SafePol

• Family-run, independent insurance agency.
• Specializes in life, health and Medicare insurance.
• Works as a licensed insurance broker, offering plans from many different insurance companies.

Where we are licensed

We sell insurance products in:

• Illinois
• Michigan
• Pennsylvania
• New Jersey
• Florida

How we work for clients

• As brokers, we work for you, not for the insurance companies.
• We help you compare plans and choose coverage that fits your needs and budget.
• We assist with applications and paperwork for your insurance plans.
• We are available to help with claims, billing and other policy questions during the life of your policy.

Our mission

Our goal is to help you find an insurance plan that best fits your individual or family needs and budget.

Why choose SafePol

• Guidance on life, health and Medicare insurance options.
• Help understanding complex topics such as Obamacare, Medicare and subsidies.
• Support in Polish is available ("Po polsku"), as well as in English.

Service fees

• Our service is free to you.
• We do not charge any fees before or after you purchase an insurance policy with us.

Email

• General inquiries: insurance@safepol.com

Office address

• 4738 N Harlem Ave, Ste 1J

Harwood Heights, IL 60706 United States

Visits to the office are by appointment only.

Languages

• Service available in English.
• Service also available in Polish ("Po polsku").

How to get quotes

• Call the office to speak with a licensed insurance broker.
• You can also request insurance quotes online using the "Get Your Quotes" options on the SafePol website.

You can speak with a licensed insurance broker or request health insurance quotes online.

Types of health insurance plans

Obamacare (ACA) health insurance

• Individual and family health plans with government subsidy (Premium Tax Credit).
• Subsidy eligibility is mostly based on your household size and income.
• Subsidies can lower your monthly premium.

Private health insurance (off-exchange)

• Health plans without a government premium tax credit.
• No need to provide income information for subsidy purposes.

Short-term health insurance

• Health insurance plans for a limited time period.
• Coverage may be denied due to some pre-existing conditions.

Open enrollment and timing

• Health insurance generally must be purchased or changed during specific Open Enrollment periods or after qualifying life events.
• SafePol can explain current enrollment windows and options based on your situation.

What ACA health plans typically cover

New ACA-compliant plans are required to cover 10 Essential Health Benefits, including:

• Ambulatory (outpatient) services
• Emergency services
• Hospitalization
• Maternity and newborn care
• Mental health and substance use disorder services, including behavioral health treatment
• Prescription drugs
• Rehabilitative and habilitative services and devices
• Laboratory services
• Preventive and wellness services and chronic disease management
• Pediatric services, including oral and vision care

Help with subsidies

SafePol can explain available health insurance subsidies, including:

• Premium Tax Credit (to help lower monthly premiums)
• Cost-Sharing Reductions (for eligible plans)

Exact eligibility depends on current laws, your household income and family size. For up-to-date details, SafePol will review your situation with you.

Doctors, medications and claims

Finding a doctor in your plan

• Before choosing a health insurance plan, it is important to make sure your preferred doctor or clinic is in the plan's network.
• SafePol can help you check provider networks for specific plans.

Checking medication coverage

• Different health plans pay for prescription drugs in different ways.
• Some plans use fixed copayments; others may require you to pay full price until you meet your deductible.
• SafePol can help you review formularies and how your medications are covered.

Help with claims

• If you have difficulty understanding health insurance claim forms or are unsure whether a claim was paid correctly, SafePol can help you review and understand your claim information.

How to get health insurance help

• Call SafePol to speak with a licensed health insurance broker.
• Request quotes or more information using the online quote tools on the SafePol website.

You can speak with a licensed insurance broker or request life insurance quotes online.

Types of life insurance available

Simple term life insurance

• Provides coverage for a fixed period (for example, 10 to 30 years).
• Generally designed to pay a death benefit to your beneficiaries if you pass away during the term.

Term life with living benefits

• Includes traditional death benefit protection for beneficiaries.
• Can also provide benefits to the insured person in certain situations, such as specified critical illnesses (for example, heart attack, stroke, some cancers), depending on the policy.

Term life with return of premium

• Provides term life coverage.
• If you keep the policy in force for the entire term, the premiums paid may be returned to you, according to the policy terms.

Permanent life insurance

• Can remain in force as long as required premiums are paid.
• May build cash value over time that can be accessed in specific ways defined by the policy.

Examples of how life insurance can help

Depending on the policy, life insurance can:

• Help protect your mortgage or rent payments for your family.
• Provide funds if you are diagnosed with certain covered medical conditions (living benefits), depending on the policy.
• Help fund children's or grandchildren's college education.
• Build savings or supplemental retirement income when a policy has cash value features.
• Help cover final expenses and funeral costs.
• Provide disability income benefits with certain riders or policies.

Not all features are available on every policy. Exact options depend on the insurance company and product selected.

How to get life insurance help

• Call SafePol to discuss your life insurance needs with a licensed broker.
• Request quotes via the "Get Your Quotes" options on the SafePol website.

You can speak with a licensed insurance broker to learn more or to buy a Medicare insurance plan.

Types of Medicare-related plans

Medicare Advantage (Part C)

• Combines Hospital (Part A), Medical (Part B) and often Prescription Drug (Part D) coverage into one plan.
• Plans may include extra benefits such as hearing, vision or fitness benefits, depending on the plan.

Medicare Supplement (Medigap)

• Helps pay some of the costs that Original Medicare does not cover, such as certain copayments, coinsurance and deductibles.
• Generally allows you to see any doctor, clinic or hospital that accepts Medicare, subject to the specific plan rules.

Medicare Part D (prescription drug plans)

• Provides prescription drug coverage.
• Available as a stand-alone plan or as part of some Medicare Advantage plans (MAPD).
• Can lower your out-of-pocket prescription costs, especially at preferred pharmacies.

Guidance and support

Understanding Medicare parts

• Medicare includes different parts (A, B, C and D).
• SafePol can help explain how the parts work together before you choose a Medicare Advantage or Medicare Supplement plan.

Doctors and networks

• Before choosing a Medicare plan, it is important to make sure your preferred doctors and hospitals are in the plan's network when applicable.
• SafePol can help you review whether specific providers are in-network.

Medications

• SafePol can help you check whether your prescription medications are covered under a Medicare Part D plan or a Medicare Advantage plan with drug coverage, and how they are covered.

Claim and billing questions

• If you find Medicare claim forms confusing or have questions about how a claim was paid, SafePol can assist you in reviewing and understanding them.

Important disclosure about plan availability

• SafePol does not offer every Medicare plan available in your area.
• We currently represent 3 organizations which offer 25 products in your area (numbers may change over time).
• For information on all of your options, you can also contact Medicare directly at Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP).

How to get Medicare help

• Call SafePol to speak with a licensed Medicare insurance broker.

Ask anyway — the agent will say plainly that it is not published rather than guess.