Medicare Insurance Consultant in Evanston, IL
Leading Light Insurance Consultants
Welcome to Leading Light Insurance Consultants in Evanston, IL! We specialize in helping seniors navigate Medicare and other insurance options with ease and confidence. Whether you’re just turning 65 or reassessing your current coverage, we’re here to make the process simple, stress-free, and personalized to your unique needs. Our locally focused services ensure that you’re getting the best possible advice right here in Evanston.
Hours of Operation:
Monday to Friday: 9:00 AM - 5:00 PM
Saturday: 10:00 AM - 2:00 PM
Sunday: Closed
How to Reach Us:
Phone: (708) 905-9603
Email: [email protected]
Location: Serving Evanston, IL, and surrounding areas
Feel free to give us a call or send us an email for a free consultation or any insurance questions. We're here to help you every step of the way!
Service Locations
Oak Park, IL / Des Plaines, IL / Forest Park, IL / Evanston, IL / Berwyn, IL / Cicero, IL / Maywood, IL / Chicago, IL (surrounding neighborhoods)
A Simple Process for Stress-Free Insurance
We understand that insurance can be complex, but it shouldn’t be. When you partner with us, you can anticipate straightforward communication, trustworthy guidance, and an effortless experience. Additionally, our services are completely free for you. We receive compensation from the insurance companies, so you incur no charges for our professional advice.
How We Help:
Free Consultation: We start with a no-pressure conversation to understand your needs.
Plan Comparison: We research and compare the best options available to you in Evanston.
Expert Advice: We explain the pros and cons of each plan, so you can make an informed decision.
Ongoing Care: We’ll check in with you regularly to make sure your plan continues to meet your needs.
What Our Clients Are Saying
What Our Clients Are Saying
Why Choose Leading Light Insurance Consultants?
Finding the right Medicare or health insurance plan can feel overwhelming. That’s where we come in! At Leading Light, we’re dedicated to providing straightforward, honest advice tailored specifically to you. We understand that each person's healthcare needs are different, so we take the time to listen and offer solutions that make sense for your situation.
We’re local, which means we know Evanston inside and out. This allows us to offer advice that's not only relevant but also personalized to the healthcare providers and networks in your area. Our goal is to take the confusion out of insurance, so you can focus on enjoying the things you love most in life—like spending time with family, exploring Evanston’s beautiful lakefront, or simply relaxing with peace of mind.
Medicare Plans: Personalized to Fit Your Life
When it comes to Medicare, you’ve got options. But how do you know which one is right for you? That’s where we step in. Our team will walk you through all the different types of Medicare plans available, including:
Medicare Advantage Plans: These plans, also known as Medicare Part C, provide all the benefits of Original Medicare, plus additional perks like vision, dental, and prescription drug coverage. We’ll help you compare various Medicare Advantage options to find the one that gives you the coverage you need at a price you can afford.
Medicare Supplement (Medigap) Plans: If you’re looking for more flexibility and coverage for out-of-pocket costs, Medigap might be the right fit. These plans cover expenses like copayments, deductibles, and coinsurance, providing added peace of mind.
Medicare Part D (Prescription Drug Coverage): Prescription costs can add up, and Part D plans can help cover those costs. We’ll help you evaluate different Part D plans to ensure you’re covered for the medications you need.
Life Insurance: Protect What Matters Most
Planning for the future is important, and life insurance can help you protect your loved ones financially. Whether you're looking to cover final expenses, provide income replacement for a spouse, or leave a legacy for your children or grandchildren, we offer a variety of life insurance options to fit your needs.
At Leading Light, we help find the right insurance:
Term Life Insurance: Coverage for a set period, perfect if you need protection for specific life stages.
Whole Life Insurance: Lifetime coverage with the added benefit of accumulating cash value.
