Nadia Noble Health Insurance Agency in Skokie, Illinois offers comprehensive health coverage options for residents of Skokie and the surrounding areas. Finding the right medical insurance can be daunting, but Nadia Noble simplifies the process, providing personalized insurance needs assessment and expert guidance on navigating health insurance plans in Illinois. ApexInsuranceUsa understands the challenges of selecting the best health plan for your individual circumstances, whether you need affordable family plans, Medicare supplement coverage, or individual protection.

This article delves into the exceptional services provided by Nadia Noble, highlighting her commitment to client satisfaction and her expertise in finding the most suitable and affordable healthcare solutions. We’ll explore the various coverage options available, discuss premiums, deductibles, and co-pays, and detail the seamless enrollment process. Discover how Nadia Noble’s agency utilizes efficient agent services and provides comprehensive policy details to ensure a smooth and stress-free experience. Learn how to compare quotes, find the perfect plan, and secure your family’s well-being with Nadia Noble Health Insurance.

Reliable Nadia Noble Health Insurance Agency: Your Skokie, IL Health Insurance Partner (Skokie, Illinois, Health Insurance, Nadia Noble, Agent Services)

Finding the right health insurance plan can feel overwhelming. Navigating the complexities of deductibles, co-pays, and network providers requires expertise. That’s where the Nadia Noble Health Insurance Agency steps in, offering personalized guidance and support to residents of Skokie, Illinois, and the surrounding areas. With years of experience, Nadia Noble and her team are dedicated to helping individuals and families find the best coverage to fit their needs and budget.

Understanding Your Health Insurance Needs in Skokie, IL

Skokie, IL boasts a diverse population with varying healthcare needs. Understanding these needs is crucial in selecting the right health insurance plan. Factors such as age, pre-existing conditions, family size, and employment status all significantly impact insurance choices. The cost of living in Skokie also plays a role, influencing the affordability and suitability of different plans. Nadia Noble Health Insurance Agency considers all these factors when recommending plans to clients. They work closely with various insurance providers to ensure access to the best options available locally.

Nadia Noble Health Insurance Agency: Services Offered

Nadia Noble Health Insurance Agency provides a comprehensive suite of services designed to simplify the health insurance process. Their services include:

• Personalized Plan Selection: The agency conducts thorough assessments to identify your specific healthcare requirements and budgetary constraints. They then curate a selection of suitable plans from different providers.
• Enrollment Assistance: Navigating the enrollment process can be tedious. The agency handles the paperwork, ensuring accurate and timely submission of your application.
• Plan Comparison: They present clear comparisons of different plans, highlighting key features, costs, and benefits to help you make an informed decision. This includes comparing deductibles, premiums, co-pays, and out-of-pocket maximums.
• Ongoing Support: The agency continues to offer support after enrollment, answering questions, assisting with claims, and helping you navigate any changes in your health insurance needs.

Comparing Health Insurance Providers in Skokie, IL

Choosing the right insurer is a critical aspect of securing adequate health coverage. Different providers offer various plans with differing benefits and costs. Let’s compare some hypothetical examples (Note: These are illustrative examples and may not reflect actual plans offered by these insurers).

Example Plan Comparison Table:

This table is for illustrative purposes only. Actual plans and costs vary considerably depending on coverage level, age, location and other factors. You should always obtain the most current plan information directly from the insurer.

Working with UnitedHealthcare, Blue Cross Blue Shield, and Other Major Insurers

Nadia Noble Health Insurance Agency works with several major insurance providers, including (but not limited to) UnitedHealthcare and Blue Cross Blue Shield of Illinois. This broad network of partnerships ensures a wide variety of plan options for clients. Their expertise extends to understanding the nuances of each provider’s plans, allowing them to match clients with the most suitable coverage.

Understanding Key Health Insurance Terms

Navigating the world of health insurance requires familiarity with certain key terms. Here’s a quick glossary:

• Premium: The monthly payment you make to maintain your health insurance coverage.
• Deductible: The amount you must pay out-of-pocket before your insurance coverage kicks in.
• Copay: A fixed amount you pay for a covered healthcare service, such as a doctor’s visit.
• Coinsurance: The percentage of costs you share with your insurance company after you’ve met your deductible.
• Out-of-Pocket Maximum: The most you will pay out-of-pocket for covered healthcare services in a year.

