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Aurora Health Insurance ~ Find the Right Coverage at the Right Price

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Aurora Health Insurance is a unique health care insurance marketplace. By simply entering your presonal zip code into our health insurance database, you are able to find the major health care providers in your area. Then you can compare as many as you'd like to find the best price for just the right amount of coverage.

What is the best way to save money on health insurance? Compare health insurance quotes from multiple companies with Aurora Health Insurance Quotes! Aurora Health Insurance works with the country’s largest health insurance provides to provide you with quotes online. Just enter your zip code above and we will provide you with a list of local providers that can get you your quotes in minutes.

Healthcare and health insurance costs are high, you can begin lowering your costs by using our providers. If you’d like to learn more about health insurance before signing up, you can visit the Affordable Care Act website at www.healthcare.gov. There are many resources to read and help you make informed decisions. If you already know and are ready to purchase medical insurance, then enter your zip code to find out how you can save on health insurance.

How do you find the best health insurance rates and the best coverage? Let Aurora health insurance quotes help you. Just select as many carriers or companies as you would like to compare to find the right plan for you.

 Understanding your Health Insurance Needs

Finding health insurance for you can be overwhelming, but trying to be certain that you find the right insurance for your family can be a priority for you. Don’t do it alone. Researching health insurance online one website at a time can take weeks to get all the information you need. Our service helps you by placing all your local insurance providers in one convenient location and allows you to compare as many quotes and policies as you would like. Don’t pay too much for health insurance for you or your family, get free, online health insurance quotes from Aurora Health Insurance.

 Finding the Lowest Health Insurance Rates

Saving money on health insurance begins with you. You know better than anyone if you are in good health or if a family member may have a pre-existing condition. By knowing this you can help determine the kind of coverage you and/or your family needs. Only you know what you are willing to spend on medical insurance. Please read below to see what types of insurance plans fit your needs, HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), HDHP (High Deductible), or Catastrophic Health Insurance. They all have their benefits and advantages. It’s just a matter of finding the right fit for you. HMO’s are usually less expensive than PPO’s, although with HMO’s you are usually required to stay in the network of doctors. With PPO’s you may pay a little more but have many choices in your health care providers.

Determining the right medical coverage for you depends on your own assessment of your health. If you tend to be active and lead a healthy lifestyle, you may consider a High Deductible plan or HMO. Or, you may need health insurance only for major medical events, in which a Catastrophic plan may be your perfect match. Typically, the higher you’re deductible the less you pay, just like your car insurance. (Which we also provide, just select auto insurance from the drop down menu after you complete your health insurance quotes…).  You can also save money by not purchasing health insurance coverage’s or prescriptions that you don’t need.

Be considerate of your current situation as well as the near future. Some things change and need to be considered, such as possibly needing maternity coverage if you’re planning on having children soon or maybe your son or daughter is going to begin after school sports, such as football or cheerleading. The best plan is to be prepared for anything while not paying too much for things you don’t need. Hospital bills are known by everyone to usually seem excessively large and can be financially overwhelming. Having the right health insurance plan can help you in your most desperate times and protect your assets from large medical bills. Don’t put you or your family’s financial future in jeopardy.

See how we can save you money today on your health insurance. Get a free, online health insurance quote today. Just start with your zip code.

 Different Kinds of Health Insurance Plans

Different types of health insurance plans meet different needs. When you compare options, it's important to understand how they are structured.

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided. HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.  

Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)

These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of- network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral. If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.  

High Deductible Health Plan (HDHP)

High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. As of 2013, HDHPs are plans with a minimum deductible of $1250 per year for individual coverage and $2500 for family coverage. If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.

Catastrophic Health Insurance Plan
A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher. This means you must pay thousands of dollars out-of-pocket before full coverage kicks in. In the Marketplace, catastrophic plans are available only to people under 30 and to some low-income people who are exempt from paying the fee because other insurance is considered unaffordable or because they have received "hardship exemptions". Marketplace catastrophic plans cover 3 annual primary care visits and preventive services at no cost. After the deductible is met, they cover the same set of essential health benefits that other Marketplace plans offer. People with catastrophic plans are not eligible for lower costs on their monthly premiums or out-of-pocket costs.

 Individual and Family Health Insurance Companies in Illinois

aetna health insurance
Aetna Inc.

We’re looking at health care and health coverage in a whole new way. You have a choice in health plans, and we want to help make your decision as simple as possible.

When you choose Aetna, you get an ally in living a healthier life. From our dedicated nurse information line that you can call 24 hours a day to our suite of online health tools, we’re here to help you.

