We offer a wide range of plans for all your insurance needs. From Individuals to Medicare Health insurance to Final Expense, the plans we offer will meet all of your Health and Life needs for yourself and your family. Our agents cover Oregon and Washington and beyond with office locations from Longview to Portland/Vancouver to Yakima. Our agents have kiosks in your local neighborhood retail locations.
We want to offer you the most updated information in the Health Industry. Read our blog to stay current on new Medicare Advantage updates, changes in Medicare Supplements rules, and how government changes impact the industry. Medicare Advantage Plans provide additional coverage to Medicare Parts A and B and may provide coverage for things like medication, vision, hearing, dental and other essential care.
The best part about Medicare Supplement Insurance is that it may be tailorable to fit exactly how you need it to. These plans are intended to cover the unexpectedly high prohibitive costs of things like funeral expenses, medical bills and proceedings.
We want to offer you the most updated information in the Health Industry. Read our blog to stay current on new Medicare Advantage updates, changes in Medicare Supplements rules, and how government changes impact the industry. Medicare Advantage Plans provide additional coverage to Medicare Parts A and B and may provide coverage for things like medication, vision, hearing, dental and other essential care.
The best part about Medicare Supplement Insurance is that it may be tailorable to fit exactly how you need it to. These plans are intended to cover the unexpectedly high prohibitive costs of things like funeral expenses, medical bills and proceedings.
Services
Consolidated Insurance Services (CIS) is a Northwest based company whose philosophy is to educate the consumer on all of their options for their insurance needs.
Principal John Esparzo has over 30 years of experience serving the senior markets.
CIS is an independent agency that represents some of the most respected and reputable companies within the industry.
We provide local consumers an opportunity to become educated on all of the insurance products that are available to them.
An agency is only successful when the dignity of its Agents is held in high regard.
Principal John Esparzo has over 30 years of experience serving the senior markets.
CIS is an independent agency that represents some of the most respected and reputable companies within the industry.
We provide local consumers an opportunity to become educated on all of the insurance products that are available to them.
An agency is only successful when the dignity of its Agents is held in high regard.
We are able to offer a wide range of plans for all insurance needs.
From Individual, Medicare Health insurance to Final Expense, the plans we offer will meet all of your Health and Life needs for yourself and your family.
Our agents don't focus on one specific product, but offer their services to our clients and beneficiaries, and help them through the confusing maze that is the insurance industry.
The relationships between Consolidated, the insurance company and our Clients and Beneficiaries does not end with enrollment into a product, rather it continues as a client liaison.
From Individual, Medicare Health insurance to Final Expense, the plans we offer will meet all of your Health and Life needs for yourself and your family.
Our agents don't focus on one specific product, but offer their services to our clients and beneficiaries, and help them through the confusing maze that is the insurance industry.
The relationships between Consolidated, the insurance company and our Clients and Beneficiaries does not end with enrollment into a product, rather it continues as a client liaison.
Medicare Part C (Medicare Advantage plan) covers all the services that Parts A and B, and may also include prescription drug coverage plus extra benefits like vision, hearing, dental and preventive services.
Where you live (based on your ZIP code) often determines which Medicare Advantage Plans are available to you.
You still pay Part B premium, in addition to a monthly premium (unless it has a $0 premium).
Most people who have Medicare Part A and Part B and live in the plan's service area can join a plan, who do not have End Stage Renal Disease.
Where you live (based on your ZIP code) often determines which Medicare Advantage Plans are available to you.
You still pay Part B premium, in addition to a monthly premium (unless it has a $0 premium).
Most people who have Medicare Part A and Part B and live in the plan's service area can join a plan, who do not have End Stage Renal Disease.
All Medicare Supplements were standardized in 1992, in June of 2010 they were Modernized.
Insurance companies that are selling Medicare supplements, all sell the same Modernized plans.
You can go to any doctor any hospital anywhere as long as they accept Medicare.
There are no networks.
The benefits in the Modernized plans do not change unless Medicare changes them.
Depending on the Medicare Supplement plan you have, with Medicare and a Medicare Supplement, you may have 100% coverage.
There will be a premium charge for a Medicare Supplement, but have few additional out-of-pocket expenses.
Insurance companies that are selling Medicare supplements, all sell the same Modernized plans.
You can go to any doctor any hospital anywhere as long as they accept Medicare.
There are no networks.
The benefits in the Modernized plans do not change unless Medicare changes them.
Depending on the Medicare Supplement plan you have, with Medicare and a Medicare Supplement, you may have 100% coverage.
There will be a premium charge for a Medicare Supplement, but have few additional out-of-pocket expenses.
Medicare Advantage Plans (like an HMO, PPO, HMO-POS) that offer Part D, referred to as (MAPD) plans.
You cannot enroll in both a stand-alone Part D plan and a MAPD plan.
Be sure to review the plan's drug formulary with your agent when deciding on a plan.
Once you enroll you'll be Locked-In until the end of calendar year, unless you have an available SEP.
Initial Enrollment Period (IEP): Seven month window, anytime within the three months before your 65th birthday month, the month of your birthday and three months after.
You cannot enroll in both a stand-alone Part D plan and a MAPD plan.
Be sure to review the plan's drug formulary with your agent when deciding on a plan.
Once you enroll you'll be Locked-In until the end of calendar year, unless you have an available SEP.
Initial Enrollment Period (IEP): Seven month window, anytime within the three months before your 65th birthday month, the month of your birthday and three months after.
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