Illinois Teachers:
You Have More Options Than Your District Plan
A Private PPO Plan Can Save You 40%-50% And Offer:
$0 copays, $0 outpatient deductibles,
nationwide PPO access, and help reducing medical costs
Just a few steps to get your free quote & compare options:
No spam. No obligation. You’ll work with one licensed agent from start to finish.
Are you a teacher in illinois?HMO, OAP, and TCHP are not your only options...
In the example pictured: Teachers with Families, will be paying $1,483 a month for that Tier II Open Access plan (OAP) AND they’ll have to meet a $1,200 deductible before even getting to use many of their benefits.
Compare that to this private health insurance option, where they’d only be paying $860 a month with $0 outpatient deductibles, no copays, and access to a nationwide PPO network of providers.
Our licensed agents can help you compare your options and find the balance of cost and coverage that is right for you!
Teachers across Illinois are comparing their options and making the switch before May 31st.
Smart Benefits
With Year-Round Support
Private health insurance quotes are typically 40%-50% lower than Illinois State Open Access Plan (OAP) Benefits and the Teachers Choice Health Plan (TCHP)
Leave your cash at home!
You can enjoy $0 copays when visiting the doctor, specialist, urgent care, and MORE.
Start using benefits like doctor visits or urgent care day 1 - with NO outpatient deductible.
With access to one of the largest PPO networks in the country our members have no trouble finding doctors - in fact, your doctor is probably already in-network!
Simply show your card and see your doctor - no copay, no hassle.
Real people. Real help.
You’re never alone here.
Our Patient Advocates are experts in medical billing and insurance. From finding doctors to pre-pricing procedures to filing claims and even negotiating surprise bills—they’re just a phone call away.
Flexible plans that put you in control.
Whether you're covering a family, spouse, child, employee, or just yourself, you'll have the flexibility to build a plan around your needs and budget!
Real People. Real Protection.
When David* was diagnosed with cancer, he braced for the worst—not just medically, but financially. The treatments came quickly, and so did the bills.
But with the help of his private health insurance plan, what followed wasn’t panic—it was relief:
He was able to get the treatment he needed, when he needed it.
Florida Cancer Specialists billed David's plan $356.54 for his treatment. (pictured)
David's plan has $2,250 of coverage for radiation treatment, so his plan paid Florida Cancer Specialists their $356.54 and sent David a check for the remaining $1,893.46 (pictured)
David will get a check like that every day he goes in for treatment, up to his calendar year max, and he is free to spend those checks however he needs too.
Why So Many So Many Teachers Are Making The Switch...
Elementary School Teacher, Margaret, Saved Over $7,000/year!
“I was paying over $1,302/month through my employer’s plan just to keep my family insured. Even with a raise, it felt impossible to keep up. The deductible was more than my emergency fund.
I spoke with a licensed agent who showed me how I could stay on my employer plan for about $19/month and move my husband and kids to a more affordable private PPO plan.
That one change saved us over $652/month, that’s more than $7,000 a year back in our pocket.”
(*Name and identifying details changed for privacy.)
Is this Private PPO plan right for you?
Follow these 3 easy steps to request a private health insurance quote and find out:
We Handle the System,
So You Can Focus on Healing
You get year-round support from U.S.-based Patient Advocates, who are experts in medical billing and make your care significantly simpler and more affordable. Get your health insurance quote to see if this private plan is right for you!
Patient Advocacy is a voluntary membership and not an insurance product.
Our advocacy team can shop the cost of your health care for you and present fairly-priced options within your benefits.
Never worry about surprise bills again! Our experts can review your bill and negotiate with providers on your behalf.
Our advocacy team handles the claims process for you, so you can get reimbursed sooner.
Just let our team know what kind of doctor you need and they'll do the digging for you to find primary care, specialists, facilities, and more!
Top Questions About
This Private PPO Health Insurance Plan
How Can The Premiums Be So Low?
Your premium is based on factors like age, smoking status, location, and overall health—the healthier you are, the lower your cost.
Because our enrollees are generally healthier, fewer claims are filed, allowing us to keep premiums low while still offering excellent benefits. That's how you do low cost health insurance right!
Is This Real Health Insurance?
Yes! This is a health indemnity plan that is approved and regulated by each state’s Department of Insurance.
Do I Qualify?
Most healthy Americans do qualify, however this plan may not be the right fit if you have any of the following:
- Recent heart attack or stroke
- Current cancer or a history of cancer within the last five years
- Insulin-dependent diabetes
- Pregnant
- COPD
- Need for immediate surgery
- Age 65 or older
If none of these apply to you, then you'll probably qualify, and don't worry, conditions like high blood pressure, high cholesterol, or other minor health issues won’t prevent you from qualifying either.
Is This a PPO, HMO, or EPO plan?
This is a PPO plan, giving you access to one of the largest provider networks in the country - nearly 96% of the U.S. population has a provider within 20 miles.
Is My Doctor In-Network?
Because this plan gives you access to one of the largest nationwide PPO networks, it is very likely that your doctor is in-network. Your agent can verify that your doctor is in-network before you apply!
Is There A Max Out Of Pocket?
Our plans don’t have a traditional out-of-pocket maximum. Instead, you select your annual benefit limit, choosing from $250,000, $500,000, or $1,000,000 in coverage for the year. This allows you to customize your plan to match your healthcare needs and budget.