Aetna is one of the nation’s leading, diversified health care benefits companies, serving an estimated 44 million people with information and resources to help them make better-informed decisions.

Your priced contribution gets you a team of dedicated health professionals devoted to helping you live a healthier life. 

Our national network of doctors and hospitals is one of the largest in the country.

Aetna Navigator®, our secure member website, is your one-stop shop for all your daily health coverage needs. You can check on a claim, look at an Explanation of Benefits, review your coverage and a lot more.

blue cross blue shield health insurance
Blue Cross Blue Shield

The Blue Cross and Blue Shield Association is a national federation of 37 independent, community-based and locally operated Blue Cross® and Blue Shield® companies. The Association owns and manages the Blue Cross and Blue Shield trademarks and names in more than 170 countries and territories around the world. The Association grants licenses to independent companies to use the trademarks and names in exclusive geographic areas. The Association also operates several business initiatives in support of the Blue Cross and Blue Shield companies and represents the Blue System in national forums. In this role as a national association, BCBSA is responsible for advancing Blue Cross and Blue Shield interests in legislative and regulatory initiatives in Washington, D.C., as well as coordinating legislative, regulatory and political strategy for the Blue System.

Blue Cross and Blue Shield Companies

Operating and offering healthcare coverage in all 50 states, the District of Columbia and Puerto Rico, the 37 Blue Cross and Blue Shield companies cover more than 105 million Americans. Nationwide, more than 96% of hospitals and 92% of professional providers contract with Blue Cross and Blue Shield companies — more than any other insurer. Blue Cross and Blue Shield companies offer a variety of insurance products to all segments of the population, including large employer groups, small business and individuals. The Blues® currently serve 85% of Fortune 100 companies and 76% of Fortune 500 companies. Moreover, the Blues have enrolled more than half of all U.S. federal workers, retirees and their families, making the Federal Employee Program the largest single health plan group in the world.

  • Thirty-seven independent and locally operated Blue Cross and Blue Shield companies and the Blue Cross and Blue Shield Association (BCBSA) comprise the Blue Cross and Blue Shield System, the nation’s oldest and largest family of health benefits companies.
  • Blue Cross and Blue Shield companies provide healthcare coverage for more than 105 million people — one-third of all Americans — in all 50 states, the District of Columbia and Puerto Rico.  Blue Cross and Blue Shield companies represent the full spectrum of healthcare coverage.
  • Nationwide, more than 96% of hospitals and 91% of professional providers contract directly with Blue Cross and Blue Shield companies.
  • The Blue Cross and Blue Shield companies enroll in the Federal Employee Program (FEP) — the largest privately underwritten health insurance contract in the world — more than 5.3 million federal government employees, dependents and retirees. 
  • Blue Cross and Blue Shield companies have partnered with the federal government to process Medicare fee-for-service claims and payments since the program’s inception in 1965. 
  • In FY 2011, Blue Cross and Blue Shield Medicare contractors processed 83.2% of the more than 190 million total claims from hospitals and other provider institutions (Part A) and 69.4% of the more than 990 million claims from physicians and other healthcare practitioners (Part B).

The Power of Blue
More than 105 million members — 1-in-3 Americans - rely on Blue Cross Blue Shield companies for access to safe, quality, and affordable healthcare. Our responsibility as the Blue System does not end there. The relationships with our communities and the improvements we have made together demonstrate The Power of Blue - the power to make a difference.

coventry health insurance
Coventry Health Care

Coventry goes the extra mile to serve member needs.

  • Affordable plan options that offer protection
  • Industry-leading customer focus
  • Innovative tools for managing your well-being
  • Medicare and Medicaid coverage

With a wide range of plans to choose from, you can count on CoventryOne® for the benefits you need at a price you can afford:

  • Routine wellness examinations and immunizations
  • Hospital, outpatient, urgent and emergency care
  • Prescription drugs with low copays for generics
  • And more

Backed by quality, affordability and thousands of satisfied members, CoventryOne plans offer a smart choice for individual and family health insurance coverage.  CoventryOne specializes in offering superior coverage with a range of deductibles and coinsurances.

When you choose CoventryOne, you can feel comfortable with the choice you make for the well being of you and your family. If you’re self-employed, between jobs or your employer doesn’t offer insurance, we can help you to select a CoventryOne option that’s just right for you.

With CoventryOne, members benefit from unmatched plan benefits:

  • Clear, affordable coverage:  choose a plan to fit your budget
  • Easy to understand:  plans are designed with you in mind
  • Low copays and deductibles
  • No specialist referrals needed
  • Wellness and preventive programs

humana health insurance
Humana

Turn a little guidance into a healthy new outlook. You deserve health insurance that's built around the way you live. With Humana's healthcare solutions, you'll get help finding plans that fit your needs. Discover how easy it is to enjoy the rewards of choosing a healthy lifestyle.

