Health Insurance Services Including

"Free" No Obligation Quotes 

 HEALTH SMART, is a branch of our brokerage firm that has no

particular allegiance to any one insurance company. Our agents

are also multi state licensed. This being the case, we can

shop all major carriers for you so you always get the BEST plan at

the LOWEST price.

Each plan can be customized to fit your specific healthcare

needs and budget. You can do your own due diligence and

Click here to get hundreds of free No Obligation Multiple

Carrier Health Insurance Quotes. 

We also offer a unique service you may be interested in. 

We know how “overwhelming” searching for a health plan

can be, that is why we offer “online” live instant assistance

to you free of any charge, no pressure or obligation on your part. 

 Call us toll free at 1-866-636-7614 and we will provide you

an access code to place into the KEY box in the top right corner

of the header (Glance Box) "so that you can relax, put your

mouse down while watching “our” screen (no intrusion to your system)

while you can ask questions of our agents that will explain how

health insurance works, such as deductibles, co-pay, co-insurance,

doctor co-pay, or what is maximum out of pocket risk?  All your

questions will be answered immediately so you can make wise

choices for you or your family.  

 You will experience first hand how we narrow down the nearly

500 company plans available and reduce these to three that

meet your specific personal needs. Once completed onscreen

your agent will send an email with these top three choices

along with brochures and price for each plan. 

Simple, smart, and quick.

 You can call us every day from 9am-6pm toll free 1-866-636-7614

for your instant, online, live quote while you relax in the comfort of

your home or office.  Each company provides products that can be

custom fit for you.  To help you decide on the best plan for you please

check out our 10 Question Methodology of due diligence pertaining

to the purchase of a health insurance policy.

With health insurance in particular it is more important to know what

your plan does not cover than what it does!

Please contact us toll free @ (866) 636 7614 for more information or

for help in deciding which plan is best for you, your company or your

family. For specific details about the top 5 carriers that we recommend.

 Please review our "agent picks" in no particular order, of the top plans

providing the best health insurance benefits with affordable premiums.

Click on any link to read details and brochures.  

Guarantee Trust Life Insurance Company

(Assure-Care Series) PPO, Major Medical Insurance

Advantage P.P.O. Major Medical Health Insurance policies

are underwritten by Guarantee Trust Life  Insurance

Company, Glenview, Illinois (www.gtlic.com) licensed

in 49 states.

Founded in 1936.  The "Advantage" Major Medical Health

Insurance P.P.O. policy provides $1,000 to $2,500 deductible

plans with $25 unlimited doctor co pays without first paying the

hospital deductible. 80/20, 75/25, and 50/50 co-insurance plans

are available. R/X cards are included with $15 co pays for generic

and $30 co pays for formulary brand name prescription drugs,

with a NO deductible first. Routine Physical Exams are covered

after 90 days of policy ownership on a first dollar basis up to

$150 per examination.

The exam includes coverage for lab tests (blood/urine) associated

with the same routine physical exam. No co pay is required. Benefits

will be paid at the same co-insurance level you chose for your health

plan. Mammograms Pap Smears, Prostate Cancer Screening tests

as well as Colorectal cancer screenings are also covered from day

one with no deductible required first with the "Enhanced Routine

Preventative Care" benefit selected. 4th Quarter Deductible

Carry over is also included with the plan as well as an Accident

Medical Expense plan equal to whatever calendar year health

plan deductible you choose. For more details click on the blue

hyperlink above.  

American Community Medalist 2 Gold (Plan 1)

Silver (Plan 2) & Bronze (Plan 3)Comprehensive Major

Medical Health Insurance Plans.

The Medalist 2 plans are available through American Community

Mutual Insurance Company www.american-community.com

American Community Mutual provides high and low deductible

health plans with $30 outpatient doctor office visit co pays. The

outpatient co pays are covered on a first dollar basis with no

deductible to be paid first.

