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Health Insurance


About Us

JTK Insurance Services is dedicated to providing you with the newest and best health insurance on the market. This dedication enables us to continually improve the knowledge and service to our "family of customers". We consider your insurance protection of primary importance to your financial security.

You can go to a web site and obtain quotes from 10 different companies. The problem is to choose which one is best for you. How do you make a good choice? One health insurance plan or company doesn't suit everybody's needs. At JTK Insurance Services we have over 50 years of experience helping people make the right choice. Our success is dependent on your satisfaction. If you have a problem or question, we don't want you to be put on hold with an insurance company - we want you to call us.

You can depend on JTK Insurance Services for health insurance benefits, and more.


Enrollments can be done on-line or through the mail.

We will send you an acknowledgment that the application has been received, review the application for correct information, and follow-up with the insurance company that the enrollment process has been completed.

There are 5 possible outcomes

  • STANDARD underwriting offers:
    Your policy was approved at the price quoted with no waivers or restrictions other than those allowed by statute (e.g. pre-existing condition waiver).

  • COUNTER underwriting offers:
    Your policy was issued at a higher price than the original quote and may have additional waivers and/or restrictions. You'll be contacted prior to the policy being issued so you can review the offer.

  • REQUESTS for medical records, labs or exams:
    You will be contacted.

  • POSTPONED underwriting review:
    This action is usually taken by the insurance carrier when it is unable to obtain needed information in a timely manner. Your application will not be acted upon until the requested information is received.

  • DECLINED underwriting notifications:
    You'll be contacted and we will offer advice.

Claim Problems/Service

The secure feeling of medical protection starts with the knowledge that your plan is serviced by an agent from JTK Insurance Services. We pride ourselves on our ability to handle problems for our clients - whether it is a billing problem, claim problem, or a problem at the prescription counter.

On a claim problem, please provide us with as much information as possible. This would include an Explanation of Benefits from the insurance company, and a doctor or hospital bill. Fax the above information to us at 630-972-1078. We will get back to you as soon as possible and follow-up with the insurance company or providers office as needed.

Our function is to keep you protected. Help us protect you by giving us a call today so that we can help you toward financial security.


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