Good health is about more than doctor visits when you or family members are feeling sick. It’s about making choices that feel good, inside and out. Our individual and family medical plans include all the benefits the healthcare law requires. Plus, you get a plan backed by people who care about your well-being. You’re in control of the decision, and Humana makes it easy to decide.

Find coverage that puts your family first

Whether it’s budgeting for braces or adding some financial security to your children’s future, your family’s insurance needs are bound to change. And with Humana, you have flexible coverage options that are ready to change with you. No matter how big or how small, your family will experience changes. That’s why Humana offers a variety of medical plan options that are ready to keep up with whatever lies ahead for those who matter most to you.

More traditional coverage option
  • Up to 100% coverage for preventive care services
  • Includes prescription drug coverage
  • Predictable costs for doctor’s office visits
vs.
More control over your insurance spending
  • A simple way to save for your deductible and other expenses
  • Lower monthly payments with a high deductible
  • Available with or without prescription drug coverage

New to individual insurance

A smart start begins with understanding your needs. Find flexible and affordable options — plus health and well-being extras to help you stay healthy in body, mind, and spirit.

It doesn’t matter if you’re 26 or 50, choosing your first individual medical plan can be a challenge. With Humana, you’ll have options that help you control costs while keeping your health a priority.

Longer term and lots of choices

  • Coverage in case of health emergency
  • Lower monthly payments with a high deductible
  • Some can be paired with a Health Savings Account (HSA)
Healthcare reform and you

The Pre-Existing Condition Insurance Plan provides a health coverage option if you have been uninsured for at least six months, you have a pre-existing condition, or have been denied health coverage because of your health condition.

my health alliance health insurance
My Health Alliance

We treat you like a person, not a policy. We don’t like to brag, but we have a pretty amazing team. Every person, from front office to corner office, wants you to be your best.

  • Tens of thousands of doctors in our network
  • Hundreds of network hospitals
  • Nearly 300,000 members
  • 500-plus Health Alliance employees and growing to serve your needs
  • One goal. Deliver top-notch insurance that fits your needs and budget

In Illinois, we offer Medicare Advantage plans, Medicare Supplement plans, Stand-Alone Prescription Drug Plans, Employer Group plans, Individual plans, Dual-eligible (Medicare and Medicaid) plans, and Medicaid plans.

Networks You Can Trust

Keeping the doctor you know and trust is important. Health Alliance offers a large network of doctors, hospitals, and clinics. We’re always building our network and working on contracts with health care systems and doctors who help us offer affordable coverage.

More than 20,000 physicians make up our Health Alliance network. We also provide access to national extended networks for groups that want even greater choices for their employees. Use our provider directory to find your doctor.

And if a member is miles from home (outside his or her network), it’s no problem. We have services linked to getting quality emergency medical care and more through Assist America.

You can relax knowing you’re covered. We make using your coverage easy — because life is already hectic enough.

We Are Here to Help

We love hearing from our members. So whether it’s in person, on the phone, or through social media, when you have a question, our Customer Service reps are here for you.

You’ll never have to jump through hoops to get answers. They give personal help to over 40,000 callers each month. Our Champaign-Urbana-based staff quickly connects members to answers in 15 seconds or less, on average.

ambetter health insurance
AMBettter Health

Nothing is more important than your health – so, health insurance costs shouldn’t hold you back from having the healthcare you deserve. With Ambetter, you have access to affordable, quality care. We design our Ambetter plans to fit your health needs and your budget.

But our focus doesn’t stop there. In fact, our commitment to your well-being extends far beyond the doctor’s office and into your everyday life. Ambetter is active in your local community—and we’re dedicated to helping you live well.

Our plans also offer a wide variety of valuable programs, educational tools and support. With Ambetter, it’s easy to stay in charge of your health. And to lead a healthy, fulfilling life.

Ambetter is our suite of health insurance product offerings for the Health Insurance Marketplace. Our family of Ambetter Health Plans are certified as Qualified Health Plan issuers in the Health Insurance Marketplace.
We believe that healthcare insurance comapnies can best deliver quality care on a local level. Our Ambetter products are offered by Centene Corporation - a Fortune 500 company with over 27 years of experience in the Managed Care industry and a robust portfolio of specialty health solutions for healthcare insurance companies and more. Ambetter health insurance plans are designed to deliver high quality, locally-based healthcare services to its members, with our providers benefiting from enhanced collaboration and strategic care coordination programs.

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