If you are a Small Business owner with fewer than 25 full time employees with average annual wage of less than $50,000 you are now eligible for a tax credit of up to 35% if you pay for at least 50% of your employee's health insurance. This being the case, Small Group Health Insurance is now more affordable for some since the passage of the PPACA (Patient Protection & Affordable Act). Learn more http://www.irs.gov/newsroom/article/0,,id=223666,00.html

Today 1 American in 4 carries a Blue Cross and Blue Shield membership card. In fact, over 4 million residents across Illinois carry the Caring Card® because they trust Blue Cross and Blue Shield of Illinois to give them more health care value for their premium dollar. Blue Cross and Blue Shield of Illinois (www.bcbsil.com) has been serving the health insurance needs of Illinois residents since 1937.

In November 2007, Health Care Service Corporation (www.hcsc.com) the Parent company of Blue Cross and Blue Shield was awarded a Financial Size Category rating of XV ($2 Billion or Greater) by A.M. Best Insurance Rating Service. This rating makes Blue Cross Blue Shield of Illinois one of the largest and most financially secure insurance companies in the state. A.M.Best, has also awarded Blue Cross Blue Shield of Illinois an “A+” (Superior) insurance rating.

As a member of Blue Cross and Blue Shield of Illinois, you'll have access to a program called Blue Card P.P.O. This is a nationwide network of providers that allows you to receive benefits for covered services when you travel. Simply present your Blue Cross and Blue Shield of Illinois ID card to a participating Blue Card PPO provider wherever you are.

With Blue Cross and Blue Shield of Illinois your claims are handled for you. In most cases, all you have to do is show your Blue Cross and Blue Shield ID card at a doctor's office or hospital, and your claim will be filed for you. Blue Cross and Blue Shield wants you to concentrate on regaining your health, not worrying about hospital and doctor bills.

Blue Cross and Blue Shield of Illinois offers 217 Traditional P.P.O. Small Group Health Insurance Plans to choose from and 28 H.S.A. Qualified High Deductible Small Group Health Insurance plans. The names and numbers as well as the descriptions of each of these plans are listed below. Just click on each hyperlink below and the plan brochure will open in Adobe PDF format.

If you would like formal quotes for Small Group Health Insurance please complete our easy to use Small Group Health Insurance online census form. We will then forward multiple Small Group health insurance quotes from Blue Cross Blue Shield for your review. Please be sure to include your email address.

