As your advisors and brokers we are committed to helping you navigate the complex insurance landscape and recommending products and services based on your needs. We believe in being fully transparent in every aspect of our relationship, as outlined here. If you choose to engage with Hokin Services after a free 15 minute consolation, if applicable, we will send you a copy of our letter of engagement for signature.
Our Commitment to You
We are committed to listening to your needs and recommending the insurance products and services that will best meet those needs. We provide unbiased perspective and guidance on your health insurance options, helping you compare plans and costs in order to make an informed decision. We are passionate about helping you .
We are independent advisors and are fully licensed. We are contracted with insurance companies that allow us to represent their products. We may recommend an insurance company, product or service that we are not contracted to represent, when it more effectively meets the needs of our client.
Under 65 Health Insurance
How We are Compensated
We may be compensated by the insurance company when you are enrolling coverage through our agency.
Base Service
There is no cost for this service. When you enroll through our office via the link provided, we explain fully-compliant ACA (Obamacare) plans and provide quotes, as well as ongoing service regarding your plan and coverage throughout the year.
Concierge Service
We offer our services on a consultative basis for $250 as authorized by Sec. 500-80 of the Illinois Insurance Code. This level of service includes:
1. Information on the health insurance landscape and all of y our health insurance options;
2. Premium Tax Credit and Cost-Sharing Reduction planning and strategy;
3. Reviewing plan options and an explanation of the marketplace ;
4. Looking up doctors and hospitals to determine if they are in-network;
5 . Up to 60 minutes of consultation and service throughout the year:
6 . Enrollment assistance and oversight of application process
At the time of our meeting, we do not know how much we will be compensated if or when you enroll in coverage. We are happy to provide you with compensation information following your enrollment, upon your request. Every insurance company and product has a different commission schedule and we are intentionally not aware of what they are so we can truly provide you with unbiased information and a recommendation based on your needs.
Medicare Health Insurance
How We are Compensated
Agency Client:
We are compensated by the insurance company when you enroll in coverage through the agency with carriers we are contracted with, we provide full consultation as value added service.
However, we are allowed to assess additional fees, as authorized by Sec. 500-80 of the Illinois Insurance Code
Medicare Review:
We also offer a full review & comparison with your current coverage, regardless if we are the agent of record. When engaging this level of service, you agree to a consulting fee of $150.
White Glove Service
There is no cost to enroll in Medicare Parts A & B. We provide guidance on how to enroll in Medicare Parts A & B at no cost to our clients who prefer to complete this on your own. Sometimes a client will request our assistance with the actual enrollment in Medicare Parts A and/or B. We are happy to assist with this process and charge a $150 service fee.
At the time of our meeting, we do not know how much or if we will be compensated when you enroll in coverage. We are happy to provide you with compensation information following your enrollment, upon your request. Every insurance company and product has a different commission schedule. To provide the highest level of service to you, we provide you with unbiased information and a recommendation based on your needs without consideration of compensation or commissions.