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Mainline Benefits

"Keeping Health Insurance Simple"

About Us

Mainline Benefits has been a Licensed Independent Insurance Agency since 2006, dedicated to making health and life insurance simple and accessible. They offer a wide range of coverage options, including health, life, disability, critical illness, cancer policies, and more—each tailored to meet the unique needs of individuals and families. The agency started with a mission to provide valuable insurance solutions to his community and is committed to building trust through personalized service and long-term support. They looks forward to growing his business and continuing to serve Bloomington and the surrounding areas. For a free, no-obligation consultation, contact Matt today at 309-706-8644.

Our Story

Keeping Health Insurance Simple isn’t just a slogan—it’s the foundation of everything Mainline Benefits stands for. Since 2006, Mainline Benefits has proudly served as a Licensed Independent Insurance Agency dedicated to helping individuals and families navigate the often-confusing world of health and life insurance. With nearly two decades of experience, the agency focuses on making coverage easy to understand, affordable, and tailored to each client’s unique needs. Conveniently located directly across from the State Farm corporate office on Veterans Parkway, Mainline Benefits continues to be a trusted resource in Bloomington and the surrounding communities.

Founded with a mission to provide valuable insurance solutions to the local community, Mainline Benefits offers comprehensive insurance services backed by personalized attention and long-term support. As an independent agency, clients benefit from access to a wide range of coverage options rather than being limited to a single carrier. This flexibility allows Mainline Benefits to compare plans and customize policies that align with individual budgets, health needs, and financial goals.

Health Insurance is at the core of what Mainline Benefits provides. From coverage for doctor visits, hospital stays, surgeries, and preventive care to prescription coverage that reduces out-of-pocket medication costs, clients receive protection that helps manage today’s rising healthcare expenses. For those in transition, Short Term Health Insurance offers temporary coverage between jobs or while waiting for permanent insurance to begin.

Seniors can rely on expert guidance with Medicare planning. Medicare Supplements (Medigap) help cover costs not paid by Original Medicare, including copayments, coinsurance, and deductibles. Medicare Advantage Plans (Part C) combine Part A and Part B coverage and often include additional benefits such as dental, vision, hearing, and prescription drug coverage—all in one comprehensive plan.

Mainline Benefits also provides strong income and asset protection solutions. Disability Insurance and Short Term Disability Insurance replace a portion of income if illness or injury prevents you from working. Daily Hospital Benefits pay a fixed amount for each day hospitalized, helping cover added expenses like transportation, meals, or lost wages.

Life Insurance planning is another cornerstone of service. Whether clients need Term Life Insurance for affordable, time-specific protection, Whole Life Insurance with lifelong coverage and cash value growth, or Universal Life Insurance with flexible premiums and adjustable benefits, Mainline Benefits ensures families are financially protected. Life insurance policies can help cover funeral expenses, debts, and provide long-term financial security for loved ones.

Additional coverage options include Dental Insurance for routine and major dental care, Cancer Policies, and Critical Illness Policies designed to provide financial support during serious health events.

What truly sets Mainline Benefits apart is a commitment to trust, education, and personal service. Every client receives a free, no-obligation insurance consultation to review options, compare plans, and build a strategy that fits their life and budget. The goal is not just selling a policy—it’s building lasting relationships and offering ongoing support year after year.

For trusted health insurance, Medicare plans, life insurance, disability coverage, and more in Bloomington and surrounding areas, contact Matt at 309-706-8644 today and discover how simple insurance can be with Mainline Benefits.

Areas Served

What We Offer

Our Specialties include:

Free Insurance Consultations
Cancer Policies
Critical Illness Policies

Our Services include:

Health Insurance – Provides coverage for medical expenses including doctor visits, hospital stays, surgeries, and preventive care. Health insurance helps individuals and families manage the cost of healthcare and access necessary treatments.
Medicare Supplements – Also known as Medigap, these plans help cover costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles. They provide added financial protection for seniors.
Medicare Advantage Plans (Part C) Offered by private insurers and include Part A, Part B, and often Part D, plus extra benefits like dental, vision, and hearing.
Disability Insurance – Offers income protection if you become unable to work due to illness or injury. It ensures financial stability by replacing a portion of your income during periods of disability.
Dental Insurance – Covers routine dental care such as cleanings, exams, and X-rays, as well as more extensive procedures like fillings, crowns, and oral surgery. It helps reduce out-of-pocket costs for maintaining oral health.
Life Insurance – Provides financial support to beneficiaries in the event of the policyholder’s death. It can help cover funeral expenses, debts, and provide long-term financial security for loved ones.
Whole Life Insurance – A type of permanent life insurance that offers lifelong coverage and builds cash value over time. Premiums remain fixed, and the policy can be used as a financial asset.
Term Life Insurance – Provides coverage for a specific period, such as 10, 20, or 30 years. It is typically more affordable than permanent life insurance and pays a death benefit if the insured passes away during the term.
Universal Life Insurance – A flexible permanent life insurance policy that combines death benefit protection with a savings component. Policyholders can adjust premiums and coverage amounts over time.
Daily Hospital Benefits – Pays a fixed amount for each day the insured is hospitalized. This benefit helps cover additional costs not included in standard health insurance, such as transportation, meals, or lost income.
Short Term Disability Insurance – Offers temporary income replacement for individuals who are unable to work due to a non-permanent illness or injury. It typically covers a period ranging from a few weeks to several months.
Prescription Coverage – Helps pay for the cost of prescription medications. This coverage may be part of a health insurance plan or offered as a standalone benefit to reduce out-of-pocket drug expenses.
Short Term Health Insurance – Provides temporary health coverage for individuals in transition, such as between jobs or waiting for other insurance to begin. It typically covers emergency care and basic medical services for a limited duration.

