Click to Call
Arial Insurance Group

250 Parkway Drive Ste 150
Lincolnshire, IL 60069

Get Directions

Arial Insurance Group Blog

Hidden Health Insurance Facts To Be Aware Of

Arial Insurance Group helps Chicago, IL residents find the coverage they need to protect what matters most. We strive to establish long-lasting relationships with our clients. We work with multiple carriers across the Midwest to give our clients a wide variety of options.

Hidden Health Insurance Facts

Health insurance helps you take care of yourself. The policy covers emergency visits and preventative care measures such as routine checkups with your primary care physician. Health insurance also covers your prescription medications if your doctor recommends that you take something to feel better. As you research different types of coverage, pay attention to these hidden health insurance facts.

Alternative Treatment

Your health insurance policy may include coverage for alternative forms of treatment. The recent technological advancements have led to the creation of several innovative treatment methods. Your health insurance may cover massage therapy, acupuncture, and chiropractic visits as part of your rehabilitation.  

Mental Health Coverage

Mental health has become a hot topic of discussion. You can amend your health insurance policy to cover treatment if you are dealing with mental health issues, such as bipolar disorder. You can also add mental health checkups as part of your preventative care.

Incentives

Your health insurance policy may include incentives for striving to live a healthy lifestyle. For example, your policy may include incentives for becoming a member of a local Chicago, IL gym. If you have a weight loss goal that you would like to reach or set up a plan to stop smoking, you can outline those goals in your policy.

Arial Insurance Group Will Help You Find The Right Coverage

Visit our website today to learn more information about health insurance.

Health insurance terms you need to know

When it comes to choosing health insurance, it can be very confusing. With so much information, trying to compare policies is enough to make your head spin. Before you can make sure you are comparing apples and apples, you have to understand some health insurance terms. You can’t make an educated choice without the correct information. Having an insurance agent that you trust makes the whole process much easier. If you live in Chicago, IL, Arial Insurance Group is an independent insurance agency with an experienced team. They will help you get through the process of choosing health insurance that gives you the coverage you need at a price you can afford. 

Network

If you have your own doctors, one of the first things you should do when looking at an insurance carrier is to check their network to make sure your doctors participate in that network. Every insurance carrier makes deals with groups of doctors and medical professionals. They negotiate the rates. These are the doctors and hospitals you will need to use with that carrier. 

High deductible

A high deductible is an amount you must pay for covered services before the insurance policy begins to pay. With high deductible policies, this usually starts at around $5000. 

Formulary

The formulary is the listing of drugs that are covered under the prescription plan that you are choosing. Checking to make sure your drugs are on the list and how much each refill will cost is important information for you to know. 

When it is that time of year again, when you renew or look for new healthcare coverage, give us a call at Arial Insurance Group in Chicago, IL. We will help you get the health coverage you need. Call our office to set up an appointment or to ask us any questions you may have.

Partner Carriers

  • Aegis
  • American Modern
  • American Strategic Insurance(ASI)
  • Assurant Flood Solutions
  • Berkshire Hathaway Guard
  • Capital Premium Financing
  • Cigna
  • Dovetail
  • Foremost
  • Grange
  • Hagerty
  • Humana
  • Kansas City Life Insurance Company
  • Met Life and Health
  • National General
  • Nationwide
  • Old American Life
  • Openly
  • Progressive
  • RLI Surety
  • State Auto
  • Stillwater
  • Travelers
  • United Healthcare