Adequate healthcare is one of the largest problems facing elderly Americans today. If you are on Medicare, you may find that your needs are met by the plan, yet in certain situations and certain conditions, Medicare just will not be enough. This is where it pays to have a Medicare supplement plan and that’s where we come in. Whether you are on Medicare part A or B, we have a solution for you that can help pay for unexpected expenses such as co-pays that would otherwise derail your healthcare plan. Whether you are having problems with an out of network physician or need medical care when traveling outside of the US, our medical supplement plans will be just what the doctor ordered.


A Medicare supplement plan, sold by a company like ours, can cover those things that Medicare is unable to. Copayments are an example, as are deductibles. However coinsurance is the biggest reason why a supplement plan makes sense for you. You may be able to cover expenses that original Medicare is unable to cover, or, if they are only able to partially cover it, your supplement plan will make up the difference. This is different from a Medicare Advantage plan and can have many of the benefits that such a plan does not.


Because we are experts in this field and are able to match you with the plan that best fits your situation and specific needs. We offer free consultations and upfront statements of the premium cost and our plans come with guaranteed 100% acceptance rate. With this being the case, you have nothing to lose by consulting with one of our staff today!

While other companies may wish to sell you on plans that you do not need or cannot afford, we are dedicated to making sure that you have the Medicare supplement plan that will compliment your coverage and make certain that you will have the healthcare that you need. In this day and age, with high co pays and unexpected illnesses that may strike at any time, a Medicare supplement plan can help you achieve independence and peace of mind. You owe it to yourself to give us a call today!


There is no doubt about it. Insurance policies these days are simply too expensive and the premium cost of some HMO plans are even less affordable when they are not subsidized by your employer. This is no reason to go without insurance, however. We are here to guide you in finding the right plan to meet your financial situation. For those who need comprehensive coverage at an affordable price, a PPO plan may be right for you.

As a Blue Cross and Blue Shield of Illinois Independent producer, we are the ideal party to consult with if you are tired of your HMO and wish to switch to a PPO insurance plan. A preferred provider organization (PPO) plan can provide you with many benefits, such as much lower premium costs than that of an HMO. If you know that you are going to be seeking healthcare exclusively within a specific provider network, then a PPO plan can represent significant savings on premiums. There can also be significant savings on copayments. Although these plans may not cover all of your expenses, if you need to see an out of network physician, it may be the only way to have a comprehensive medical plan that you need at a price you can afford.

We only work with reputable companies and are seasoned experts in the field, so if you buy from us you will never have to worry about being stuck with a large hospital bill from a fly-by-night PPO provider. There is not cost for a consultation with us and we will always give you the premium costs upfront, so give us a call today and let us help you secure your future with a PPO plan.


Guaranteed Acceptance!

When we say guaranteed acceptance, we mean it! Although other providers and insurance brokers may use your pre-existing medical conditions as a reason to turn you down, here at Tom Miroballi, we will do everything possible to get you the coverage you need regardless of the status of your health. Access to healthcare is a human right, and we take our job very seriously. We are dedicated to getting you the care you need at a price that you can afford.

What does guaranteed acceptance mean? It means that we look into every possible option and we never give up. If there is one provider that won’t work with your condition, we will go to another. Our years of experience in the field have given us a comprehensive list of providers and we will not rest until you have a plan that will meet your needs.

You may have been down this road before, and have had other brokers slam the door in your face. Rest assured that we can guarantee coverage before you leave our office. Since there is no cost for a consultation and we are upfront about premium costs, this is a no-risk guarantee and you have nothing to lose by calling us today!


We sell Health Savings Account PPO health insurance plans with the lowest monthly premiums anywhere. Our plans allow for voluntary contributions that grow tax free and are in full compliance with the IRS’s guidelines, making our plans 100% tax free, tax deductible and tax deferred. In addition to providing you with much-needed coverage, our plans are also like individual retirement accounts dedicated to your health related needs at any doctor or any hospital anywhere. With unlimited coverage per person, it’s easy to see why this is becoming the popular choice amongst savvy seniors looking for the most comprehensive and affordable coverage that provides the best value.