Welcome to K&B Financial, Inc.
As an authorized Exclusive General Agency for Blue Cross and Blue Shield of Illinois, our primary focus is providing quality insurance products and exceptional service.
We have aligned ourselves with Blue Cross and Blue Shield of Illinois because of their long-standing reputation in the health insurance industry. Blue Cross and Blue Shield of Illinois puts the focus on the client, and so do we. We, at K&B Financial, are proud to assist you with your individual and family insurance needs, your Medicare options, life insurance, foreign travel health insurance coverage, and more.
We know that choosing a health insurance plan isn’t an easy decision or one you take lightly. Let us take the confusion out of the process and guide you to the Blue Cross and Blue Shield of Illinois health insurance coverage that best fits your needs. Whether you are just starting a family and looking for comprehensive coverage, need coverage for only yourself, or are nearing Medicare age and need help navigating your options, we will make sure you understand your choices through Blue Cross and Blue Shield of Illinois so that you can comfortably make an informed decision.
BCBSA Ownership Tagline:
Blue Cross®, Blue Shield® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans.
Availability of Non-English Translations (websites excluded):
ATTENTION: If you speak English, language assistance services, free of charge, are available to you. Call 1-877-774-8592 (TTY: 711). We are open between 8:00 a.m. and 8:00 p.m., local time, 7 days a week. If you are calling from February 15 through September 30, alternate technologies (for example, voicemail) will be used on the weekends and holidays. ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1-877-774-8592 (TTY: 711). Nuestro horario es de 8:00 a.m. a 8:00 p.m., hora local, los 7 días de la semana. Si usted llama del 15 de febrero al 30 de septiembre, durante los fines de semana y feriados, se usarán tecnologías alternas (por ejemplo, correo de voz).
Benefits/Premiums/Pharmacy (“CFR 422.111”)
This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or copayments/coinsurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium. The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary.
Medicare Part D Plan Notice:
Prescription drug plan is provided by Blue Cross and Blue Shield of Illinois, which refers to HCSC Insurance Services Company (HISC), an Independent Licensee of the Blue Cross and Blue Shield Association. A Medicare-approved Part D sponsor. Enrollment in HISC’s plan depends on contract renewal.
Medicare Advantage Plan Notice:
HMO, HMO-POS and PPO plans are available in Cook, DuPage, Kane and Will counties. HMO-POS (H3822-010 only) is available in DuPage and Will counties.
Federal Contracting Disclaimer:
HMO, HMO-POS and PPO plans are provided by Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company (HCSC), an Independent Licensee of the Blue Cross and Blue Shield Association. HCSC is a Medicare Advantage organization with a Medicare contract. Enrollment in HCSC’s plans depends on contract renewal.
Medicare PPO Out-of-Network Disclaimer:
Out-of-network/non-contracted providers are under no obligation to treat Blue Cross Medicare Advantage (PPO)SM members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.
Third Parties Who Represent Multiple Carriers Disclaimer:
This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
Medicare Supplement Insurance Plan Notice
Not connected with or endorsed by the U.S. Government or Federal Medicare Program. Medicare Supplement insurance plans are offered by Blue Cross and Blue Shield of Illinois, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association. Blue Cross and Blue Shield of Illinois complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.