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At Laughlin Insurance, we specialize in health insurance and other programs & services for employers, individuals, and Medicare Beneficiaries.  We offer most health plans in the area, dental plans, disability income insurance, life insurance, compliance resources, and more.  We can help you compare your options and complete enrollment with the programs and rates that meet your needs and your budget.  We also provide ongoing services throughout the year.  Plan options, rates, and provider networks vary depending on the location of your residence.  Tax credits are still available for eligible small employers, and individual health plan consumers who qualify.  The 2018 individual health insurance open enrollment runs form Nov 1 through Dec 15.  Are you ready?  Check out our 2018 individual plan reviews below.  We have licensed and marketplace certified agents standing by, to help with your 2018 review and enrollment. 

2018 Individual Health Plan Reviews Oregon 

Review carrier information below and easily find an affordable health plan HERE


BridgeSpan Health Oregon; BridgeSpan Health is available through the marketplace, depending on the location of your residence. The provider network for this plan in the Portland Metro area is the OHSU Plus network.  Pediatric preventive dental and vision are embedded in most plans, except for the standard plans.  Most options will have in-network coverage only, unless it is an emergency, or pre-approved by the plan.  BridgeSpan is no longer available in Clark County for 2018.  Health Savings Account options are also available. 

BridgeSpan Health Washington; Direct or marketplace enrollment available, depending on consumer residence address.  No Legacy network.  Network hospitals include Peace Health and OHSU.  Vancouver Clinic included.  Pediatric preventive dental and vision are embedded in all plans.  This plan is an exclusive provider network, so there is no coverage out of the network unless it is an emergency or pre-approved by the plan.

Kaiser Health Plan of the Northwest;  Kaiser Health Plan of the Northwest is available direct or through the marketplace.  Provider networks include the Kaiser and Portland Clinics providers and facilities.  Coverage is only available for in-network care, unless it is an emergency, or pre-approved by the plan.  Typical metallic plan options are available including Health Savings Account options and dental. 

Kaiser Health Plan of Washington;  Kaiser Health Plan of Washington recently purchased Group Health Cooperative in Washington state.  Kaiser will be investing about $1 Billion over the next 10 years to expand their service area in the state of Washington.  Read more here. This plan is not available in Clark County Washington, but is available throughout many areas of Washington state.  Typical metallic plans are offered, including Health Savings Account plans, and dental.

Moda Health Plan; Moda Health Plan is available direct or through the marketplace.  Plans are only available for specific locations through Oregon.  Provider networks include the Beacon Network.  Plan members must select a primary care provider at enrollment.  Typical metallic plans are offered, including Health Savings Account plans, and dental. 

PacificSource;  PacificSource is available direct or through the marketplace.  Networks include SmartChoice Tuality, and Legacy networks, depending on the location of your residence.  Providence and OHSU providers not covered on this plan.  Typical metallic options are available including Health Savings Account plans and dental.

Providence Health Plan; Providence is available direct or through the marketplace.  Provider networks include the Choice, and Connect Medical Home network, and the Signature network, depending on your product selection, and residence location.  Plans with the Choice and Connect networks require the selection of a Medical Home for all enrolled members.  The Signature network plan options are limited mainly to those outside of the Portland Metropolitan area.  Typical metallic plans are offered, including Health Savings Account options, and dental.  Urgent Care out of the service area may be covered as an in-network benefit if it is pre-approved by your Medical Home, and you use a Providence Signature network urgent care facility.  Dental is available for individual plan members.  Providence Individual & Family plans for 2018 do not provide any out-of-network benefits (except for emergency services). Other commercial plans for the large and small group markets will continue to include out-of-network benefits. For 2018, Providence individual members on Choice and Connect Network plans, will be required to select a Medical Home and use only providers within the Medical Home clinic.  If you have a primary care provider or other providers who are in the Choice or Connect Networks, but not in your Medical home, then you will need a referral from your Medical Home if you want to see providers who are not in the Medical Home clinic that you select. If this does not work for you, then contact your agent, so we can help you review other carriers and options for the new year.

Regence BlueCross BlueShield of Oregon;  Regence BlueCross is not available through the marketplace.  Provider networks include the RealValue or OHSU Plus networks, depending on your residence location.  Hospitals OHSU Plus Network, Adventist, Tuality.  College children have access to MDLIfe-Blue Card emergencies only.  Most options will have in-network coverage only, unless it is an emergency, or pre-approved by the plan.  Health Savings Account options are also available.