BlueEdge Select HSA 100/70 Coinsurance
$1,100 Deductible with $2,000 OPX (Plan ECAJ1405 and BCAJ1405)	86K	20702	04/07
$1,500 Deductible with $3,000 OPX (Plan ECA91505, BCA91505)	86K	20703	04/07
$2,500 Deductible with $5,000 OPX (Plan ECAC1807, BCAC1807)	86K	20704	10/07
$2,500/$10,000 Embedded Deductible with $5,000 OPX (Plan ECAC1807)	86K	21145	09/07
BlueEdge Select HSA 80/50 Coinsurance
$1,100 Deductible with $2,000 OPX (Plan ECAJ3405 and BCAJ3405)	86K	20705	04/07
$1,500 Deductible with $3,000 OPX (Plan ECA93505, BCA93505)	86K	20706	04/07
$2,500 Deductible with $5,000 OPX (Plan ECAC3805, BCAC3805)	86K	20707	04/07
$2,500/$10,000 Embedded Deductible with $5,000 OPX (Plan ECEC3805 Blue Advantage Small Group HMO Plans $15/35%/50% Rx copay (Plan E2THB013) $15/35%/50% Rx copay (Plan E2THB014) $10/$40/$60 Rx copay (Plan E2THB016) $10/$20/$35 Rx copay (Plan HMO B101) $15/35%/50% Rx copay (Plan E2THB103) $15/35%/50% Rx copay (Plan E2THB104) $10/$40/$60 Rx copay (Plan E2THB106) $15/35%/50% Rx copay (Plan E2THB133) $15/35%/50% Rx copay (Plan E2THB134) $10/$40/$60 Rx copay (Plan E2THB136) $15/35%/50% Rx copay (Plan E2THB163) $15/35%/50% Rx copay (Plan E2THB164) $10/$40/$60 Rx copay (Plan E2THB166) $15/35%/50% Rx copay (Plan E2THB193) $15/35%/50% Rx copay (Plan E2THB194) $10/$40/$60 Rx copay (Plan E2THB196) BlueCare Small Group Dental Freedom PPO Plans $1,500 Annual Max with $1,500 Ortho (Plan DHUF04) $1,000 Annual Max with $1,000 Ortho (Plan DHSF10) $1,000 Annual Max with $1,000 Ortho (Plan DLSF11) $1,000 Annual Max with $0 Ortho (Plan DLUF16) $750 Annual Max with $0 Ortho (Plan DLUF18) $1,000 Annual Max with $0 Ortho (Plan DLSF20) BlueCare Small Group Dental Choice PPO Plans $1,250 Annual Max with $1,000 Ortho (Plan DHUC04) $1,250 Annual Max with $0 Ortho (Plan DHSC09) $1,000 Annual Max with $0 Ortho (Plan DLUC08) $1,000 Annual Max with $0 Ortho (Plan DLSC10) Blue Cross Small Group HMO Dental Plans HMO Plan 730 HMO Plan 710 2011 Illinois Standardized Health Insurance Application For Small Group Employees BLUE CROSS OF ILLINOIS INDIVIDUAL & FAMILY PPO HEALTH INSURANCE PLANS Select Blue Individual PPO Health Insurance Plan Select Blue Advantage Individual PPO Health Insurance Plan Blue Choice Select Individual PPO Health Insurance Plan Basic Blue Individual PPO Health Insurance Plan Blue Edge Individual PPO Health Insurance Plan (HSA qualified) Blue Edge 5000 Individual PPO Health Insurance Plan (HSA qualified) Blue Value Individual PPO Health Insurance Plan Blue Value Advantage PPO Health Insurance Plan Blue Choice Value Outline of Coverage Traditional Blue Outline of Coverage Basic Blue Outline of Coverage 2011 IL Standardized Health Insurance Application For Individuals & Families

Standard Security Life Group Advantage Health Insurance Plans

Group Advantage Small Group Health Insurance policies are provided by the Independence Holding Group an insurance organization comprised of Independence Holding Company (NYSE: IHC) and its operating subsidiaries and affiliates. With more than $1.3 billion in assets, the IHC Group serves more than one million customers through its operating companies, which include three A- (Excellent) A.M. Best-rated insurance carriers, third-party administrators, managing general underwriters and marketing organizations. The IHC Group has been providing life, health and stop-loss insurance solutions for over 25 years.

Group Advantage Small Group Health Insurance policies are administered by Insurers Administrative Corporation a member of the IHC Group. IAC is a leading administration and marketing organization in the fully insured, partially self-funded and international markets. Established in 1978, IAC specializes in small group plan (2-50 lives), Individual Health Plans short-term medical, dental and other insurance products.

Standard Security Life Insurance Company of New York is the insurer for health, dental, life, accidental death and dismemberment benefits described in the Group Advantage Small Group Health Insurance brochure below. Standard Security Life Insurance Company of New York, a member of the IHC Group, is rated A-(Excellent) by A.M. Best Company, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet their obligations to their insured's. Standard Security Life Insurance Company of New York was founded in 1958, and is domiciled in the State of New York, and headquartered in New York City. It is licensed in all 50 states, the District of Columbia, the Virgin Islands, and Puerto Rico.

Group Advantage Small Group Health Insurance policies provide high and low deductible plans with unlimited "first dollar" outpatient doctor office visit co pays. A "first dollar" benefit is defined as "a benefit you receive without paying your calendar year health plan deductible first e.g. outpatient doctor office visit co pays, outpatient prescription drug co pays, outpatient Preventative care or Wellness benefits". They also provide very competitively priced HSA qualified HDHP's and HRA's (Health Reimbursement Arrangements).

