Dennis Pyzyna Insurance Broker

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Critical Care

Critical Care Insurance pays a lump sum benefit, provided the insured has survived for 30 days after the initial diagnosis of a Critical Illness. This lump sum payment can be used for any purpose including paying bills, off a mortgage, for special care and treatment, and for lifestyle, occupation or habitat modifications - even if the individual makes a full recovery.

Health Insurance for Smart People

who just have not spent time getting a degree in Insurance

 

A few things to consider before buying Health insurance

 

Health insurance offered in the state of Illinois can take many forms.   Indemnity plans, HMO, PPO, POS, POE, FSA,RSA,HSA, are some of the more common offerings.

 

But not all plans are available to all people and some people cannot get any  of the traditional plans to cover them.  HMO are only available through group plans so an individual cannot buy one.   A person with Beckerıs Disease is considered an automatic decline from the individual policy perspective.

 

And unfortunately there are some people who try to pass off low cost ıPlansı which do not require questions about your health and  are not insurance but loosely packaged discount programs or ıassociationı programs,  Some out of Georgia, Texas, Tennessee, and Florida are being investigated by various Attorney Generals of those and other states.  Google, Yahoo, or Ask can be a good information gatherer, put in the companies name and browse the arterials not the ads.

 

There are three ways most people can get health insurance coverage in Illinois:

 

1        Individual Policies

2        Small Group Policies

3        Large Group Policies

For more information call us:
PY Financial-Ilinois
Phone (847) 342-0013
Fax....(847) 342-0017

Email: dpyzyna@pyfinancial.com
Dennis A Pyzyna.
Insurance Agent

     
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