (630) 632-9628       Cell www.hallbergcommercial.com andra Conroy Baig Executive Director and Community Leader L'Arche Chicago Office: 2010 W. Carroll Avenue, Chicago, IL 60612                    Office:312-226-1273 Home: 773-287-8249  " The secret to l'Arche is relationship: meeting people...heart to heart " . Vanier Visit us on the 2nd Thursday of each month at 1049 S. Austin Blvd., Chicago From: <jenniferprice22@...> Subject: New Insurance IPADDUnite Date: Thursday, January 5, 2012, 12:27 PM  Hello everyone, We are owners of a small business and as you can imagine especially with a child with special needs - our insurance premiums are HUGE - more than our house payment. We are looking in to switching our insurance...we currently have BCBS PPO which has been good. Our son also has the secondary All Kids through his support waiver. Wanted to see anyone had suggestions or experiences - here are some options... Aetna Blue Cross and Blue Shield of Illinois Celtic Ins. Co. Group Health Plan Humana IHC Group My Health Alliance Personal Care Insurance of Illinois UnitedHealthcare Thanks so much! Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 6, 2012 Report Share Posted January 6, 2012 My family, including my adult son with disabilities, switched to a group plan United Healthcare Choice PPO from BSBS PPO. It is cheaper but fewer doctors and hospitals (i.e., Aurora's Rush Copley)accept it(the payment to them is significantly lower than BCBS). United Healthcare website will list doctors and hospitals in the area who accept it. Do not let your current coverage lapse while you shop around. It is important to maintain continuous coverage. Some national organizations (ie, AARP) offer group coverage for members. > > Hello everyone, > We are owners of a small business and as you can imagine especially with a child with special needs - our insurance premiums are HUGE - more than our house payment. > We are looking in to switching our insurance...we currently have BCBS PPO which has been good. Our son also has the secondary All Kids through his support waiver. > > Wanted to see anyone had suggestions or experiences - here are some options... > > Aetna > Blue Cross and Blue Shield of Illinois > Celtic Ins. Co. > Group Health Plan > Humana > IHC Group > My Health Alliance > Personal Care Insurance of Illinois > UnitedHealthcare > > Thanks so much! > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 7, 2012 Report Share Posted January 7, 2012 We own a small business and have a child with a pre existing condition. We always choose a PPO to maximize physician options. United Healthcare restricted us the most with regards to choices as well as the most out of pocket per year. Humana had lower monthly fees but covered less in medications and specialists. BCBS has offered competitive rates and they cover medications and medical equipment at a higher rate which works best for our families needs. The other carriers we have not chosen due to less coverage on comparable plans. The current laws permit insurance companies to assign a max cap of 60% rate increase per small group member if any member has a pre existing condition. Good luck! > > > > Hello everyone, > > We are owners of a small business and as you can imagine especially with a child with special needs - our insurance premiums are HUGE - more than our house payment. > > We are looking in to switching our insurance...we currently have BCBS PPO which has been good. Our son also has the secondary All Kids through his support waiver. > > > > Wanted to see anyone had suggestions or experiences - here are some options... > > > > Aetna > > Blue Cross and Blue Shield of Illinois > > Celtic Ins. Co. > > Group Health Plan > > Humana > > IHC Group > > My Health Alliance > > Personal Care Insurance of Illinois > > UnitedHealthcare > > > > Thanks so much! > > > Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You are posting as a guest. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.