Health Insurance – It’s for everyone

If you are self-employed or you do not have healthcare coverage through your employer, you need at least a basic health insurance plan to ensure that you are prepared for an unforeseen health condition or injury – I can help.

A full-coverage health insurance plan may be more suitable for your needs if you have dependents, you are getting ready to start a family, or you have a family history of certain health risks, such as heart disease. You should ensure that your healthcare plan helps you to pay for the broader set of services you need.

Let me help you sort through plans, deductibles, and networks, and choose a policy that makes sense for you, your family and/or your employees.

Individual Health Insurance

Network plans allow you to pick a providers within a large network of physicians and hospitals offering negotiated rates.


Traditional plans offer you complete freedom to choose the doctor or hospital you wish, without penalty. Their flexibility makes the most sense if you live outside a network area.

Business (Group) Health Insurance

By offering health insurance to employees, you may qualify for certain tax credits and other benefits.


This option for your staff not only improves their quality of life, it also helps retain employees. This benefit is reported by employees as the most important benefit that they receive from their employer.

HAVE QUESTIONS? I can help you. Contact me today for your FreeVIPQuote.


Health Insurance

Important points to consider when shopping for Health Insurance.

With the Affordable Healthcare Act and new regulations taking effect, health insurance seems to be ever-changing.  Your healthcare costs are an important factor to consider when you want to buy health insurance, and you have a number of options for managing those costs. You can choose to pay a higher deductible to lower your regular premiums, which means you need to pay that deductible amount for doctor’s visits and medical bills before your health insurance kicks in. Alternatively you can pay a higher premium in order to avoid a high out-of-pocket cost in the event of a serious illness.

Co-pays and coinsurance are two methods health insurance companies use to share the cost of healthcare. Co-pays are a small amount you pay for every doctor’s visit, whereas coinsurance is an amount you pay in the event you need additional care. Be sure to fully understand any coinsurance payments your health insurance plan requires. In the event of a serious illness or injury, these costs can become very high.

“I am an Independent Insurance Advisor based out of Rockford, IL and licensed in the states of Illinois and Wisconsin.  I am proud to service the greater Rockford area – including: Belvidere, Marengo, Loves Park, Machesney Park, Freeport, Rockton, Roscoe, South Beloit, and Beloit (Northern Illinois and Southern Wisconsin).

I would appreciate the opportunity of helping you and your friends/family with all your insurance needs, including:

  1. doing a comprehensive review of your current insurance situation
  2. providing you with some competitive insurance quotes

I am ready and happy to help – Contact me today for your FreeVIPQuote, Thank you.” – Oscar G. Castillo