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847-559-8100

Last Updated
Thursday, August 05, 1999 

Insurance 101

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Buying insurance can be complicated.  Castle Group Health can help by reviewing your needs and recommending a policy, but there is no substitute for understanding the factors that affect your health insurance.

In this section, we provide overviews and explanations of the most common insurance questions:  The column to your left, has in order of importance, things that we believe a well educated consumer should know.

 Most of the articles are geared towards the individual and famlily policies. Employer plans are indvidualistic in nature with unique different challenges and properties.

Our Goal

Castle Group Health is dedicated to providing you with the best information available to help you find a good health insurance value.

We don't want to sell you insurance, we want to educate you so that you can make an informed choice. We hope that you will choose us to represent you.

10/20/98 - Congress accelerates write off for health insurance.  Click here for more.

In this Section

  • Glossary of Basic Terms-   Just in case our lingo gets a little deep.
  • The Basics of Buying Insurance - A 90 second guide to types of policies and buying breifs.
  • Viagra-
  • What is a Pre-Existing Condition and how does it affect me?-They still exist. Find out before you buy.
  • What is a Medical Savings Account?-  If you are self-employed, in excellent health, and have a family, you should, at a minimum be aware of these plans. (subsections with Q&A)
  • HMO’s-  great values, much maligned, very confusing.  Learn if they are right for you.
  • What are Association Based Policies? - You get the phone calls. They come to you. Find out why you shouldn’t have them.
  • Fertility coverage - There are lots of ways for insurers to not cover fertility. Individual plans do not cover fertility.  Find out in what cases you might have it covered with an employer.
  • Health reform.-  Looking for details on 1996-7 health reform, find lots of it here.
  • We also recognize that it can be hard keeping up with all the news that affects you and your insurance coverage, so watch here for regular updates on the industry and the policy reform that affects it.
  • Click here for an article on Why you should not support most health reform legislation.

If you still need more information, check out our list of off-site web resources

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