Health Insurance: Covering All Your Needs
Health insurance is vital, especially as we age. Medical costs can be unpredictable, but the right health insurance can give you peace of mind. We offer health insurance options beyond Medicare, including supplemental policies to fill any coverage gaps. Whether you're looking for coverage for hospital visits, specialist care, or simply want the reassurance that unexpected medical bills won't derail your finances, we've got you covered.
Medicare Consultant Near me Evanston
Looking for Medicare help near you in Evanston, IL? Leading Light Insurance Consultants is your local expert for personalized insurance solutions. We offer guidance on Medicare Advantage, Supplements, and Prescription Drug Plans tailored to your healthcare needs. With our knowledge of the Evanston area, we provide clear advice on finding local providers and the best coverage. Whether you’re just turning 65 or reviewing your current plan, we’re nearby and ready to help you get the coverage you deserve.
Get expert, local help today!
OUR SERVICES
Medicare Advantage Plans
Medicare Advantage Plans, also known as Medicare Part C, offer an alternative to Original Medicare by providing all your Part A and Part B coverage through private insurance companies. These plans often include additional benefits like dental, vision, and hearing coverage, and many come with low or even $0 monthly premiums. However, it's essential to understand that these plans come with network restrictions and potential out-of-pocket costs, such as co-pays and deductibles.
When considering a Medicare Advantage Plan, it's crucial to evaluate:
Provider Networks: Ensure your preferred doctors and hospitals are included in the plan's network.
Out-of-Pocket Costs: Understand the maximum out-of-pocket limits, which can help protect you from significant financial risks.
Additional Benefits: Compare the extra benefits offered by different plans to find the best match for your healthcare needs.
Medicare Supplements
Medicare Supplements, or Medigap plans, are designed to cover the out-of-pocket costs that Original Medicare doesn't, such as co-pays, coinsurance, and deductibles. These plans provide peace of mind by limiting your financial exposure and allowing you to see any doctor that accepts Medicare, without the need for referrals or network restrictions.
Key advantages of Medicare Supplement plans include:
Comprehensive Coverage: Minimize your out-of-pocket expenses by covering gaps left by Original Medicare.
Flexibility: Freedom to choose any healthcare provider that accepts Medicare.
Standardized Benefits: Guaranteed coverage consistency, as benefits are standardized by the government across all insurance companies.
Life Insurance
Life insurance is a crucial component of a comprehensive financial plan, providing financial security for your loved ones in the event of your passing. At Leading Light Insurance Consultants, we offer a variety of life insurance policies tailored to meet your unique needs, including term life, whole life, and universal life insurance.
When choosing a life insurance policy, consider the following:
Coverage Amount: Determine how much coverage you need to support your family's financial needs.
Policy Type: Understand the differences between term, whole, and universal life insurance to choose the best option for your situation.
Affordability: Find a policy that fits within your budget without compromising on the necessary coverage.
Health Insurance
Health insurance is vital for protecting yourself against unexpected medical expenses and ensuring access to necessary healthcare services. Whether you need coverage for yourself or your entire family, we offer a range of health insurance plans designed to meet various needs and budgets.
Important factors to consider when selecting a health insurance plan include:
Premiums: Balance the monthly premium costs with the benefits provided by the plan.
Coverage Options: Ensure the plan covers essential health benefits and any specific services you may require.
Network Providers: Check if your preferred doctors and healthcare facilities are included in the plan's network.
OUR SERVICES
Medicare Advantage Plans
Medicare Advantage Plans, also known as Medicare Part C, offer an alternative to Original Medicare by providing all your Part A and Part B coverage through private insurance companies. These plans often include additional benefits like dental, vision, and hearing coverage, and many come with low or even $0 monthly premiums. However, it's essential to understand that these plans come with network restrictions and potential out-of-pocket costs, such as co-pays and deductibles.
When considering a Medicare Advantage Plan, it's crucial to evaluate:
Provider Networks: Ensure your preferred doctors and hospitals are included in the plan's network.
Out-of-Pocket Costs: Understand the maximum out-of-pocket limits, which can help protect you from significant financial risks.
