Insurance Company

At Insurance Company, we believe that consumer choice and customer satisfaction go hand in hand. We share these beliefs with our parent company, Health Markets. We are proud to offer some of the most flexible and advanced coverage options in the health insurance industry today. MEGA is proud to offer a range of health insurance products from indemnity plans to catastrophic plans. If you select one of our more benefit rich plans, you will lower your out-of-pocket expenses even more. We also offer a range of optional rider and supplemental coverage such as dental, vision, life and disability insurance, as well as prescription drug coverage. We believe these plans offer value and represent the greatest flexibility for individuals, the self-employed and small business owners.

Our company is committed to customer satisfaction and has policies and procedures in place to ensure quality customer care. Specifically: We annually train and test all our agents to make sure they understand our products and explain them properly. In some states our agent training program qualifies for the Continuing Education credits required of all insurance agents. When our customers purchase scheduled plans, we contact them to make sure selected benefit options and payment methods are fully understood. Since 2005, we have made approximately 160,000 calls nationwide for this purpose. This allows us the opportunity to fully explain selected plan benefits and answer questions for our customers, and allows them the opportunity to change or cancel coverage.

At The MEGA Life and Health Insurance Company, we strive to offer our customers the best balance possible between cost and coverage. Here are some benefits offered by The MEGA Life and Health Insurance Company to help our customers maximize their health insurance benefits: Flexible Plan Designs We help customize each plan to meet our customers’ specific needs and budget Hospital Bill Review We will automatically audit our customers' hospital bills for errors and overcharges to help reduce out-of-pocket expenses when they exceed $10,000. Maximum Savings Benefit - MEGA will submit all claims for covered expenses to a network for re-pricing to help you maximize your savings. Future Portability - You can "take your plan with you" if you move or change jobs. Family Continuation Benefit- If the primary insured dies, family coverage is continued without proving insurability and premiums are waived for one full year2. Our Company Pays Claims Based on Usual and Customary Charges We do not determine what is 'reasonable'. No Pre-admission Authorization or Referral Requirements. Freedom to Choose any Doctor or Hospital.

An insurance visionary who believed that individuals, the self-employed and small businesses are entitled to high quality, affordable health insurance. We have followed this philosophy ever since, specializing in the insurance needs of these unique groups nationwide. MEGA Life and Health began in 1981 in order to provide health insurance to the self-employed, individuals, small businesses, and students. Today, this wholly owned subsidiary of Health markets, offers health insurance in Illinois. MEGA Life and Health works diligently to provide a full range of low cost health insurance benefits to small employer groups, families, and individuals. Through the innovative use of modern technology, this company has been able to control costs for its members as it gives exceptional customer service. Through member education, Mega Life & Health creates an educated healthcare consumer capable of making wise, economical healthcare choices.

The MEGA Life and Health insurance plans are individually designed for businesses and their employees, in order to best meet the needs of Illinois residents. MEGA Life offers flexible plans and the preventive care that is so important to families with young children. Custom-designed tools for tracking costs allow patients to make wise decisions about which network providers to utilize for each procedure. The following concepts are unique features of the MEGA Life and Health insurance policies: The Maximum Allowable Charge is the most the plan will pay for a specified procedure. The patient knows up front that this MAC is the most the plan will pay and that any further costs will be paid by the patient. The Star well benefit is a special form of Health Savings Account HSA that rolls over to the next year if there is money left over. Unique to this plan, there is no deductible or co pay at the start of the year. If the money saved in the HSA for that calendar year is used up, then the insured pays a deductible and co pays for the remainder of the year.