Find the Perfect Fit: We Offer a Full Suite of Life, Health, & Employee Benefit Plans for Your Illinois Business

Employee Benefits

Northern Insurance Service, Ltd is an independent agent and as such, we are free to market your coverage to all our carriers. We work for YOU to find the programs that fit the needs of you and your staff whether you are a small or large business. From initial analysis of your needs, and doing our due diligence of marketing; to implementation and holding employee enrollment meetings, our experienced staff will be there for you through the entire process

Once your programs are in place, we will work with company representatives directly to ensure your programs run well, including additions, deletions of employees, and resolution of any claim or billing problems that may occur

Healthcare benefits are continually changing and we will be on top of those changes, keeping you informed all the way

Group Medical—Fully Insured and Self-funded (Partial and Full)

Companies we represent include

• Aetna
• Assurant Employee Benefits (Sun Life)
• BlueCross BlueShield
• Health Alliance
• Humana
• United Healthcare
• Small Business Health Option Program (SHOP Marketplace)
  • Must have fewer than 50 employees (Illinois)
  • Must have employees in the state where applying
  • All full-time employees must be offered coverage
  • Employer must have at least 1 employee who isn’t an owner or business partner, or the spouse of a business owner or partner
  • For further information on SHOP, please see www.healthcare.gov/small-business-tax-credit-calculator/

Group Dental, Life/AD&D, Supplemental Life/AD&D, Work-Site and Vision Programs, Employee Assistance Programs; Executive Life/AD&D and Disability Programs

We represent all of the companies listed above under Group Medical, plus:

Other programs we can you assist you with include: ERISA Wrap’s/ CAFETERIA Section 125/ COBRA Administration / FSA & MSA Administration / Wellness program design and administration / Employee Assistance (EAPs).

To obtain a quotation on any of the above, please complete the following form:

Individual Programs

Individual Health

For general information on the Individual Marketplace/Exchange or the Affordable Care Act healthcare programs, please call Northern Insurance or visit www.healthcare.gov.

Check for:

• Enrollment dates and qualifications
• Tax credits
• Special enrollment periods which can include
  • Moving that affects current coverage (like change of residence county)
  • Child support orders / death of enrollee with dependents
  • Death
  • Coverage expiring in non-calendar year group of individual plans
  • Birth or adoption of a child
  • Loss of group coverage
  • Loss of dependent status (at age 26)

Major Medical carriers we represent:

As an important reminder, when making any application on the Marketplace, you must report any life changes at www.healthcare.gov/reporting-changes. Sample changes that need to be reported are:

• Changes to income
• Change of address
• Marriage or divorce

A complete list of changes needing to be reported can be found at www.healthcare.gov. Life changes can be reported to the Marketplace in one of three ways: online, by phone, or in person. It is important that clients keep their profile up to date on the Marketplace to avoid any issues with their coverage, especially if they are receiving subsidies on their plans.

Individual Dental & Vision

Providers include:

Individual Life and Disability

Some of the companies we represent include:

To obtain a quotation/proposal for any of the above services, please complete the following form:

Medicare Supplements, MedicareRx (PDP) and Medicare Advantage Plans

Please contact Northern Insurance for enrollment criteria or visit www.medicare.gov. Providers include:

• Aetna (Medicare Supplement Only)
• BlueCross BlueShield of Illinois (all Medicare products)
• Humana (Medicare Supplement only)

Short Term Medical (Not ACA Qualified)

Short term medical insurance is available anytime and does not provide coverage for any pre-existing conditions. Providers include:

For general information on the Individual Marketplace/Exchange on the Affordable Care Act healthcare programs, and to see if you are eligible for a tax credit, please see www.healthcare.gov.

We are certified for the Marketplace and are here to assist you.