Phone (815) 459-4634
Fax (815) 459-5467
380 N. Terra Cotta Rd., Suite E
Crystal Lake, IL 60014
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Services / Shop Benefits Here

The Right Products and Services for Right Now

We will constantly introduce our clients to new benefit concepts and industry solutions to ensure we successfully meet their financial and business objectives.


Online Shopping for Insurance Benefits Made Simple

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An ONLINE STORE, also referred to as an “Exchange”, is where consumers can purchase benefits.  Exchanges offer multiple options of health insurance plans, and may offer other benefits such as dental, vision, life, and disability.  Exchanges that are “private” are run by industry, while “public” exchanges are run by the government.  The Affordable Care Act (aka “ACA”, “Health Care Reform” or “Obamacare”) was passed by Congress in 2010 and is being phased in over the next few years.  It is expected to reduce the number of people without health insurance by providing people with incentives and options to buy insurance.

Major Components of the Affordable Care Act include:

  • Expanding eligibility for Medicaid
  • Providing tax credits that make insurance more affordable for those who qualify and providing penalties for those who choose not to purchase insurance;
  • Guaranteeing access to coverage regardless of pre-existing health conditions;
  • Establishing government-run health insurance exchanges for individual insurance.

CMR Benefits is dedicated to helping consumers figure out how to make Healthcare Reform work best for them and to make informed choices. A smarter, more empowered health care consumer is emerging.

Enjoy your shopping experience!