Additional Benefits: Compare the extra benefits offered by different plans to find the best match for your healthcare needs.
Medicare Supplements
Medicare Supplements, or Medigap plans, are designed to cover the out-of-pocket costs that Original Medicare doesn't, such as co-pays, coinsurance, and deductibles. These plans provide peace of mind by limiting your financial exposure and allowing you to see any doctor that accepts Medicare, without the need for referrals or network restrictions.
Key advantages of Medicare Supplement plans include:
Comprehensive Coverage: Minimize your out-of-pocket expenses by covering gaps left by Original Medicare.
Flexibility: Freedom to choose any healthcare provider that accepts Medicare.
Standardized Benefits: Guaranteed coverage consistency, as benefits are standardized by the government across all insurance companies.
Life Insurance
Life insurance is a crucial component of a comprehensive financial plan, providing financial security for your loved ones in the event of your passing. At Leading Light Insurance Consultants, we offer a variety of life insurance policies tailored to meet your unique needs, including term life, whole life, and universal life insurance.
When choosing a life insurance policy, consider the following:
Coverage Amount: Determine how much coverage you need to support your family's financial needs.
Policy Type: Understand the differences between term, whole, and universal life insurance to choose the best option for your situation.
Affordability: Find a policy that fits within your budget without compromising on the necessary coverage.
Health Insurance
Health insurance is vital for protecting yourself against unexpected medical expenses and ensuring access to necessary healthcare services. Whether you need coverage for yourself or your entire family, we offer a range of health insurance plans designed to meet various needs and budgets.
Important factors to consider when selecting a health insurance plan include:
Premiums: Balance the monthly premium costs with the benefits provided by the plan.
Coverage Options: Ensure the plan covers essential health benefits and any specific services you may require.
Network Providers: Check if your preferred doctors and healthcare facilities are included in the plan's network.
Choosing the Right Medicare Plan
Once you sign up for Medicare Part B, you have three main options to consider:
Option 1: Original Medicare with Prescription Drug Coverage
You can choose to keep Original Medicare (Part A and Part B) and add prescription drug coverage through a Medicare Part D plan. However, relying solely on Original Medicare can leave you exposed to high out-of-pocket costs, as there are no maximum out-of-pocket limits on your financial risk.
Option 2: Medicare Advantage Plan
Medicare Advantage Plans (Part C) offer an alternative to Original Medicare. These plans are provided by private insurance companies and must follow Medicare rules. They often include additional benefits such as vision, dental, and hearing coverage.
Key Features of Medicare Advantage Plans
Network Restrictions: You may need to use doctors and hospitals within the plan’s network.
Out-of-Pocket Limits: Medicare Advantage Plans have a maximum out-of-pocket limit, protecting you from catastrophic healthcare expenses.
Low or No Premiums: Many Medicare Advantage Plans have low or no monthly premiums in addition to the Part B premium.
Option 3: Original Medicare with a Medicare Supplement Plan
A Medicare Supplement Plan (Medigap) works alongside Original Medicare to cover out-of-pocket costs like copayments, coinsurance, and deductibles. This option provides more predictable costs and broader access to healthcare providers.
Key Features of Medicare Supplement Plans
Standardized Benefits: Benefits are standardized by the government, meaning Plan G from one insurer offers the same coverage as Plan G from another.
Predictable Costs: Medigap plans help limit your out-of-pocket expenses, providing financial peace of mind.
No Network Restrictions: You can see any doctor who accepts Medicare, giving you flexibility and choice in your healthcare providers.
Benefits of Choosing Leading Light Insurance
Picking the right insurance shields you from those surprise expenses and gives you a sense of security. Here’s why working with us is a great choice:
Complete Coverage: From Medicare to health and life insurance, we’ve got you covered with all the essentials.
Local Know-How: We know Evanston and the Chicago area like the back of our hand, giving you advice that actually works for you.
Always Here for You: We don’t just help you sign up; we’re here to support you for the long haul.