Calendar Year Health Plan Deductible choices range from $500 to $8,000. There are three different "co-insurance" options to choose from as well with "stop loss numbers" ranging from as low as 10,000 to as high as $25,000. Since the terms "co-insurance" and "stop loss number" are very rarely if ever explained to the prospective insured. We will make an effort to do so below. For ease of reference the "stop loss number" in the below scenarios will remain constant in all three examples. If anything remains unclear be sure to ask your broker of record for further clarification. The first (and most expensive) "co-insurance" arrangement scenario is the 100% option. With this option there would be nothing else to pay for in network treatment once you have satisfied your calendar year deductible.

The second "co-insurance" arrangement scenario is the 90/10 of $10,000 "co-insurance" percentage split. This simply means that after you have satisfied your calendar year deductible, the insurance company will pay 90% ($9,000) and the insured will pay 10% ($1,000) of the first $10,000 in medical bills that you incur each year. This first $10,000 is known as the "stop loss number". After this brief sharing arrangement is over, the insurance company pays 100% up to $5 Million for the rest of that calendar year. Everything starts over again on the first of each subsequent year.

The third "co-insurance" option is the 80/20 of $10,000 "co-insurance" percentage split. This means that after you have satisfied your calendar year deductible, United Health Care will pay 80% ($8,000) and the insured will pay 20% ($2,000) of the first $10,000 in medical bills that you incur. This first $10,000 is known as the "stop loss number". After this brief sharing arrangement is over, the insurance company pays 100% up to $5 Million for the rest of that calendar year. Everything starts over again on the first of each subsequent year. If the "stop loss number" in the above scenario increases from $10,000 to $15,000, $20,000 or $25,000 then your 10% or 20% portion will increase respectively. The point to remember is that you are not responsible for 10% or 20% of your entire medical bill. There is always a safety net and that safety net is referred to as the "stop loss number."

Group Advantage Small Group Health Insurance policies also offer four different prescription drug card arrangements:

Option 1: Provides a discount on prescription drugs at participating pharmacies (www.expresscripts.com)
Option 2: Generic $15 Specialty Drugs $90 $250 deductible per insured per calendar year, then: Preferred Brand $45
Non-Preferred Brand $60
Option 3: Generic $10 Preferred Brand $25 Non-Preferred Brand $40 Specialty Drugs $50
Option 4: All covered prescription drug purchases apply toward the medical deductible and coinsurance.

Group Advantage Small Group Health Insurance policies also offer the following optional benefits:

Dental - No waiting periods; see separate brochure below for details: Your employees can get immediate insurance coverage for basic and major services.
Vision - Choose from two plan designs; see separate brochure for details: Offer your employees vision insurance coverage. Includes exams, lenses and frames.
Optional Wellness Benefit - Routine physical exams, flu shots, child wellness screening and immunizations, colorectal and prostate cancer screening are covered at 100% up to $350, $500 or $1,000 per insured per calendar year after a $35 co pay. There is no waiting period and both in and out-of-network services are included.
Supplemental Accident Coverage - Choose a $500, $1,000 or $2,000 per accident benefit amount for your employees. Benefit applies to both in and out of network.
Maternity Coverage - Covered charges include treatment, hospital expenses, nursery charges, cesarean section delivery, prenatal charges & postnatal charges.
Life Insurance and Accidental Death & Dismemberment - Available options range from $10,000 to $100,000 of coverage.
24-Hour Occupational Coverage - Get protection against work-related injuries and sickness. Available to eligible business owners, sole proprietors or corporate.

Standard Security Life Group Advantage Health Insurance Plan Product Highlights

Standard Security Life Insurance Company of NY Rated A-(Excellent) By A.M. Best www.sslicny.com

A member of Independence Holding Group A $1.3 Billion Insurance Organization www.ihcgroup.com

Administered by I.A.C. One of the nations largest administrators: www.iacusa.com

Nationwide P.P.O. Network. Search for providers at: www.firsthealth.com

$2 Million or $5 million in lifetime Health Insurance benefits per insured.