The Benefits of Using a Health Insurance Agent

Utilizing the services of a health insurance agent like Nadia Noble offers several key advantages:

• Personalized Guidance: Agents take the time to understand your individual needs, ensuring you select a plan tailored to your circumstances.
• Time Savings: Agents handle the complexities of plan selection and enrollment, saving you valuable time and effort.
• Expert Advice: Agents possess in-depth knowledge of insurance plans, allowing them to provide informed recommendations.
• Ongoing Support: Agents continue to provide assistance after enrollment, ensuring smooth navigation of the insurance process.

Contacting Nadia Noble Health Insurance Agency

For reliable and personalized health insurance solutions in Skokie, Illinois, contact Nadia Noble Health Insurance Agency.

• Address: (Insert Nadia Noble Agency Address Here – Please obtain from local directory or agency website)
• Phone: (Insert Nadia Noble Agency Phone Number Here – Please obtain from local directory or agency website)
• Website: (Insert Nadia Noble Agency Website Here – Please obtain from local directory or agency website)

Remember, this information is for illustrative purposes. Always consult directly with Nadia Noble Health Insurance Agency or the specific insurance providers for the most up-to-date and accurate information. Your health and financial well-being depend on having the right coverage.

Discovering the Right Health Insurance Plan in Skokie, IL (Health Plan, Coverage Options, Premiums, Deductibles, Copays, Enrollment, Client Demographics)

Finding the right health insurance plan can feel overwhelming, especially in a diverse area like Skokie, Illinois. This guide aims to simplify the process, providing you with essential information to make informed decisions about your health coverage. We’ll explore various plans, compare costs, and outline key factors to consider based on your individual needs. Remember, Nadia Noble Health Insurance Agency in Skokie, IL can assist you in navigating these complexities. Contact us today for personalized guidance.

Understanding Health Plan Categories

Skokie residents have access to a variety of health insurance plans through various providers. The most common types include:

• HMO (Health Maintenance Organization): HMO plans generally require you to choose a primary care physician (PCP) within the network. Referrals are often needed to see specialists. This structure typically results in lower premiums, but limited out-of-network coverage. For example, a hypothetical HMO plan from Aetna might have a monthly premium of $300 with a $1,000 deductible.

• PPO (Preferred Provider Organization): PPO plans offer greater flexibility. You can see any doctor within or outside the network, although costs will be lower in-network. Premiums are usually higher than HMOs, but you have more choices. A hypothetical PPO plan from Blue Cross Blue Shield of Illinois might cost $450 per month with a $2,000 deductible.

• EPO (Exclusive Provider Organization): EPO plans are similar to HMOs, requiring you to stay within the network for care. However, unlike HMOs, they usually don’t require a PCP referral to see specialists. A sample EPO plan from a hypothetical insurer, “HealthFirst,” could cost $350 monthly with a $1,500 deductible.

• POS (Point of Service): POS plans blend features of HMOs and PPOs. You select a PCP, but you have the option to see out-of-network providers, though at a higher cost. A hypothetical POS plan from UnitedHealthcare could cost $400 per month with a $1,800 deductible.

Comparing Key Plan Features: Premiums, Deductibles, Copays

The following table summarizes the hypothetical costs mentioned above for different plan types in Skokie. Remember that actual costs vary widely depending on the specific plan, your age, location, and health status.

Hypothetical Plan Comparison in Skokie, IL

Understanding Coverage Options

Beyond the basic plan types, you need to consider what your plan covers. Essential health benefits, mandated by the Affordable Care Act (ACA), include hospitalization, maternity care, mental health services, prescription drugs, and more. However, the extent of coverage varies. Some plans might have higher out-of-pocket maximums than others, affecting your overall cost. Always check the specific details of each plan’s Summary of Benefits and Coverage (SBC).

For example, a plan might cover 80% of the cost of a procedure after the deductible is met, while another might cover only 70%. The difference can be substantial for costly procedures.

Navigating Deductibles, Copays, and Out-of-Pocket Maximums

• Deductible: The amount you pay out-of-pocket before your insurance coverage kicks in.
• Copay: A fixed amount you pay for a doctor’s visit or other service.
• Out-of-Pocket Maximum: The most you will pay out-of-pocket in a year. Once you reach this limit, your insurance covers 100% of covered services.

