top of page
Protect Your
Health & Income

JMF Financial Services offers a full portfolio of health products to meet the needs of individuals and families.

Individual/Family Insurance

The Affordable Care Act requires that individuals and families have a medical health plan that provides Minimum Essential Health Benefits EHB.  These plans are offered via either state or federally operated marketplaces.   

10 Minimum Essential Health Benefits that plans must have are:

  • Preventative services

  • Emergency Services

  • Hospitalization

  • Ambulatory Services (outpatient care)

  • Pregnancy, Maternity, and Newborn care

  • Mental Health and Substance Use Disorder Services

  • Laboratory Services 

  • Rehabilitative and Habilitative Services

  • Pediatric Care Services

  • Prescription Plan

The ACA plans are categorized into four levels of plans:

  • Gold

  • Silver

  • Bronze

  • Catastrophic

Types of Plans:

PPO (Preferred Provider Organization)

A PPO is a type of plan that offers the flexibility of using providers that are outside of the plan's network.   The trade-off for this flexibility is higher premiums and/or higher out-of-pocket costs for out of network providers.


A Health Maintenance Organization is a type of plan where your healthcare is managed or facilitated by a primary care physician thru a network of approved specialists and providers.  Seeing specialists or providers outside the network for non-emergency services are typically not covered.

Our Advisors are certified by the Federally Facilitated Marketplace (FFM) and will perform the following services for you:

  • Explain the type of plans that are available to you.  ​

  • Match the available plans with your doctors and pharmacies.

  • Assist you with your determining your eligibility and credits available to you.

  • Guide you through the enrollment process and help answer questions.

Our Individual and Family carriers are:

  • Ambetter

  • Anthem Blue Cross Blue Shield

  • Blue Cross Blue Shield Illinois

  • Bright Health Plan

  • Cigna

Short-Term Medical Plans

Are you in-between jobs?  Started a job where your benefits haven't begun yet?  Or do you do not want the minimum essential health benefits offered by a Major Medical plan?   Short-term medical plans are the answer.  

Short-Term Medical plans are not ACA compliant medical plans.  They are plans that provide varying levels of coverage.   

Guaranteed Issue

These plans will be issued regardless of how you answer the application questions.  These plans have higher premiums and higher out-of-pocket costs.


These plans require that you successfully answer health questions.  You can be denied coverage.  

Short-Term Medical plans can have coverage start as early as the next day, and have a term as short as a month, to 6-months, and some can be renewed.  Rules apply.

Our Advisors will work with you to find the most appropriate plan to meet your needs. 

Our Carriers include:

  • National General

  • UnitedHealthOne

Dental and Vision Plans

Dental and vision care is an important component of maintaining a healthy lifestyle.  The ACA requires pediatric dental care but does not require vision care or adult dental care.   


We have plans that provide a variety of levels of coverage. 


Some of our carriers waive the waiting periods for Basic and Major Services if you had coverage within 60 days.   Making them a more effective option than COBRA.

Vision coverage is important for kids, poor vision can lead the issues with reading for kids.  For adults, poor vision can impact driving, along with providing early detection for serious ailments.

Our Advisors will work with you to determine your options, and recommend the best carriers and plans to meet your needs and budget.

Our Carriers include:

  • Delta Dental

  • Aetna

  • Blue Cross Blue Shield IL

  • Anthem Blue Cross Blue Shield

  • Cigna

  • National General

  • Mutual of Omaha

  • UnitedHealthOne

  • VSP

Contact US

Glenwood, Illinois 60425


Tel: (708) 781-1603

Toll Free: (833) 788-0772

Fax: (708) 332-9649


Monday - Friday 

8:30 am to 6 pm



By appointment


Evenings by Appointment

bottom of page