If you are in a life threatening situation, go to your nearest emergency room or dial 9-1-1.
Call (630) 256-7740 for assistance getting health insurance for you or your family.
Call (630) 256-7740 for help finding a primary care doctor for you or your family.
Navigating the insurance world is no easy task. Do you know how to get health insurance? If you have it, do you understand how it works?
Without health insurance, healthcare can quickly become very expensive. With health insurance, there are three ways patents pay for their care. First is a premium, which is the fee you pay to simply have health insurance. It is paid every month, regardless if care was needed or not.
A deductible is the amount a patient pays out of his or own pocket before insurance kicks in and takes over payments. Once you’ve reached your deductible limit, insurance takes care of the rest of the medical fees for that year. Remember though that some services are not covered by insurance.
A copayment is a small fee a patient pays every time they seek medical care, regardless of deductible status.
Every insurance plan also comes with an in-network group of doctors that have a special relationship with the insurance company. Those outside this group are called out-of-network and can sometimes be more expensive to see. The two main types of healthcare networks are a Health Maintenance Organization (HMO) or a Preferred Provider Organization (PPO), and they each handle healthcare costs in their own way. Do you know what type you have? You can find out by looking at your card or calling your insurance company.