Unlike any other individual health insurance product on the

market today, the Medalist 2 plans include a $1,000 annual

Preventative Care benefit per insured. This Preventative

Care benefit covers Immunizations, Routine Physical Exams,

PSA testing, Routine Mammograms, Pap Smears and Colorectal

Cancer screenings. These charges would also be covered on a

first dollar basis with no deductible to be paid first. An outpatient

co pay prescription card with NO deductible is also included with

the Medalist 2 Gold plan. You will pay only 20% of the Generic

prescription cost and 30% of the formulary brand name

prescription cost. For more about the Medalist 2 plans click the

blue American Community link above.  

Blue Cross Blue Shield of Illinois -

Small Group P.P.O. Health Insurance Plans

          Today 1 American in 4 carries a Blue Cross and Blue Shield 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 health care value

          for their premium dollar. Blue Cross and Blue Shield of Illinois

United Health Care Individual Health Insurance Plans

Underwritten by GOLDEN RULE Insurance Co.

Golden Rule Insurance Company is the underwriter and

administrator of these plans. Golden Rule merged with United

Healthcare in 2003, and has served individuals and families

with health insurance solutions for over 60 years. This experience

and knowledge is reflected in high quality products, timely

claims handling, and outstanding customer service. To find

out more about their new series of individual major medical

health insurance plans click the blue United Health Care

hyperlink above.

What are H.S.A.'s and H.D.H.P.'s and how can they

save you money and boost your retirement?

 The acronym "H.S.A" is being tossed around quite a bit

nowadays especially since the tax advantages of owning an

H.S.A. and a corresponding qualified H.D.H.P (High Deductible

Health Plan) have been significantly increased under the Bush

administration. H.S.A. stands for Health Savings Account.

Health Savings Accounts are a unique way to attractively

manage your health insurance costs. They were originally 

named M.S.A's or Medical Savings Accounts designed by

Senator Bill Archer (R) of Texas. Click the blue link H.S.A.

link above for more details about H.S.A. qualified H.D.H.P.'s.

Assurant Health Max Plan & Core Med Major Medical

P.P.O.Plans & H.S.A. Qualified Major Medical Plans

 Assurant Health Plans www.assuranthealth.com (formerly Fortis Health)

www.fortis.com provide high and low deductible plans with $35

unlimited & limited doctor co pays without first paying the hospital

deductible. 100%, 80/20, and 50/50 co-insurance plans are

available. R/X cards are optional with a $15  co pay for generic

prescription drugs with no yearly deductible and $25 copay for

brand name drugs after once a year $500 deductible has been

satisfied. Well care is included immediately with a $750 per person

allowance yearly (the highest in the industry). $500 well care benefit

on the Max plan after 12 months of continuous coverage.

Click the blue Assurant Health link above for more.

Fidelity Security Complete Care Co pay Choice

Major Medical Health Insurance Plan

  Complete Care policies are administered by I.A.C. Insurers

Administrative Corporation, Inc. Complete Care Personal

Health Plans provide high and low deductible plans with $35

unlimited doctor copays without first paying the hospital deductible.

With 80/20 and 70/30 co-insurance plans available, discount

drug cards are included at no additional cost. COPAY R/X cards

are optional with a $15 copay for generic prescriptions drugs

with no yearly deductible first, and $30 copays for brand name,

with a separate $250 yearly deductible paid first. A $250 well

care benefit per insured is included immediately including yearly

mammograms;  you pay only your copay.

 Guarantee Issue Limited Benefit Medical

Insurance Plans, Click on Logo:

My Financial Services

Privacy Policy

Don Loper

Toll Free 1-866-636-7614

E-Mail:  dloper@cfiemail.com

Office of Supervisory Jurisdiction:  Centaurus Financial., 110 Schiller Street, Suite 210, Elmhurst, IL. 60126

Phone 1-(630) 530-0345.

Securities offered through: Centaurus Financial, Inc., 333 City Blvd  West, Suite 2010, Orange, CA 92868, Member SIPC & FINRA (Previously NASD)
Phone 1-(714)456-0852, http://www.centaurusfinancial.com

Securities offered through Centaurus Financial, Inc., a registered broker/dealer and a

member of FINRA & SIPC. This is not an offer to sell securities, which may be done only after proper

delivery of a prospectus and client suitability has been reviewed and determined.