Terms that hide the real cost
Deductibles, copays and out-of-pocket maximums change what you actually pay when you need care.
HEALTH INSURANCE · INDIVIDUAL AND GROUP
Coverage that fits.Plans made clear.
We help Chicago-area individuals, families and small business owners compare health plans, then explain deductibles, copays, networks and prescription coverage in plain terms.
Since 2004insuring Chicagoland
Individual to groupcoverage compared
One officefor tax and insurance
Who it is for
Health plans are confusing.Picking wrong costs you all year.
Your doctor is out of network
Networks differ plan to plan, and an out-of-network visit can cost far more than you expect.
Enrollment windows are short
Outside open enrollment you generally need a qualifying life event to sign up or switch plans.
Coverages
Explained plainly.
Every policy is fitted to what you own and how you live or work, then reviewed with you each year.
Individual health coverage
For the self-employed, people between jobs and owners who are not on an employer plan.
Family coverage
One plan that protects you, your spouse and your dependents.
Small business and group options
Coverage that helps you attract and keep employees while you manage the budget.
Preventive care review
Many plans include annual checkups and recommended screenings. We show what each plan covers.
Prescription coverage
We check formularies and drug tiers so you know how your medications are covered before you enroll.
Hospital and major medical
Protection for hospital stays and major medical events, where costs climb fastest.
How it works
From first call to coverage.
- Step 1Tell us who to coverShare who is on the plan, the doctors you see and the prescriptions you take.
- Step 2We compare plansWe line up deductibles, copays, out-of-pocket maximums and networks side by side.
- Step 3You choosePick the plan that fits your health, your budget and your providers.
- Step 4We stay on callQuestions at renewal or after a life event come back to the same office.
The Ozfield difference
Your tax return is here too.One file for the whole family.
Most people use one company for taxes, another for books and a third for insurance. With Ozfield, one team sees it all, so nothing gets lost between offices.
Self-employed ownersHealth coverage and your income tax return handled by the same office.Small business ownersGroup coverage, payroll and bookkeeping set up by one team.Life changesMarriage, a new baby or a new business? We update your coverage and your file.Business protectionPair your health plan with commercial coverage for the company itself.
Mr. Orkun and his team are very professional. I highly recommend this place for insurance and tax returns.
FAQs
Good questions.
Something else on your mind? Call 773-536-9272 and our office will walk you through it.
When can I enroll in a health plan?
Most people enroll during the annual open enrollment period. Outside that window, a qualifying life event such as losing other coverage, marriage, the birth of a child or a move can open a special enrollment period.
What is an out-of-pocket maximum?
It is generally the most you pay for covered in-network care in a plan year. Once you reach it, the plan pays the full cost of covered in-network services for the rest of that year.
Can a small business offer group coverage?
Yes. We review small group options with owners who want to offer health benefits to attract and keep employees.
Is preventive care covered?
Many plans include preventive care such as annual checkups and recommended screenings. We confirm what each plan covers before you enroll.
What should I have ready for a quote?
Names and birth dates for everyone on the plan, your ZIP code, the doctors you want to keep and the prescriptions you take.
Compare health plans with us.
Tell us who needs coverage and we will walk you through the options that fit.