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HC Insurance
Don Brown was a career educator whose profession advanced to the level of a building principal of a large suburban middle school. Interested in helping others, Don decided to pursue a new and challenging occupation as an insurance agent. He is an excellent communicator and has a track record of treating others with integrity, compassion, and respect.

Working as an independent broker, he is able to offer a wide variety of health insurance products and will find a plan that best meets your needs. Insurance products that are tailored to meet YOUR needs for small business owners, self-employed, individual, & families.
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Obtaining health insurance no longer requires medical underwriting or has pre-existing exclusions when enrolling in a plan.
The "Open Enrollment Period" is when one can annually shop around and change plans.
If an individual and/or family member experiences a "Life Changing Event", they may be eligible to enroll in a plan outside of the Open Enrollment Period.
The is called a Special Enrollment Period.
The Special Enrollment Period is typically open for 60 days after the life changing event occurred.
The Oregon Health Plan (OHP) is our state Medicaid program.
It provides health care coverage for low-income Oregonians from all walks of life.
This includes working families, children, pregnant women, single adults, seniors and more.
Our mission is to provide health coverage to low-income individuals and families, making sure they can access basic health care needs.
Improve the health of Oregonians by improving quality of care and access to preventive services.
If you think you may qualify for the Oregon Health Plan, you should visit OregonHealthCare.gov.
Are you turning 65 or getting ready to retire and lose employer group coverage?
It is wise to start learning about Medicare even if you aren't planning on retiring at 65. Medicare has guidelines and timeframes that are subject to change and if you don't enroll when you are first eligible, there could be late enrollment penalties.
A good rule of thumb is to contact us or Medicare 4-6 months prior to turning 65, even if you or a spouse are still working.
You may also be new to Medicare due to being deemed disabled through Social Security.
It was created to assist in making drug coverage more affordable for Medicare beneficiaries.
Medicare Prescription Drug Plans are available through private insurance companies that are contracted with Medicare.
The Center for Medicare and Medicaid Services created the structure for the Part D plan and the insurance companies must adhere to their guidelines.
Some men and women who aren't taking prescription medications may think they do not need to enroll in Part D when they become eligible for Medicare.
Medicare Supplement plans, sold by private insurance companies, can help pay some of the remaining Original Medicare health care costs, like deductibles, copayments, and coinsurance.
Medicare Supplement plans are also called Medigap plans.
Medigap plans are only required to cover the benefits and services Original Medicare covers.
However, some Medigap plans also offer coverage for services that Original Medicare doesn't cover, like emergency medical care when you travel outside the U.S.
Medigap plans are subject to state and federal regulations.
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