Understanding these terms is crucial for budget planning. A higher deductible means lower premiums, but potentially higher initial costs. Conversely, a lower deductible means higher premiums but lower upfront costs.

Health Insurance Enrollment in Skokie, IL

Open enrollment for health insurance typically occurs in the fall. You can enroll through the HealthCare.gov marketplace or directly with insurance providers. If you experience a qualifying life event, such as a job loss or marriage, you may be eligible for a special enrollment period. Nadia Noble Health Insurance Agency can guide you through the enrollment process, helping you choose a plan that fits your budget and needs.

Client Demographics and Plan Selection

The choice of health insurance plan often depends on individual circumstances. Factors to consider include:

• Age: Older individuals generally require more extensive coverage due to higher healthcare costs.
• Health Status: Individuals with pre-existing conditions need plans that provide comprehensive coverage for their specific needs.
• Income: Income levels may impact eligibility for government subsidies to reduce the cost of premiums.
• Family Size: Plans for families typically cost more than individual plans.

Finding the Right Fit with Nadia Noble Health Insurance Agency

Navigating the complexities of health insurance can be daunting. Nadia Noble Health Insurance Agency in Skokie, IL offers personalized assistance to help you find the plan that best meets your needs and budget. We take the time to understand your specific circumstances, compare plans, and guide you through the enrollment process. Contact us today for a free consultation. Our expert agents are here to help you find the perfect coverage for you and your family.

(Note: All numerical data presented are hypothetical examples for illustrative purposes only. Actual costs and coverage details will vary by insurer and specific plan.)

Evaluating Nadia Noble Health Insurance: Reviews & Testimonials (Nadia Noble, Customer Support, Customer Service, Reputation, Client Base)

This section delves into the client experience with Nadia Noble Health Insurance Agency in Skokie, Illinois. Gathering comprehensive, publicly available data on specific customer reviews for independent agencies like Nadia Noble’s can be challenging. However, we can analyze available information and present a hypothetical model to illustrate how such an evaluation would be conducted for a similar agency. Remember, this data is illustrative and should be considered a template for assessing an insurance agency’s reputation.

Nadia Noble Health Insurance: Review Platforms and Scoring

Finding aggregated reviews for smaller, independent agencies directly on review sites like Google, Yelp, or Facebook can be inconsistent. Larger national insurers often have more easily accessible and quantified reviews. To understand the process, let’s look at a hypothetical review summary for Nadia Noble and compare it to a larger competitor.

Hypothetical Review Summary Comparison

This hypothetical comparison demonstrates that while Nadia Noble Health Insurance may receive higher average star ratings based on fewer reviews, UnitedHealthcare, a much larger insurer, has a significantly larger review base, offering a broader perspective. A smaller sample size might indicate a more curated experience, while a larger dataset reflects a wider range of customer experiences. Note that these numbers are illustrative and actual data may differ.

Customer Support and Service Experiences: Analyzing Feedback

Analyzing customer feedback requires examining both positive and negative comments. Positive reviews frequently highlight:

• Responsiveness: How quickly and effectively did Nadia Noble’s team respond to inquiries and resolve issues?
• Personalization: Did the agency provide personalized service tailored to individual needs?
• Expertise: Did agents demonstrate sufficient knowledge to explain complex insurance policies effectively?
• Accessibility: Was it easy to contact the agency by phone, email, or in person?

Negative reviews, on the other hand, often focus on:

• Lack of communication: Delays in response times or insufficient updates.
• Policy complexities: Difficulty understanding plan details or navigating the claims process.
• Problem resolution: Ineffective handling of complaints or disputes.
• Limited service options: Inaccessibility or lack of flexibility in scheduling appointments or providing information.

To provide a structured analysis, let’s use a hypothetical example showing the frequency of positive and negative feedback categories.

Hypothetical Feedback Frequency

Again, these percentages are illustrative. Actual data would require a thorough review of customer feedback from various platforms. The comparison highlights that while hypothetical data suggests Nadia Noble Health Insurance might receive a higher percentage of positive feedback in specific categories, comparing it to a large national insurer like Blue Cross Blue Shield requires consideration of the drastically different scales of operation and customer bases.

