Goodwin Agency, Inc.

Whether you are an individual or family, our free service allows you to find the most affordable individual or family health insurance in Illinois or Missouri.

Good health insurance can be affordable. There are many plans that can fit your budget and we’ll do the research. These plans will be there when you need them, and contain the coverages you are likely to use most.

Only companies with “A” ratings by A.M. Best Company are considered. While other sites will often include any and all licensed companies, we feel it is important to factor in the safety of the company, along with the company’s ability to pay claims. 

Rates tend to increase almost every year. Sometimes, a policy that was once your best option, is now quite overpriced. Every year, we analyze your rate and coverage to ensure you’re still with the most appropriate company.

Click to get the best availablecoverage for you or your family. 

The three types of individual health plans are comprehensive, catastrophic and Health Savings Accounts (HSAs).

Catastrophic plans generally cover only the major medical expenses, and rates tend to be very low. Sometimes referred to as a "High Deducible Health Plan," out of pocket expenses tend to be higher, with limitations on office visit and prescription coverages. In some cases, preventative benefits are included. 

Comprehensive plans add office visits and prescription coverages, and tend to be the most expensive plans. But raising the deductible on the major medical items can keep the premium quite affordable. Some individual health insurance plans will offer a reduced rate, by limiting the number of covered office vists. Another available option to reduce premiums is limiting the type of prescriptions that are covered.

HSAs, a popular individual health insurance plan, are most effective when major medical and preventative coverages are a priority. Rates are often fairly low, and additional tax advantages help make the HSA an attractive option to consider. The amount of premium saved by purchasing the lower premium/higher deductible policy can be deposited into an HSA account, to pay for qualified medical expenses.

            HEALTH INSURANCE FAQ

1. What is a deductible?

It is a specific dollar amount that an individual must pay (or "satisfy") before reimbursement for expenses begins. The higher the deductible, the lower the cost of the health insurance plan.

2. What is co-insurance?

The co-insurance clause requires you to pay a percentage (or a fixed amount) of your covered medical expenses. The percentage is usually expressed as "80/20" co-insurance. This means after you have paid the deductible amount (if any) as stated in your policy, you will pay 20% of the medical bills and the insurance company will pay the remaining 80% of the covered medical expenses. When your total expenses reach a dollar amount stated in your policy, the insurance company pays 100% of the covered expenses up to the maximum benefit of your policy.

3. What is a HMO?

A health maintenance organization (HMO) is an organization that provides comprehensive health care to a voluntarily enrolled population at a predetermined price. Members pay a fixed fee, directly to the HMO and in return receive health care services as often as needed.

4. When does my coverage begin?

All health plans are subject to underwriting approval. Do not cancel any current policies until issued an effective date.

5. What is a waiver?

A term used when a particular area of the insured is not covered due to previous history. Some are temporary and some are permanent.

6. What is an exclusion?

This states the types of injuries or illnesses that are not covered. All policies have exclusions. the most common types of exclusions are pre-existing conditions, self-inflicted injuries and injuries incurred while committing a criminal act. Injuries resulting from some specific activities may also by excluded.

  Our Mission

Goodwin Agency, Incorporated will provide industry leading service and value to our customers through knowledgeable, professional, and ethical application of our products. We will maintain a system that is conducive to continued growth and improvement. We will always be driven by our customer’s needs for asset protection, while putting forth our best efforts to educate and serve as leaders in the communities in which we do business.

1999 Vandalia Street
Collinsville, IL 62234-4847
ph: (618) 344-5397
fax: (618) 345-5030
alt: (866) 496-8313
goodwinagency@ymail.com