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Thank you for visiting our web site. We specialize in health care plans for individuals, and employers.  We offer dental plans, disability insurance, life insurance and many other programs and services.  We can help you check for eligibility for the health care tax credit and other benefits.  We can help you compare your options and complete enrollment.  All plans are guaranteed, and there are various methods for enrollment.  Get ready for health insurance, and then enroll before the deadline of December 15th.  We have certified agents standing by to answer your questions, make plan recommendations, and complete your enrollment.  

Below are some popular individual health plans for 2016

Providence Health Plan Connect plans; this is a low premium health plan for 2016.  The
Medical Home model of care provides substantial savings to the health plan, so they offer this plan for a lower premium.  You choose a medical home from the Connect Network and a primary care provider.  Referrals to specialists or other services are necessary. This plan includes an accident benefit, generic pharmacy copay, mental health, alternative care, adult vision, and pediatric preventive dental.  Some consumers are finding their providers in the Connect Network.  This plan has various levels of co-pays, deductibles, and out of pocket maximums, so you can have the benefit package and price that meets your health needs and budget.  This plan can be purchased with the advanced premium tax credit for those who qualify. 
Check for the tax credit
here
Check the provider network here
Enroll direct in this plan here
Request a paper application here

Providence Balance 6800; the Providence Balance 6800 is a popular lower cost bronze level plans that has co-pays for numerous services.  This plan includes the Providence Signature Network.  A network of nearly 1 million providers nationwide.  This plan includes copays for primary care, specialist, alternative care, urgent care, outpatient mental health, chiropractic, acupuncture, generic and preferred brand prescription drugs, and adult vision exam.  This plan includes the required pediatric preventive dental.  This plan is can be purchased with a tax credit.     
Check for the tax credit
here
Check the provider network here
Enroll direct in this plan here
Request a paper application here

Moda Standard Silver; The Standard Silver plan benefits are staying the same as 2014 and 2015.  The Standard Silver is the same plan design at all carriers. There are
copays for primary care, specialist, urgent care, outpatient mental health, physical therapy, generic prescriptions, and preferred brand prescriptions.  This plan comes with the Moda Beacon Network.  Providence providers are not covered on the Beacon network for 2016.  This plan is good for those with some health needs and who need copays for a variety of provider types.  The preferred brand copay of $50 can help with some brand prescriptions.  The out of pocket maximum is staying at $6,350.  This plan can be purchased with a tax credit.  
Check for the tax credit
here
Check the provider network here
Enroll direct in this plan here
Request a paper application here

Moda Be Prepared Silver; this is a higher level silver plan with $30 co-pays for many types of outpatient care including primary care, specialty care, and urgent care.  This plan includes alternative care, an accident benefit, and the pediatric preventive dental.  This plan also comes with the Beacon Network.  Providence will not be part of the Beacon Network for 2016.  This plan is good for consumers who have high medical needs and who like alternative care benefits.
Check for the tax credit here
Check the provider network here
Enroll direct in this plan here
Request a paper application here

Marketplace agent information
If you use
www.healthcare.gov and want Paris Laughlin or Stuart Ouellette to serve your as your certified agents, then please include them when you register for your marketplace account.  We can help you with marketplace creation, and identity verification.  The marketplace account setup program requests your agent name during the account setup.  Please use the agent marketplace identification below;

Paris Laughlin; PLAUGHLIN63, NPN 1012000
Stuart Ouellette; stuarto63, NPN 3468051


Popular individual dental plans for 2016

Moda EPO Delta Dental Network Plan; this is still a good value for private dental plans.  For 2016, Moda removed the deductible, and increased the benefit maximum to $1,500.  This is a good plan for those who can use the Dental Dental Network providers.  The rate is $31 per month per person.
If you are an existing member, you can renew online by logging on to your member web site
here.
Request a paper application
here

Moda Premier Dental; this is a new network.  This plan offers $1,000 annual benefit maximum, 100% preventive care, 70% basic care, $50 deductible.  This plan works for consumers who use a dentist in the Premier Network.  This plan is $39 per month per person.







Employer programs update 2016

Small employers
- Small employers have between 1 and 50 employees.  Oregon group health plan rates have decreased with some carriers for 2016. 
A typical group plan may include a basic base contributory bronze medical plan, buy-up options for those who need or want more coverage, some tax advantages and incentives for eligible employers.  

The federal Small Health Options Plan (SHOP); this program is not expected to be available until later in 2016 for Oregon employers.  SHOP is a web based health insurance solution for small employers.  The small employer health insurance tax credit seems to still be working form some employers.  Oregon employers who want a tax credit will need to have a qualified carrier and product and then request the plan certification from the carrier or Oregon Health Insurance Exchange for your tax advisor. The small employer health insurance tax credit is expected to have a 24 month maximum.  We have small employer activity in the Washington Healthplanfinder. 

Large Employers - Large employers have more than 50 employees.  The employer responsibility provision of the Affordable Care Act will begin starting 2015 and 2016.  We have seen 0%-5% rate increases for large employers.  Employers with 100 or more employees are required to offer a basic bronze level health plan now to employees.  Employers with 50 to 99 employees will soon have to provide basic health insurance to employees or pay a penalty to the government.  

We have been receiving good feedback about our health insurance services.  Thank you for allowing us to help you with your important health insurance and other insurance needs.  You can read our customer testimonials
here.  

Paris Laughlin
Healthcare.gov agent user id PLAUGHLIN63 
National Producer Number 1012000

Stuart Ouellette
Healthcare.gov agent user id Stuarto63 
National Producer Number 3468051
 
Susan Pitcher 
Healthcare.gov agent user id PitcherS10746 
National Producer Number
6241956

Rachel Laughlin
Marketing and Communications

Rebecca Laughlin 
Office Assistant