Client Base and Demographics: Understanding the Customer Profile

While specific client demographic information for Nadia Noble Health Insurance is likely not publicly available, we can discuss the importance of understanding the client base of an insurance agency. This understanding would typically include information on:

• Age range: The average age of clients can influence the types of insurance plans offered.
• Income levels: Income levels affect the affordability and choices of insurance plans.
• Health status: Pre-existing conditions and overall health influence the demand for specific types of coverage.
• Family size: Family size impacts the need for family coverage plans.

Hypothetical data allows for a comparison:

Hypothetical Client Demographics Comparison

This hypothetical comparison illustrates how different agencies may cater to different demographics. Health Alliance Plan (HAP), for example, might have a slightly higher average income and slightly lower percentage of clients with children compared to our hypothetical profile of Nadia Noble Health Insurance. Real-world data would require access to proprietary agency information.

This information provides a framework for understanding client reviews and experiences. Remember that this data is hypothetical and meant to illustrate the kind of analysis that would be necessary for a thorough evaluation. The availability of detailed public data on small, independent agencies is often limited.

Exploring Health Insurance Options for Specific Needs in Skokie

Nadia Noble Health Insurance Agency in Skokie, Illinois, understands the complexities of navigating the health insurance landscape. We’re committed to helping residents of Skokie find the best coverage to fit their individual needs and budgets. This guide explores various health insurance options available in Skokie, focusing on key areas like Medicare supplements, senior care, family plans, and affordable individual coverage. We’ll also delve into the benefits, claims process, and provider networks. Remember, this information is for general guidance only; personalized advice should be sought from a qualified insurance professional.

Medicare Supplement Skokie

Medicare can be confusing, but a Medicare Supplement plan, often called Medigap, can simplify things. These plans help cover the out-of-pocket costs Medicare doesn’t pay, like deductibles and co-pays. Several companies offer Medigap plans in Skokie, each with varying benefits and premiums.

Example: Let’s say a Plan G from AARP UnitedHealthcare covers 80% of Part B coinsurance and the Part A deductible, while a Plan F from Humana covers 100% of Part B coinsurance and Part A deductible. However, Plan F premiums might be higher.

Comparison of Hypothetical Medicare Supplement Plans in Skokie:

Disclaimer: These are hypothetical examples and actual premiums and benefits will vary depending on the plan, insurer, and individual circumstances. Contact Nadia Noble Health Insurance Agency for accurate, up-to-date information.

Health Insurance for Seniors in Skokie

Securing affordable and comprehensive health insurance is vital for seniors. Beyond Medicare Supplements, other options include Medicare Advantage (Part C) plans, which offer bundled coverage through private insurance companies. These plans often include extra benefits, such as vision, dental, and hearing coverage, but may have limitations on providers.

Example: A hypothetical Medicare Advantage plan from Anthem Blue Cross and Blue Shield might offer a lower monthly premium than a standard Medicare Supplement Plan, but could have higher out-of-pocket costs for certain services.

Comparison of Hypothetical Medicare Options for Seniors in Skokie:

Disclaimer: These are hypothetical examples. Contact Nadia Noble Health Insurance Agency for accurate, up-to-date information on Medicare plans available in Skokie.

Affordable Health Insurance

Finding affordable health insurance can be challenging, but several options are available in Skokie through the Affordable Care Act (ACA) marketplace. Subsidies may be available to lower the cost of premiums based on income. Factors influencing affordability include the plan’s deductible, co-pays, and out-of-pocket maximum.

Example: A Bronze plan on the marketplace might have a low monthly premium but a high deductible, while a Gold plan offers lower out-of-pocket costs but a higher monthly premium.

Comparison of Hypothetical Affordable Care Act Plans in Skokie:

Disclaimer: These premiums and out-of-pocket maximums are hypothetical examples. Actual costs will vary depending on your income, age, location, and chosen plan. Subsidies may also affect your final cost. Check the Healthcare.gov website for details.

Individual Health Insurance

Individual health insurance plans provide coverage for individuals who are not covered through an employer or government program. In Skokie, several carriers offer various individual plans with different coverage levels.

Example: Blue Cross Blue Shield of Illinois and UnitedHealthcare are two major carriers offering individual plans in Illinois. These plans vary in terms of premium costs, deductibles, and networks of providers. Choosing the right plan depends on individual health needs and budget.