Tailored Service: We know everyone’s situation is different, so we’ll make sure your coverage fits you perfectly.
Save Money: Since we're independent, we shop around to find the best deals that save you money!
Things to Do in Evanston, IL
While you're visiting us in Evanston for your consultation, why not explore some of the local attractions? Here are a few must-see spots:
Built in 1873, this iconic lighthouse is a national historic landmark that offers stunning views of Lake Michigan. Take a guided tour to learn about its history and climb the tower for panoramic lakefront vistas. The surrounding gardens are perfect for a peaceful stroll.
Situated on Northwestern University’s campus, this museum showcases rotating exhibitions of modern, contemporary, and global art. In addition to its galleries, it offers film screenings, public lectures, and educational programs, making it a cultural hub in Evanston. It’s a great spot to explore both local and international art in an engaging, thoughtful setting.
Downtown Evanston is a vibrant area full of charming boutiques, eclectic restaurants, and cozy cafes. It’s the perfect place for a leisurely afternoon stroll, grabbing a cup of coffee, or indulging in delicious local cuisine. Be sure to check out the seasonal farmer’s market and various events throughout the year, such as street festivals and art fairs.
Known for its artisan bread, Hewn Bakery is a community favorite. Their breads are made from locally sourced, organic ingredients and baked fresh daily. In addition to bread, they offer a variety of sweet and savory pastries that are a must-try for anyone visiting Evanston. Grab a coffee, sit in the cozy shop, and enjoy some of the best bakery offerings in town!
Why Evanston Trust Us
Evanston is a vibrant community known for its diversity, beautiful lakefront, and strong sense of local pride. At Leading Light, we share that sense of community. We’ve helped countless seniors in the area make sense of their insurance options, and we take pride in being a trusted resource for local residents. Here’s why seniors in Evanston choose us:
Personalized Service: We take the time to get to know you and understand your unique needs. This isn’t a one-size-fits-all approach; it’s tailored advice to ensure you get the coverage that fits your life.
Local Expertise: As a local business, we understand the healthcare providers, networks, and insurance plans that serve the Evanston community. This local knowledge allows us to offer advice that’s truly relevant to you.
Ongoing Support: Insurance needs change over time, and we’re here to help you review your coverage annually to make sure it still fits your needs. We’re not just here to sell you a plan—we’re here to be your lifelong insurance partner.
Get Started Today!
Ready to simplify your insurance? Whether you're new to Medicare or just want to review your current coverage, we’re here to help. Contact Leading Light Insurance Consultants in Evanston today to schedule your free consultation.
Let us take the stress out of insurance so you can focus on what truly matters—enjoying your life in this beautiful community.
Common Questions and Concerns
What is the difference between term and whole life insurance?
Term life insurance provides coverage for a specific period, while whole life insurance offers lifelong coverage with the added benefit of building cash value. Term policies are generally more affordable, whereas whole life policies are more expensive but offer investment opportunities and permanent coverage.
How much life insurance coverage do I need?
The amount of coverage you need depends on various factors, including your financial obligations, income, debts, and future goals. Our consultants can help you evaluate your needs and recommend the appropriate coverage amount.
Can I change my life insurance policy later?
Yes, certain types of life insurance, like universal life insurance, offer flexibility to adjust coverage and premiums as your financial situation changes. It's essential to review your policy regularly to ensure it still meets your needs.
What factors affect life insurance premiums?
Life insurance premiums are influenced by factors such as age, health, lifestyle, and the type of policy you choose. Our team can help you understand how these factors impact your premiums and find ways to secure the best rates.
Is life insurance necessary if I have no dependents?
Life insurance can still be valuable even if you have no dependents, as it can cover end-of-life expenses, pay off debts, and leave a legacy. Additionally, purchasing a policy when you are young and healthy can secure lower premiums for future coverage needs.
Email: [email protected]
Phone: (708) 905-9603
Address Office: 4036 South Oakenwald Avenue, Chicago IL 60653
