K&B Under 65 Health Insurance

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	*NEW in 2010 BlueCare® Dental PPO Maximum dental coverage that doesn't take a big bite out of your wallet, giving members access to one of the nation's largest networks of contracting dentists. Optional inclusion for all individual and family plans.

	Blue Extras An exclusive, no cost Wellness Discount Program on value-added healthcare products and services.

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Under 65 Health Insurance

Understanding the purpose of insurance in general is a good place to begin. The purpose of insurance is to eliminate risk and exposure to you and to spread this risk management amongst others, such as an insurance company, and ultimately to provide a practical solution to economic uncertainties and unexpected losses. Everyday, we all face the risk of illness or accident. The costs associated with these risks can be exorbitant and financially devastating. When we spread this risk to insurance companies, we do it through health insurance. Many who are under 65 are fortunate to have health insurance through an employer while many, for a variety of reasons, must attain health insurance coverage by their own means. If you fall into this category of needing to provide for your own individual or family health insurance, we recommend Blue Cross and Blue Shield of Illinois as your best possible solution.

Today, one out of three insured residents in Illinois carries a Blue Cross and Blue Shield of Illinois membership card. In fact, over 4 million residents across Illinois "carry the caring card" because they trust Blue Cross and Blue Shield of Illinois to give them more healthcare value for their premium dollar and they know their coverage is backed by over 70 years of recognized industry leadership. Blue Cross and Blue Shield of Illinois is the largest and most financially secure insurance company in the state for a reason.

Please take a look at the following health plans or feel free to contact us to arrange an agent consultation to best fit you with a plan that meets your needs and budget. New in 2010: all individual and family health plan applicants can elect to include optional BlueCare® Dental PPO.

SelectBlue®
For individuals and families looking for an extraordinary sense of security, Blue Cross and Blue Shield of Illinois offers a plan that leaves nothing to the imagination. It's called SelectBlue, and it features a level of protection usually found only in employer-sponsored group healthcare plans.

SelectBlue Advantage^SM
SelectBlue Advantage is a new, lower-cost premier major medical plan for individuals and families. With SelectBlue Advantage you have access to the largest provider network in the state, including 90% of Illinois doctors and more than 200 hospitals. SelectBlueAdvantage has the benefits of our premier SelectBlue Plan with innovative cost-sharing features affording a premium savings of up to 10%.

BlueChoice^SM Select
If you want broad major medical benefits and savings of the BlueChoice network, it just fits. BlueChoice Select brings you a plan that fits expectations by giving you the benefits you deserve...at a price that is much lower than you might expect for a major medical plan. Covers the same services as our premier SelectBlue Plan, but has a premium savings of up to 19% if you utilize providers within the BlueChoice network.

BlueValue^SM
Introducing a new combination of comprehensive benefits, freedom of choice, and affordability in healthcare protection. BlueValue is a plan that's hard to beat. If you're looking for important benefits, flexibility, and the affordably priced premium you deserve, Blue Value is for you.

BlueValue Advantage^SM
Choose BlueValue Advantage for reliable major medical benefits at an even lower premium. A new money-saving major medical plan for individuals and families, BlueValue Advantage is easy on your budget. BlueValue Advantage has all the benefits of our most popular BlueValue Plan with innovative cost-sharing features affording a premum savings of up to 10%.

BlueChoice^SM Value
A smart choice for reliable health insurance coverage at rates to fit your budget, BlueChoice Value is a great combination of benefits and price. BlueChoice Value offers the money-saving advantages of the BlueChoice network, saving you as much as 18% on premiums if you utilize providers within the Bluechoice network.

Blue Edge Individual Health Savings Accounts (HSA)
Learn about the newest healthcare product on the market: high deductible health insurance plans answer the need for reliable coverage with lower prices, allowing you to spend discriminately using a tax-favored savings account on any applicable medical expenses, all while accumulating tax-free interest.
Blue Edge Individual HSA
Blue Edge Individual HSA 5000

Click the above helpful links "Free Quote" to access our auto-quote generator and "How to Apply" to download an application. Or, feel free to call 1-800-572-7512 for immediate information and a rate quote right over the phone.

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