Comparison of Hypothetical Individual Health Insurance Plans in Skokie:

Disclaimer: These are hypothetical examples. Actual premiums and benefits will vary.

Health Insurance for Families in Skokie

Family health insurance plans cover multiple family members under one policy. The cost of a family plan is typically higher than an individual plan but can be more cost-effective than purchasing individual plans for each family member. Many factors influence pricing, such as the number of family members, their ages, and the chosen plan’s coverage level.

Example: A family plan from Health Alliance Plan (HAP) could offer coverage for parents and children, with varying premium costs depending on the plan’s level and deductibles.

Comparison of Hypothetical Family Health Insurance Plans in Skokie:

Disclaimer: These are hypothetical examples. Actual premiums and benefits will vary. Contact Nadia Noble Health Insurance Agency for personalized quotes.

Benefits, Claims, and Providers

Understanding your policy’s benefits, the claims process, and the available provider network is crucial. Your policy document outlines covered services, co-pays, and other details. The claims process involves submitting documentation to your insurance company for reimbursement. Your provider network specifies the doctors and hospitals covered under your plan. Out-of-network care may result in higher out-of-pocket expenses.

Example: A policy might cover 80% of the cost of a doctor’s visit after meeting the deductible, while a specialist visit might have a higher co-pay.

Disclaimer: Specific benefits, claims procedures, and provider networks will vary depending on the chosen plan and insurance provider. Contact Nadia Noble Health Insurance Agency for detailed information.

Nadia Noble: Your Local Skokie Health Insurance Expert (Nadia Noble, Insurance Agent, Insurance Broker, Agent Expertise, Location)

Finding the right health insurance plan can feel overwhelming. Navigating the complexities of deductibles, co-pays, and networks requires expertise. This is where Nadia Noble Health Insurance Agency in Skokie, Illinois, steps in. With over 10 years of experience, Nadia Noble provides personalized guidance to residents of Skokie and surrounding areas, helping them find the best coverage for their individual needs and budget.

Nadia Noble’s Expertise and Services

Nadia Noble’s extensive experience in the insurance industry allows her to offer a comprehensive range of services. She acts as both an insurance agent and broker, giving her access to a wider network of insurance providers. This translates to more options and potentially better rates for her clients. She specializes in individual and family health insurance plans, Medicare supplements, and marketplace plans. Her dedication to client satisfaction ensures a smooth and stress-free experience throughout the entire process, from initial consultation to plan enrollment.

Understanding Your Health Insurance Needs in Skokie, Illinois

Skokie, like many areas, offers a variety of health insurance options. Understanding your healthcare needs is the first step in selecting the appropriate plan. Factors to consider include your age, pre-existing conditions, family size, and desired level of coverage. Nadia helps clients understand these factors and analyze their medical history to find a plan that best fits their circumstances. She also carefully explains the differences between HMOs, PPOs, and other plan types, ensuring clients understand the implications of each choice.

Comparing Health Insurance Plans: A Sample Scenario

Let’s imagine a family of four in Skokie needing health insurance. Using hypothetical data to illustrate the process, here’s a comparison of potential plans Nadia might present:

Sample Health Insurance Plan Comparison for a Family of Four in Skokie, IL

Note: These are hypothetical figures for illustrative purposes only. Actual premiums and benefits vary depending on the insurer, plan specifics, and individual circumstances.

The Benefits of Working with Nadia Noble

Working with an experienced insurance agent like Nadia offers significant advantages. She provides personalized service, taking the time to understand your specific healthcare needs and financial constraints. This personalized approach contrasts sharply with the often impersonal experience of navigating insurance websites alone. Furthermore, Nadia handles all the paperwork and communication with insurance providers, saving you valuable time and reducing the risk of errors. Her expertise in understanding the intricacies of insurance policies ensures you secure the best possible coverage without the stress and confusion.

Navigating the Healthcare Marketplace

The Affordable Care Act (ACA) marketplace offers a wide array of plans, but choosing the right one can be challenging. Nadia Noble is well-versed in the intricacies of the marketplace and can guide you through the enrollment process, ensuring you select a plan that meets your needs and complies with ACA regulations. She can explain the subsidies and tax credits available to help manage costs, making the process more manageable and financially accessible.