Very competitively priced HSA qualified HDHP

Optional unlimited $40 doctor office sick visits co pays with the traditional plans.

Optional Child & adult Preventative care included immediately; pay only the co pay. Also available with HSA qualified HDHP.

Free yearly mammograms & Pap tests. Pay $0 out of pocket. Also available with HSA qualified HDHP.
Discount drug card included with base premium or 3 other outpatient prescription drug card plans to choose from.

100%, 90/10 or 80/20, co-insurance plans to choose from.

Stop Loss Numbers ranging from $10,000 to $25,000.

Optional Accident Medical Expense plan pays the first $500, $1,000 or $2,000 per accident in the ER.

Fully HIPAA compliant plans that cover pre-existing conditions from day one providing applicants can produce a certificate of creditable coverage which shows at least 18 months of prior continuous coverage with no lapse of more than 63 days.

Check the brochure for additional policy additions or exclusions depending on your State's mandates.

Adobe Acrobat reader is required to view these PDF files. Get the free reader at: http://www.adobe.com/products/acrobat/alternate.html

IAC Group Advantage Small Group Health Insurance Plans Brochure ( PDF format)

IAC Group Advantage Small Group Health Insurance Plans State Variations ( PDF format)

IAC Dental Advantage Small Group Health Insurance Plans Brochure ( PDF format)

Humana Small Group Comprehensive Major Medical Health Insurance Plans

Humana is a publicly traded Insurance company listed on the New York Stock exchange under the ticker symbol HUM. Humana's Small Group Health Insurance products offer financially-minded consumers peace of mind, greater savings, and customer care. Their product portfolio offers a range of plans, options, and deductible levels. In addition, they make it easy for individuals to choose and use their benefits. More than ten Small Group Health Insurance plans are offered depending on the State you live in. The most popular Small Group plans are the Humana PPO 08 Traditional plans. These plans vary by State and may include more or less coverage depending on your specific State health insurance mandates. Humana also offers several HSA qualified HDHPs. Vision, Dental, Maternity and Life Insurance are also offered. Humana also offers Individual Health Insurance plans.

Humana Small Group Comprehensive Major Medical Health Insurance Product Highlights

Humana Insurance Company (www.humana.com) Rated A-(Excellent) by A.M. Best
Consumer Driven HSA qualified HDHP available.
Three different Individual Traditional Health Insurance Plans to choose from.
Organ transplants covered same as any other illness.
4 tier outpatient R/X card included with most Individual & Small Group Health Insurance plans.
Unlimited outpatient "first dollar" (no deductible required) doctor office sick visit co pays available with most plans.
$1,000 to $5,000 individual calendar year deductibles to choose from with most plans.
100%, 90/10 and 80/20 co-insurance options to choose from with multiple stop loss numbers.
Large Nationwide P.P.O network. Find out if your doctors are in the network here: Choice Care Network
Lifetime Maximum coverage amounts are $5 Million per insured with most plans.
Routine annual physical exams and Preventative Mammogram, Pap Smear, PSA Test, & Colorectal Cancer screening covered on a "first dollar" basis (no deductible required) with most plans.
Optional "first dollar" A.M.E. plan providing up to $10,000 of "first dollar" (no deductible required) coverage per accident
Dental, Vision, Maternity and Life Insurance available.

Click on the left to generate a Brochure for each Humana SMALL Group Plan in your State ( )

Click below for FREE comparison quotes for Permanent Health Insurance coverage from multiple insurance carriers.

Click below for quotes for Temporary Health Insurance. Immediate approval, coverage can be purchased up to 1 year.

Small Business Insurance Services Traditional & Tax Qualified Health Insurance

Standard Security Life Group Advantage Health Insurance Plans