We proudly work with all the major carriers in the Portland, Vancouver, Phoenix, and Dallas markets. When it comes to insurance, I know that making the right choices for you and your family can be daunting. To help you make the right decision I take a commonsense approach - I ask questions, listen to your answers and only then recommend the type of policies that will fit your particular needs.
I help families and individuals find affordable health insurance year round. Whether you need coverage for pre-existing conditions, coverage for short term between group plans, or help transitioning to Medicare, I am here to help you and my services are Free. I feel that every American deserves to have affordable health coverage and feel secure knowing that if they have a catastrophic health event that they will not have a huge financial burden.
Let me help reduce your financial risk.
I help families and individuals find affordable health insurance year round. Whether you need coverage for pre-existing conditions, coverage for short term between group plans, or help transitioning to Medicare, I am here to help you and my services are Free. I feel that every American deserves to have affordable health coverage and feel secure knowing that if they have a catastrophic health event that they will not have a huge financial burden.
Let me help reduce your financial risk.
Services
We handle all types of personal and business insurance needs.
Our firm is staffed by people committed to providing our clients with highly personalized service.
Our objective is simple: To identify and help minimize our clients' exposure to risk.
We accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of insurance matters.
Our approach is direct: To analyze our clients' complete insurance needs, design a responsible protection program, and recommend insurance that is a cost effective insurance strategy designed for your individual situation.
Our firm is staffed by people committed to providing our clients with highly personalized service.
Our objective is simple: To identify and help minimize our clients' exposure to risk.
We accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of insurance matters.
Our approach is direct: To analyze our clients' complete insurance needs, design a responsible protection program, and recommend insurance that is a cost effective insurance strategy designed for your individual situation.
Health insurance is a critical to helping you control your health care costs.
You pay health care companies a premium - a set amount of money each month - and you get benefits to pay for your eligible health care expenses.
This can include regular doctor checkups or injuries to treatment for long-term illnesses.
You can purchase individual health insurance through the Health Insurance Marketplace on your own or we can help you work through your options.
We all know how expensive health care can be.
You pay health care companies a premium - a set amount of money each month - and you get benefits to pay for your eligible health care expenses.
This can include regular doctor checkups or injuries to treatment for long-term illnesses.
You can purchase individual health insurance through the Health Insurance Marketplace on your own or we can help you work through your options.
We all know how expensive health care can be.
There are different types of Marketplace health insurance plans designed to meet different needs.
Some types of plans restrict your provider choices or encourage you to get care from the plan's network of doctors, hospitals, pharmacies, and other medical service providers.
Others pay a greater share of costs for providers outside the plan's network.
Here is an overview of the types of marketplace plans available to you.
Depending on how many plans are offered in your area, you may find plans of all or any of these types at each metal level - Bronze, Silver, Gold, and Platinum.
Some types of plans restrict your provider choices or encourage you to get care from the plan's network of doctors, hospitals, pharmacies, and other medical service providers.
Others pay a greater share of costs for providers outside the plan's network.
Here is an overview of the types of marketplace plans available to you.
Depending on how many plans are offered in your area, you may find plans of all or any of these types at each metal level - Bronze, Silver, Gold, and Platinum.
Under the Affordable Care Act (ACA), fully insured small group and individual health plans on and off the Exchange/Marketplace must cover essential health benefits (EHB).
Essential health benefits are minimum requirements for all plans in the Marketplace.
Plans may offer additional coverage.
You will see exactly what each plan offers when you compare them side-by-side in the Marketplace.
Ambulatory patient services (outpatient care you get without being admitted to a hospital).
Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy).
Essential health benefits are minimum requirements for all plans in the Marketplace.
Plans may offer additional coverage.
You will see exactly what each plan offers when you compare them side-by-side in the Marketplace.
Ambulatory patient services (outpatient care you get without being admitted to a hospital).
Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy).
Under the Affordable Care Act, health insurers and self-funded employers must provide a uniform Summary of Benefits and Coverage (SBC) to people who apply for and enroll in health policies.
This information allows you to make "apples-to-apples" comparisons when you're looking at different coverage.
All individual and group health policies must use the same standard form to help you compare policies.
The SBC also includes details, called coverage examples, which allow you to see what the policy would cover in two common medical situations: diabetes care and childbirth.
This information allows you to make "apples-to-apples" comparisons when you're looking at different coverage.
All individual and group health policies must use the same standard form to help you compare policies.
The SBC also includes details, called coverage examples, which allow you to see what the policy would cover in two common medical situations: diabetes care and childbirth.
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