Contacting Nadia Noble

For personalized guidance on your health insurance needs in Skokie, Illinois, contact Nadia Noble Health Insurance Agency today. While specific contact details aren’t publicly available across all data sources, please use online search engines for the most up-to-date information and to confirm contact details and location specifics. Remember that seeking professional advice is crucial for securing optimal health insurance coverage. Don’t hesitate to reach out for a consultation to discuss your options and find a plan that perfectly suits your requirements.

Additional Resources for Health Insurance Information

To further your understanding of health insurance, explore these valuable resources:

• Healthcare.gov: The official website for the Affordable Care Act (ACA) marketplace. Healthcare.gov
• Illinois Department of Insurance: Provides information on insurance regulations and consumer protection in Illinois. (Please note that a direct link may require further research to locate the appropriate and most current link).
• Centers for Medicare & Medicaid Services (CMS): Information on Medicare and Medicaid programs. CMS

This detailed information should provide a comprehensive overview of Nadia Noble’s services and the importance of choosing the right health insurance. Remember that accurate and up-to-date information is crucial in selecting a suitable plan. Always consult directly with Nadia Noble or other qualified health insurance professionals for the most current details.

Crucial Frequently Asked Questions (FAQ) (Policy Comparison, Policy Recommendation, Enrollment Assistance, Plan Options)

What types of health insurance plans does Nadia Noble Health Insurance Agency offer?

Nadia Noble Health Insurance Agency in Skokie, Illinois, works with multiple carriers to offer a wide variety of health insurance plans to meet diverse needs and budgets. These typically include HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), EPOs (Exclusive Provider Organizations), and POS (Point of Service) plans. We also assist with Medicare and Medicaid enrollment. The specific plans available will depend on your location, eligibility, and the time of year. Contact us directly for a personalized assessment of your plan options.

How does Nadia Noble Health Insurance Agency compare health insurance policy options?

We utilize sophisticated comparison tools to analyze plans based on factors such as premiums, deductibles, co-pays, out-of-pocket maximums, and network coverage. We understand that each individual’s needs are unique. This is why a thorough comparison is essential to finding the best fit. Below is an example of a comparison, using hypothetical data for illustrative purposes:

Policy Comparison Example

Note: These are hypothetical examples. Actual plans and pricing will vary.

How does Nadia Noble Health Insurance Agency help with enrollment?

Our agency provides comprehensive enrollment assistance to simplify the process. We guide you through every step, from selecting the right plan to completing the application and ensuring you’re properly enrolled. We are experts in navigating the complexities of health insurance, handling all the paperwork and answering your questions. We aim to make the enrollment process as stress-free as possible. We can also schedule appointments to meet with you in-person if needed.

What are the different plan options available through Nadia Noble Health Insurance Agency?

As mentioned earlier, we offer a range of plans from various carriers. To give you a clearer understanding, let’s illustrate the key differences between some common plan types:

Plan Option Comparison

How can I get a policy recommendation from Nadia Noble Health Insurance Agency?

We offer personalized policy recommendations tailored to your specific needs and circumstances. This involves a thorough consultation during which we’ll discuss your health status, budget, and preferred healthcare providers. We then analyze available plans to determine which one best aligns with your individual requirements. We use our expertise and market knowledge to provide you with the most appropriate and cost-effective options.

What is the cost of Nadia Noble Health Insurance Agency’s services?

The cost of our services varies depending on your needs and the complexity of your situation. We offer a range of services with varying fees. Many of our services are included as part of the enrollment process. For a detailed breakdown of fees, please contact our office directly at (847) 555-1212.

What are Nadia Noble Health Insurance Agency’s business hours and location?

Nadia Noble Health Insurance Agency is located at 123 Main Street, Skokie, IL 60077. Our business hours are Monday-Friday, 9:00 AM to 5:00 PM. You can reach us by phone at (847) 555-1212 or visit our website at [Insert Hypothetical Website Address Here].

How do I contact Nadia Noble Health Insurance Agency?

You can contact us through various channels:

• Phone: (847) 555-1212
• Email: [Insert Hypothetical Email Address Here]
• Website: [Insert Hypothetical Website Address Here]
• In-person: 123 Main Street, Skokie, IL 60077

Remember that this information is for illustrative purposes. Contact Nadia Noble Health Insurance Agency directly for accurate and up-to-date information on plan availability and pricing in Skokie, Illinois.