Insurance By Design, LLC is an independent insurance brokerage based in Federal Way, Washington. We provide medical, dental, life, and disability insurance solutions to individuals, families, the self-employed, and employer groups. We consult with you to conduct a thorough needs analysis. We then research the marketplace to design and recommend a customized benefits package to best meet your needs and budget.
We are licensed and appointed to represent most major insurance carriers, associations, and trusts. At Insurance By Design, LLC our goal is to offer friendly, sound advice regarding the best insurance products available to fit your particular situation.
We are licensed and appointed to represent most major insurance carriers, associations, and trusts. At Insurance By Design, LLC our goal is to offer friendly, sound advice regarding the best insurance products available to fit your particular situation.
Services
Insurance By Design, LLC is a locally owned and operated insurance brokerage established in 2007 by owner Kimberly Thomas.
We specialize in designing affordable benefit packages to individuals & families, the self-employed, and employer groups of any size.
Benefits include medical, dental, life, vision, & disability insurances.
We also partner with general agencies specializing in life and disability to provide the best products and service available.
We have strong relationships with the carrier reps and industry professionals to stay abreast of the latest product offerings and healthcare regulations.
We specialize in designing affordable benefit packages to individuals & families, the self-employed, and employer groups of any size.
Benefits include medical, dental, life, vision, & disability insurances.
We also partner with general agencies specializing in life and disability to provide the best products and service available.
We have strong relationships with the carrier reps and industry professionals to stay abreast of the latest product offerings and healthcare regulations.
If you do not have access to group insurance offered by an employer, there are several options available to you in the individual marketplace.
For those who qualify for a tax credit based on household income and family size, you'll need to apply for coverage inside of the Washington Healthplanfinder exchange.
If you do not qualify for a tax credit, you can apply in the individual private market.
Each carrier offers different plan designs and premiums based on Gold, Silver, Bronze, or HSA plans that may suit your needs better than others.
For those who qualify for a tax credit based on household income and family size, you'll need to apply for coverage inside of the Washington Healthplanfinder exchange.
If you do not qualify for a tax credit, you can apply in the individual private market.
Each carrier offers different plan designs and premiums based on Gold, Silver, Bronze, or HSA plans that may suit your needs better than others.
There are many dental plan options to choose from in the individual marketplace.
Traditional dental insurance offers a set annual maximum, a small deductible for basic and major services, and increasing coinsurance coverage for Class I, II, and III services.
Provider networks are usually more extensive.
If you're willing to switch to a smaller network, there are affordable copay plans that can really save you money.
These plans typically offer no deductibles, no waiting periods, no annual maximums, and reasonable copays for dental services.
Traditional dental insurance offers a set annual maximum, a small deductible for basic and major services, and increasing coinsurance coverage for Class I, II, and III services.
Provider networks are usually more extensive.
If you're willing to switch to a smaller network, there are affordable copay plans that can really save you money.
These plans typically offer no deductibles, no waiting periods, no annual maximums, and reasonable copays for dental services.
If your medical plan does not cover vision, or you just want a stand alone vision plan, the individual VSP Choice Plan has got you covered.
The Well Vision Exam is a $15 copay every 12 months, Lenses are a $25 copay every 12 months, and Frames are paid up to $130 every 24 months, with a 20% discount off the amount over your allowance.
Please ignore the Dental Plans listed on this Vision link as they are noncompetitive in Washington.
The Well Vision Exam is a $15 copay every 12 months, Lenses are a $25 copay every 12 months, and Frames are paid up to $130 every 24 months, with a 20% discount off the amount over your allowance.
Please ignore the Dental Plans listed on this Vision link as they are noncompetitive in Washington.
Life Insurance is an extremely important component of your overall financial plan.
If an unexpected death should occur, the proceeds from a life insurance policy create an estate to help settle debts, pay for final expenses, and provide income for surviving family members.
The amount and type of life insurance needed will vary with each person's situation.
You may be single with few assets, married with children, a single parent, or perhaps a grandparent wanting to leave a legacy.
Future changes in family size, assets, or increasing income may affect the amount of life insurance you will need as well.
If an unexpected death should occur, the proceeds from a life insurance policy create an estate to help settle debts, pay for final expenses, and provide income for surviving family members.
The amount and type of life insurance needed will vary with each person's situation.
You may be single with few assets, married with children, a single parent, or perhaps a grandparent wanting to leave a legacy.
Future changes in family size, assets, or increasing income may affect the amount of life insurance you will need as well.
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