Broker Compensation Disclosure
We offer many health insurance carriers and options for employers, Medicare beneficiaries, and individuals, in Oregon and Washington state.
Individual Health Plans: If you need private health insurance because you work for yourself, or because you lost coverage through your job, then we can help you with individual health insurance. We offer individual health plans direct with carriers, and through the healthcare.gov and Washington Health Plan Finder Marketplaces. As licensed and certified marketplace brokers, we can help you compare available plans, check for tax credit, check for help with out of pocket costs, check to see if your doctors are in the network for the plan you want, full plan review, and full online enrolment service right over the phone. If you have coverage through one of the marketplaces, and have a tax credit, be sure to report any life changes to the marketplace that may affect your eligibility or your tax credit, or benefits. Review and apply for individual plans here.
- BridgeSpan - OR/WA, Marketplace only, PeaceHealth Network
- Kaiser Health Plan of the Northwest - OR/SW Washington Direct and through the marketplaces
- Kaiser Health Plan of Washington - WA/non-Clark County Washington, Washington Health Plan Finder
- LifeWise Health Plan of Washington - WA Clark County, Washington Health Plan Finder
- Moda Health Plan - OR, Direct or Marketplace
- Molina Health Plan - WA, Washington Health Plan Finder, PeaceHealth Network
- PacificSource Health Plan - OR/WA, Direct or Marketplace, Navigator and SmartChoice Networks
- Premera BlueCross - Select Washington areas, not Clark County
- Providence Health Plan - OR/WA, Direct or Marketplace, Choice and Connect Networks
- Regence BlueCross BlueShield of Oregon - OR/Clark County WA, Direct Only - Apply Here
TAX CREDIT - The Advanced Premium Tax Credit helps many to pay monthly health insurance premiums. The tax credit is based on income, tax filing status, and other information about the applicant. Let us know if you have questions about the individual health insurance tax credit.
Employer Health Plans: Currently employers with 50+ employees are required to provide basic health insurance to eligible employees. Employers with fewer than 50 employees are not required to provide health insurance to employees, but many of them do. Many small employers are partnering with their employees to purchase group health insurance, and share in the premium cost, and there are some favorable tax treatments for sponsoring or participating an an employer health plan. The employee cost through group health plans, with the employer contribution, and pre-tax savings, can be lower than what the employee would pay for a private plan. Health plans are typically PPO, EPO, and HMO plans. Some small employer health plans options are tax credit qualified, so eligible employers can get back up to 50% of their premium contribution for up to 24 months. Eligibility is based on group size, and average employee income, not counting owner salary. Non-profit organizations may also qualify for a tax credit up to 35%. We offer online employer and employee enrollment for groups up to 49 employees, at participating carriers.
- Health Net - Online enrollment
- Kaiser Health Plan of the Northwest - Tax qualified plans, and online group enrollment
- Kaiser Health Plan of Washington
- Moda Health Plan - Tax qualified plans
- PacificSource Health Plan - Tax qualified plans and online group enrollment
- Providence Health Plan - Tax qualified plans and online group enrollment
- Regence BlueCross of Oregon
TAX CREDIT - This Affordable Care Act program can provide employers with a tax credit up to 50% of the portion of the premium contributions made by the employer, for the Qualified Health Plans. The tax credit can last for 24 months. Once a qualified plan is purchased, then the plan certification can be requested form the Oregon Health Insurance Marketplace. Employers will receive a certificate that their health plans are qualified, and then employer will give the certificate to their tax advisor to be included in the next tax return. There is a lot of good information and tools available for the tax credit;
Medicare Advantage Prescription Drug Plans and Medicare Supplement (MediGap) Plans: If you will be age 65 in 2019 or 2020, then now would be a good time to call us to learn about your Medicare options, and planning. Medicare Advantage Prescription Drug plans include no cost preventive care, copays for many outpatient services, and hospital care. Pharmacy plans are usually included in Medicare Advantage Plans. Vision, Hearing, dental options, and free gym membership are also included in some plans. Medicare plans are usually available to those age 65 who have worked the required hours over about 10 years, or those who are disabled may be eligible for Medicare plans. Call us if you need assistance with your Medicare options, and enrollment.
Short Term Medical Plans: If you have a disruption in our health insurance coverage due to lay-off, or if you are waiting for a private or employer plan so start, then you may want to have a short term medical health plan. Short Term Medical plans offer major medical insurance for when accidents, illnesses, and the unexpected happen. We have various carriers for short term medical, and international medical plans. These plans usually do not cover pre-existing conditions, and are designed to use for new and unexpected illness or injury, that is not primarily paid by another insurance plan. A non-refundable policy fee may apply. We can help with plan review and enrollment by phone. These type of plans are usually only available in Oregon and Washington for 90 days in one year.