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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 service throughout the year, and at each renewal. Tax c
redits are still available for eligible small employers, and individual health plan consumers who qualify. 

The 2019 individual open enrollment is from Nov 1 through Dec 15.  The 2019 Medicare Annual Election period is from Oct 15 through Dec 7.  Our 2019 plan reviews are below.  Your licensed and certified agents are ready to help with your 2019 health & dental plan reviews and enrollment.      

2019 Individual Health Plan Reviews for Oregon

The 2019 Standard Bronze Plan will no longer be HSA Qualified.  HSA plans are available.  A plan change request is required to change to the new year HSA qualified plan option.  If a plan change is not submitted by the deadline, then the plan will renew as a non-hsa qualified Standard Bronze Plan.

Providence Signature Network.  The marketplace may be showing some Signature Network information for certain counties, where the Signature network may not actually be available.  Providence Choice and Connect Medical Home Networks are used for most members, and the Signature may be available, but only in approved counties.

Short Term Medical plans limited to 90 days per year.

 BridgeSpan Health Oregon; BridgeSpan Health is available through the marketplace. 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.  Review options, get rate quotes, check for financial help, and apply for coverage here.

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.  Review options, get rate quotes, check for financial help, and apply for coverage here.  

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, and the new Cornerstone Legacy Health Network.  Plan members must select a primary care provider at enrollment, but referrals are not required. Review options, get rate quotes, check for financial help, and apply for coverage here.

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. This will be a low price health plan for 2019. Review options, get rate quotes, check for financial help, and apply for coverage here.

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.  Providence Connect and Choice members 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 Connect or Choice Networks. Review provider network to be sure your providers are on the plan you want. Review options, get rate quotes, check for financial help, and apply for coverage here.

Regence BlueCross BlueShield of Oregon;  Regence BlueCross is available direct only.  Consumers may not use the advanced premium tax credit at this plan. Provider networks include the OHSU Plus or the Individual and Family Plans Network, depending on your residence location. Hospitals OHSU Plus Network, Adventist, Tuality. Review options, get rate quotes, and apply for coverage here.

 

2019 Individual Health Plan Reviews for Washington

BridgeSpan Health Washington;  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.  Contact us for marketplace enrollment assistance.  Review options, get rate quotes, check for financial help, and apply for coverage here.

Kaiser Foundation Health Plan of the Northwest;  Kaiser Northwest plans are 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.  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.  Review options, get rate quotes, check for financial help, and apply for coverage here

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.  Review options, get rate quotes, check for financial help, and apply for coverage here

Molina Health Plan of Washington;  We offer Molina Health Plan of Washington.  The provider network for this plan is the Peace Health Network.  This plan is only available through the Washington Healthplanfinder exchange marketplace. Review options, get rate quotes, check for financial help, and apply for coverage here.

Regence BlueCross BlueShield of Oregon;  This plan is available in Clark County.  We can help with plan reviews, provider searches, and enrollment.  Review options, get rate quotes, check for financial help, and apply for coverage here.


2019 Individual Dental Plan reviews Oregon and Washington

Kaiser Health Plan; Kaiser has three dental options. One of the dental options has unlimited benefits at 50% coverage after a deductible of $50.  Kaiser also has no waiting periods before you can use the plan for dental care. Kaiser does not offer stand-alone individual dental plans, so you will want to look at the Kaiser dental options if you are enrolling in a Kaiser individual medical plan.

Moda Health dental plans;  Moda offers various individual dental plans including the Pediatric Preventive Dental for Oregon residents.  The Delta Dental Exclusive PPO will continue to be a popular dental plan.  Rates will vary depending on plan selection and age.  Preventive care is available immediately.  There is a six month waiting period for basic services, and a twelve month waiting period for major services, unless applicants have had twelve months of continuous creditable dental coverage with no lapse of coverage immediately before a new plan start date with Moda.  Consumers may only apply for Moda dental plans during the annual open enrollment, of if they have a special enrollment period.  Review options, get rate quotes, and apply for coverage here.

Nationwide Dental; This plan has various options. Review and enroll in Nationwide Dental here.

PacificSource;  Review options, get rate quotes, and apply for coverage 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.  Review options, get rate quotes, and apply for coverage here.

2019 Short-Term Medical Plans

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 non-refundable application processing fee of about $20. Short term medical plans are available for 90 days per year.  A consumer may not purchase a short-term medical plan for more than 90 days in one year.  Review short term medical plan options, get rate quotes, and apply for coverage at the links below.  Contact your agent if you have questions, or if you need assistance with short term medical plans.

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



2019 Medicare Advantage and Supplement Plans

We have completed our Medicare certifications, and carrier annual meetings.  We are now prepared to bring you a variety of qualify Medicare Advantage Prescription Drug Plans, and Medicare Supplement Plans and Prescription Drug options.  Contact us to review your Medicare Options during your initial election period, or during the 2019 Medicare Annual Election Period.  The Medicare Annual Election Period runs from October 15 through Dec 7. Review Medicare Advantage Prescription Drug plans here, and review Medicare Supplement plans here.

2019 Employer Group Programs

Small employers; small employers have between 1 and 49 employees.  Small group rate increases have slowed down for 2019.  The 2019 approved small group average rate changes are here.  Some employers are receiving the small business health care tax credit if they meet the qualifications and purchase a qualified group health plan.  The 125b pre-tax program is still popular, which allows employees to contribute for group health insurance without taxes, and employer do not need to match payroll tax on employee plan contributions.  2019 final rate approvals are online here.

The 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 id PLAUGHLIN63 
National Producer Number 1012000

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

Kai Krokum
Office Support