Cancer is stressful enough on you and your family as it is, in these trying times, we want you to concentrate on healing. If you need cancer insurance, we're here to help you get it today so you can safegard your financial future tomorrow. Looking for Short-Term Health Insurance options? Look no further! Planning ahead when it comes to life insurance, can save you time, stress, and even some cash.
At Northwest Insurance Professionals, we always handle your life insurance wishes with the utmost care and respect. Click for a quote today. Many plans are available within cities or counties, not entire states. Therefore, moving can cause your current carrier to terminate your coverage since you are then outside of their area of service for that particular plan or carrier.
It's always a "best practice" to contact your insurance agent during the planning phase regardless of what is changing about your household. Of course, there are changes that occur that you are not able to plan for or see coming down the road-but make one of your first calls to your insurance agent so they can assist, if needed!
At Northwest Insurance Professionals, we always handle your life insurance wishes with the utmost care and respect. Click for a quote today. Many plans are available within cities or counties, not entire states. Therefore, moving can cause your current carrier to terminate your coverage since you are then outside of their area of service for that particular plan or carrier.
It's always a "best practice" to contact your insurance agent during the planning phase regardless of what is changing about your household. Of course, there are changes that occur that you are not able to plan for or see coming down the road-but make one of your first calls to your insurance agent so they can assist, if needed!
Services
McKinley was born in Texas and raised in Colorado.
He arrived in Spokane in 2005 and in 2009, after 30 years in food & beverage service, he turned his focus to insurance.
Northwest Insurance Professionals has been incorporated since 2012.
McKinley is licensed in both individual (ACA/WA Exchange) and Medicare in Washington and Idaho and is one of a much smaller group of agents who is trained to properly address the low-income population.
McKinley is certified in virtually all products and carriers; including dental, vision, life, disability, hospital indemnity, critical illness, final expense, travel, life, and long-term care, something Washington state residents need to be learning about and preparing for in 2021.
He arrived in Spokane in 2005 and in 2009, after 30 years in food & beverage service, he turned his focus to insurance.
Northwest Insurance Professionals has been incorporated since 2012.
McKinley is licensed in both individual (ACA/WA Exchange) and Medicare in Washington and Idaho and is one of a much smaller group of agents who is trained to properly address the low-income population.
McKinley is certified in virtually all products and carriers; including dental, vision, life, disability, hospital indemnity, critical illness, final expense, travel, life, and long-term care, something Washington state residents need to be learning about and preparing for in 2021.
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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