2018 Individual Health Plan Reviews Washington

Kaiser Foundation Health Plan of the Northwest;  This is the Kaiser program that is available for those who reside in Clark and Cowlitz counties.  Kaiser is a managed care health plan with low premiums.  Many medical services are provided in one facility, which can add convenience, and save time.  It is also believed that this type of managed care may result in better care outcomes, and better member care experiences.  This plan offers individual health plans direct, or through the Washington Health Insurance marketplace called The Washington Healthplanfinder.  There is no coverage out of the Kaiser or affiliated providers, unless it is an emergency, or pre-approved by the plan.  Typical metallic plans are available, including the low cost Health Savings Account Bronze Plan.

Kaiser Foundation Health Plan of Washington;  This is the Kaiser program that is available for those who reside in many counties in Washington, except for Clark and Cowlitz county.  Members on this plan may use Kaiser facilities, or there may be affiliated facilities.  Kaiser Washington announced recently that they will be investing $1 Billion over the next 10 years to expand the Kaiser system in the state of Washington.  Read more about the Kaiser expansion here

Regence BlueCross BlueShield of Oregon;  This plan is available in Clark County.  We can help with plan reviews, provider searches, and enrollment.

Note:  There may be other carriers for individual health insurance in Oregon and Washington, but these other carriers have banned consumers from using licensed and marketplace certified agents and brokers, because they don't want to pay an agent to help you with marketplace, tax credits, cost share reduction benefits, plan comparisons, enrollment services, help with claims, advanced Medicare planning, Oregon Health Plan and Washington Apple Health, ongoing advanced licensed and certified marketplace broker services throughout the year, and more.


2018 Individual Dental Plan reviews

Moda Health dental plans;  Moda offers various individual dental plans.  The Premier plan is discontinued for 2018.  The Delta Dental Exclusive PPO will require 30% cost share for preventive care for the new year.  Rates will vary depending on plan selection and age.

Nationwide Dental; This is a good alternative to the Moda dental plans.  This plan has various options. Review and enroll in Nationwide Dental here.

Willamette Dental; Short waiting periods, unlimited benefits, integrated delivery model.  Members must receive dental services at a Willamette Dental facility for coverage to be effective.

2018 Short-Term Plans

Some consumers are still purchasing short-term medical plans, and also paying the penalty to the government at the same time, if income requires a penalty to be paid.  If a consumer is above about 139% of the federal poverty level and purchases a short-term medical plan, there would be an expected penalty from the government of 2.5% of gross income.  Short-term medical plans can be 1/3 of the cost of an Affordable Care Act qualified plan.  Short-term medical plans do not cover pre-existing conditions.  Some plans require that applicants answer medical questions.  Some plans require a monthly association membership fee, and plans require a one-time application processing fee of about $20. Review plan options and apply for coverage by following the links below;

Everest Short-Term Medical
International Travel Short-Term Medical Plan
LifeMap Short-Term Medical
LifeShield Short-Term Medical



2018 Employer Group Programs

Small employers; small employers have between 2 and 49 employees.  A typical group plan may include a basic bronze medical plan, and buy-up options for employees who need or want more coverage.  Some tax advantages and incentives for certain eligible employers.  Some employers are receiving the small business health care tax credit if they meet the qualifications and purchase a qualified group health plan.

The federal Small Health Options Plan (SHOP); this program at healthcare.gov is not available in Oregon at this time.  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; an applicable large employer is an employer with more than 50 employees.  The Affordable Care Act required employers with more than 50 employees to provide minimum essential health coverage to all employees working 30 or more hours per week.  Large employer group health insurance rates have been stable. 

We have been receiving positive feedback about our health insurance services.  You can read our customer testimonials
here

Paris Laughlin
Agent and Certified Marketplace Broker
Healthcare.gov agent user id PLAUGHLIN63 
National Producer Number 1012000

Stuart Ouellette
Agent and Certified Marketplace Broker
Healthcare.gov agent user id Stuarto63 
National Producer Number 3468051
 
Victoria Monteblanco
Agent and Certified Marketplace Broker
Account Manager