Phone (815) 459-4634
Fax (815) 459-5467
475 W. Terra Cotta Avenue, Suite F
Crystal Lake, IL 60014
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Private Client Insurance

Individual/Family Plans for Under 65
We offer assistance with Health plan selections, enrollment and medical underwriting. Once your plan is in place, our service continues with administration and claims assistance along with renewal options to keep your health insurance plan affordable.

Senior Supplements
Senior Supplement plans are group major medical insurance coverage for Medicare-eligible retirees. They help pay for the costs recognized but not covered by Medicare Parts A and B. The plans are regulated by state insurance agencies (for insured plans) or ERISA (for self-insured plans) rather than by the Centers for Medicare and Medicaid Services (CMS).

Medicare Rx Coverage
Medicare prescription drug coverage is insurance run by an insurance company or other private company approved by Medicare.

There are two ways to get Medicare prescription drug coverage:
• Medicare Prescription Drug Plans These plans (sometimes called “PDPs”) add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.

• Medicare Advantage PlansLike an HMO or PPO there are other Medicare health plans that offer Medicare prescription drug coverage. You get all of your Part A and Part B coverage, and prescription drug coverage (Part D), through these plans. Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.”