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 Health 

We can help you navigate all these changes and how they impact your family or your business. We will show you how to get the most comprehensive protection, tailored to your specific needs at the most competitive price.

What kinds of health insurance are there?
There are essentially two kinds of heath insurance -- Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

Fee-for-Service.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.

Managed Care.
More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

How do I pick a health plan?
If your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health insurance choices and pick the insurance that is best for you and your family.

Here are some questions you should ask yourself when choosing a health insurance plan:

  • How affordable is the cost of care?
  • What is the monthly premium I will have to pay?
  • Should I try to insure most of my medical expenses or just the large ones?
  • What deductibles will I have to pay out-of-pocket before insurance starts to reimburse me?
  • After I’ve met my deductible, what percentage of my medical expenses are reimbursed?
  • How much less am I reimbursed if I use doctors outside the insurance company’s network?
  • Does the insurance plan cover the services I am likely to use?
  • Are the doctors, hospitals, laboratories and other medical providers that I use in the insurance company’s network?
  • If I want to use a doctor outside the network, will the plan permit it?
  • How easily can I change primary-care physicians if I want to?
  • Do I need to get permission before I see a medical specialist?
  • What are the procedures for getting care and being reimbursed in an emergency situation, both at home or out of town?
  • If I have a preexisting medical condition, will the plan cover it?
  • If I have a chronic condition such as asthma, cancer, AIDS or alcoholism, how will the plan treat it?
  • Are the prescription medicines that I use covered by the plan?
  • Does the plan reimburse alternative medical therapies such as acupuncture or chiropractic treatment?
  • Does the plan cover the costs of delivering a baby?

What is the quality of the insurance plan I’m looking at?

  • How have independent government and non-government organizations rated the plan? For example, the National Committee for Quality Assurance ( http://www.ncqa.org ) issues a Consumer Assessment of Health Plans (CAHPS) report for every medical plan and facility.
  • What kind of accreditation has the plan received from groups such as NCQA or the Joint Commission on Accreditation of Healthcare Organizations (JCAHO) ( http://www.jcaho.org )?
  • How many patient complaints were filed against the plan last year and how many were upheld by state regulatory agencies like the state insurance commission or the state medical licensing board?
  • How many members drop out of the plan each year? State insurance departments keep track of "disenrollment rates".
  • Do the doctors, pharmacies and other services in the plans offer convenient times and locations?
  • Does the plan pay for preventive health care such as diet and exercise advice, immunizations and health screenings?
  • What do my friends and colleagues say about their experiences with the plan?
  • What does my doctor say about his or her experience with the plan?

We are here to assist you in finding a plan that protects your family while staying within your budget. Please contact us today to help evaluate your health insurance options.

With Permission © Insurance Information Institute, Inc. - ALL RIGHTS RESERVED -

Client Testimonials 

“Dan Lorimer and the JKM team have been tremendous to work with over the past 16 years. Not only did Dan help to identify the best mortgage rates available over time, but he and his team were also diligent in providing thorough information for our auto and home insurance options. “
- Alice J., Des Plaines, IL

“JKM's hands-on approach, knowledge, and attention to their customers' needs is truly best in the industry. We have been extremely happy with the services provided by JKM and know that Dan always has our best interests in mind regarding good, quality insurance coverage and home mortgage expertise.”
- Sheila C., Des Plaines, IL

"Dan at JKM services makes selecting insurance coverage simple. We use JKM at the start up non-profit my wife works for, as well as at the small business I help run. I was so satisfied with the services and care that was received, that I also changed over all personal coverages to JKM! Unlike other companies, with Dan and JKM, I never feel like I am being "sold" something, and I know my best interest is always in mind."
-Jordan B., Oak Park, IL

"Dan at JKM Services is of great value to me and to anybody I have referred to him.  Since about 1995, Dan has assisted me [with minimum hassle] with a few refinances, my will/trust, I insure my home and auto through him, as does my daughter.  And for my business, he has arranged our health insurance for us. He has also referred me to an accountant which I count on heavily during tax season.”
-Hope D., Morris, IL

“I have recently refinanced my home using JKM services. I am very pleased I had Daniel J Lorimer to get the job done. My brother had recommended Dan. Both my brother and I were very satisfied. If needed I would use their services again.”
- John R., Bridgeview, IL

“I highly recommend JKM Services, Dan has help us with Home, Auto, and now Health Insurance needs. Dan goes that extra mile to make sure he can provide you with all the information you need to know in order to make important decisions with your insurance needs.”
- Larry F., Lombard, IL

“My family has been a client of Dan Lorimer and JKM Services for over 20‐years. Dan always has our best interest first and is always extremely prompt for any wishes we may have with our insurance needs. We have all our autos, homes and umbrella insured with Dan and wouldn’t have it any other way.”
- Len T., Carol Stream, IL

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