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Get world class costumer service from an expert that understands the central Illinois provider network.
Central Illinois
HEALTH INSURANCE
find a top quality Health Plan that fits your budget
We work with top rated health insurance companies
This domain is owned and operated by HCIP Insurance Services, an independent insurance agency that offers many carriers, such as the ones shown above
How HCIP Can Help
health Insurance Made Simple
Find The Best Health Coverage In 3 Simple Steps
1
Start Your Search
Submit your zip code and some other information to see if you qualify for a Cost Sharing Reduction.
2
Browse Recommendations
Within seconds, you'll see health coverage recommendations that fit your budget.
3
Select The Right Plan For You
Compare plans and enroll if you find the one you like. Our team of experts are here to help along the way so that you can be confident you're choosing the right plan.
Real Advice, Real People
We're partnered with all of the major insurance carriers, so we can compare what they offer with what your budget is. Our cutting-edge technology and years of experience in the industry helps us give you world-class service with unbeatable quotes - fast!
If you'd like to talk to live member of the team, feel free to send us a message through the online messenger here on our website!
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Don't Just Take Our Word for it
Urbana, IL
" HCIP got my monthly payment down from $1200 to $270! I had no clue how much I was leaving on the table. "
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Mahomet, IL
" With my health status, it's important for me to see the same doctor. Brett helped me lower my monthly payment from $250 to $10, while making sure I kept my doctor."
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See the most asked questions
November 1: Open Enrollment started.
December 15: Deadline for coverage that starts January 1.
January 15: Last day to sign up for coverage. Coverage starts February 1. After January 15, you can only buy a health plan if you qualify for a special enrollment period.
Health insurance coverage doesn't take effect the day you buy it. Whether you're insured through work or through a company you found on the health exchange, there is usually a waiting period before your coverage kicks in.
Savings depend on your expected household income for the upcoming year. We'll tell you if your income is in the saving range. You'll find out exactly how much you'll save when you apply.
We can still find you a plan that not only saves you money but will keep you with your current doctor!
Deductible: How much you have to spend for covered health services before your insurance company pays anything (except free preventive services)
Copayments and coinsurance: Payments you make each time you get a medical service after reaching your deductible
Out-of-pocket maximum: The most you have to spend for covered services in a year. After you reach this amount, the insurance company pays 100% for covered services.
Yes, open enrollment is the right time to switch from one health plan to another. Make sure you cancel your current plan first.
If you don't update your application or change plans before December 15, you might be automatically renewed in the same plan (or a similar one) for the upcoming year.
We recommend you still take a look at the plans available to you. You might benefit from a change, and you won’t know until you compare.
Not a problem. You can chat with an agent using our live chat tool. Get all of your options without giving away your sensitive information (full name, phone number, email address, date of birth, etc.)
Free! Free appointments. Free custom quotes. Free customer service. Free to sign up with the insurance provider of your choice.
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