Testimonials

On 2/19/2026 Cathy Ellis had this to say:
Matt has helped me tremendously in the last few years on my health insurance.It can be very stressful to figure out plans but Matt made it so easy for me and I’m very happy!Thank You so much Matt! Testimonial written by Cathy Ellis on this site.

On 12/31/2025 Kerri had this to say:
Matt has been so helpful in finding good quality affordable health insurance for our son. We appreciate his willingness to help find the plan that provides the best coverage based on our son’s specific needs. He is also extremely responsive and never leaves us waiting for information and insurance updates. Thank you, Matt! Testimonial written by Kerri on this site.

On 12/16/2025 Craig Hannig had this to say:
Matt is great at finding the best insurance for my family and always returns calls in a timely manner. He goes out of his way to help with questions, concerns and get any issues resolved. One of the best agents I have used. Testimonial written by Craig Hannig on this site.

On 12/11/2025 Becky Byrd had this to say:
We can always count on Matthew to find us the best insurance for our family. He makes it so easy to renew or enroll in new insurance. Always replies to texts or answers his phone. Matthew is the BEST! Testimonial written by Becky Byrd on this site.

On 12/2/2025 Mwy had this to say:
Most congenial knowable person in the industry simply the best in the industry hands down sounds too good to be true give him a call won't be disappointed Testimonial written by Mwy on this site.

Contact Us

Mainline Benefits
Bloomington, IL 61705
Phone: (309) 706-8644
Email: msherman@mlbenefitsco.com

Directly across from State Farm corporate on Veterans Parkway

Where To Find Us

Payment Types Accepted

Visa, MasterCard, American Express, Discover, Debit Cards, Personal Checks

Our Hours

Monday: 9:00 AM - 7:00 PM Depending on appointment, may need to be virtual or over the phone
Tuesday: 9:00 AM - 7:00 PM Depending on appointment, may need to be virtual or over the phone
Wednesday: 9:00 AM - 7:00 PM Depending on appointment, may need to be virtual or over the phone
Thursday: 9:00 AM - 7:00 PM Depending on appointment, may need to be virtual or over the phone
Friday: 9:00 AM - 7:00 PM Depending on appointment, may need to be virtual or over the phone
Saturday: 9:00 AM - 7:00 PM Depending on appointment, may need to be virtual or over the phone

FAQ

What types of insurance do you offer?

We offer a wide range of insurance products including health insurance, dental insurance, life insurance (whole, term, and universal), disability insurance, short-term health and disability coverage, Medicare supplements, prescription coverage, and daily hospital benefits.

How do I know which life insurance policy is right for me?

Choosing the right life insurance depends on your financial goals, budget, and coverage needs. Term life insurance is ideal for temporary coverage, while whole and universal life policies offer lifelong protection and potential cash value. We’re happy to help you compare options.

What is the difference between short-term and long-term disability insurance?

Short-term disability insurance provides income replacement for a limited period, typically a few weeks to months, during temporary illness or injury. Long-term disability insurance covers extended periods and is designed for more serious or permanent conditions.

Do you offer coverage for prescription medications?

Yes, we offer prescription coverage plans that help reduce the cost of medications. These can be standalone or included as part of a broader health insurance package.

What are Medicare supplement plans and who needs them?

Medicare supplements, also known as Medigap plans, help cover costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles. They are ideal for seniors looking to minimize out-of-pocket healthcare expenses.

How can I get a quote or speak with an agent?

You can contact us directly by phone or through our website to request a personalized quote or schedule a consultation with one of our licensed insurance professionals.

Is disability insurance necessary if I already have health insurance?

Yes. Health insurance covers medical expenses, but disability insurance replaces lost income if you’re unable to work due to illness or injury. It’s an important layer of financial protection.

What does dental insurance typically cover?

Dental insurance usually covers preventive care like cleanings and exams, as well as basic and major procedures such as fillings, crowns, and oral surgery. Coverage levels vary by plan.

How do daily hospital benefits work?

Daily hospital benefits pay a fixed amount for each day you’re hospitalized. This can help offset additional costs such as transportation, meals, or lost income not covered by standard health insurance.

Can I get coverage if I’m between jobs or waiting for employer benefits to start?

Absolutely. Our short-term health insurance plans provide temporary coverage during transitions, ensuring you’re protected until your permanent insurance begins.