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Gizmo Health has the best health insurance prices available.
We are experts in individual & group health insurance and understand the complexities
of the business. We also understand the importance of receiving prompt answers to
your insurance questions, which is why Gizmo Health has representatives available
5-6 CST to serve you. You can have a live chat with an insurance expert or call
us at 312-884-5150.
Show all options: Gizmo Health is the only web site in Illinois
that displays all plans from most covered carriers. Do not be fooled by other
insurance sites only displaying 30%-50% of all offered plans. We offer the broadest
selection of health insurance companies and plans available. You find the plan that
best fits your needs and apply in less than 20 minutes.
Fastest Processing: Gizmo Health offers the fastest way to apply
for health insurance period. Call us 312-884-5150 for more information.
First Class Customer Service: We focus on the customer service
and go the extra mile to ensure our customers satisfaction. A Gizmo Health representative
is always standing by to assist you. Live chats give you the opportunity to have
quick, real-time responses to your insurance questions or concerns and Gizmo Health
representatives are available to answer any questions you might have. If you feel
more comfortable speaking with someone via telephone you can call us at 312-884-5150.
All the services offered by Gizmo Health are provided
at no extra cost to you, the consumer. If you buy a health insurance plan through
us, you'll pay the regular monthly premium to the health insurance company you choose,
but you'll pay nothing to us.
Individual health insurance products can cost one third to one
half of group insurance. This price difference is due to medical underwriting, whereby
insurance companies can deny or limit coverage based on an applicant’s health status.
Many states require all groups to offer maternity coverage for all members, raising
the cost considerably.
The older you are the higher the cost of your insurance. Gender
has less impact, except if there is maternity coverage. And finally, tobacco use
may increase the cost of the policy from 25% to 35% depending on the carrier because
of the health risks associated with smoking.
Insurance companies will typically insure children of the
policyholder through age 23 if they are enrolled as full-time students. Otherwise,
they are required to obtain their own insurance when reaching age 18.
The prescription drug benefit for individual and
family plans varies greatly. Some plans limit the annual benefit and others have
a deductible. Please closely review the drug benefit before selecting a health plan.
. If you have questions about prescription benefits of the policy or policies you
are considering contact Gizmo Health at 312-884-5150 or live chat with us
Each plan that has a maternity benefit will be clearly
marked Gizmo Health always gives you ability to sort based on maternity coverage
(left column third page). Rules and prices on maternity coverage vary
by carrier to carrier, so please read the details carefully.
Health insurance companies are required to file their health
plan prices in each state that they do business. Insurers then must sell each benefit
plan at the filed price. You will not find a health policy on our website at a better
price anywhere else. We guarantee it.
Appling online is the fastest method of obtaining health
insurance. Some carriers can take upto three weeks to make an underwriting
decision. Gizmo Health works closely with the insurance carriers to ensure
quick processing of all of applications. If speed is an issue Humana’s phone application
can be processed same day.
Some carriers only have effective dates on the first or the 15th
of the month. Others will start coverage mid month. If applying online and your
requested start date cannot be accommodated by the insurer, you will be alerted
online to the available start dates. Please call us if you need to request
an effective date change at 312-884-5152
COBRA is a 1985 federal legislation that requires employers
with more than 20 employees to allow employees who leave the company a chance
to continue their insurance with the company plan for 18 to 36 months. The
employee is required to reimburse the employer for the cost of the insurance plus
up to a 2% administrative fee.
Shopping with Gizmo Health is simple. After entering
some basic information about yourself, your family or your business including gender,
birth date and tobacco use, you'll be provided with a list of health insurance plans
available in your area. You may refine these results by insurance, carrier, maternity,
coverage or premium budget to match your criteria. For example, if you are looking
for policies with certain insurance company or within a certain price range you
will be able to refine your search. You'll also have the opportunity to select several
different plans and compare them side by side. Once your application is complete,
Gizmo Health will work with the health insurance company to help you receive a quick
coverage determination.
As part of the application process, the insurance company will
request that you fill out a health statement for each member of the family who intends
to be insured. The statement is called a health questionnaire and based on your
answers to the questions, the company will make one of the following decisions:
1. Accept all or certain family members.
2. Accept certain family members with exclusions/amendments.
3. Increase the price by changing the rate from “preferred” to “standard” or rasing
the individual’s premium by a percentage.
4. Exclude certain preexisting conditions.
5. Decline the application. Gizmo deals with state agencies to find
insurance for individuals who are declined.
An insurance underwriter may accept an application but exclude
coverage for certain "preexisting conditions" For example, you may have had recent
foot surgery and the insurance carrier will accept your application excluding all
claims related to your injured foot. Such exclusions may last for a specific period
of time or the life of the policy, generally three to five years.
Please dial 312-884-5150 and a Gizmo representative will be happy
to answer any questions or live chat with us, We are available 5-6 CST
Most rate changes will accrue on either policy renewal or your
birthday. Each carrier has different rules; however you will always be notified
in writing 30 days prior. To determine a particular insurance carrier’s policy,
please call us 312-884-5150.
There are many elements to consider when choosing an
insurance carrier. If you do not have a specific doctor you need to see, shop
by price. If your doctor is important, you must select a carrier with whom
your physician has a contract.
You get what you pay for with insurance. The trick is to
determine what you need, and only purchase thosebenefit(s) or group benefit(s).
Questions? Call or live chat with Gizmo Health at 312-884-5150.
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