INDIVIDUAL AND GROUP HEALTH
Individual Health Insurance
Individual Health Insurance
- Open Enrollment is November 1st through December 15th each yeat. During The Open Enrollment Period, individual health insurance can be obtained without underwriting and pre-existing exclusions.
- A Special Enrollment Period is a period outside of Open Enrolment where an individual or family experiences a “Life Changing Event” such as: loss of employer group coverage, expiration of COBRA benefits, Birth or Adoption of a child and change of residence state or marriage.
- When making a decision on health insurance plans there is more to consider than just how high of a premium you want to pay. Things such as In and Out of Network, service turn-around time and contracts should be considered. That’s where we come in, let us do the research for you.
- Open Enrollment for 2017 is November 1st through December 15th. During The Open Enrollment Period, individual health insurance can be obtained without underwriting and pre-existing exclusions.
- A Special Enrollment Period is a period outside of Open Enrolment where an individual or family experiences a “Life Changing Event” such as: loss of employer group coverage, expiration of COBRA benefits, Birth or Adoption of a child and change of residence state or marriage.
- When making a decision on health insurance plans there is more to consider than just how high of a premium you want to pay. Things such as In and Out of Network, service turn-around time and contracts should be considered. That’s where we come in, let us do the research for you.
Short Term Medical Insurance
- Short term health insurance is a temporary health insurance plan that covers from 30 up to 185 days in the state of Oregon.
- This type of insurance is available to individuals who are going to experience a gap in their health insurance coverage for certain reasons such as: a change in job, needing coverage prior to group health insurance starting, or seasonal employees.
- Short term health insurance excludes pre-existing conditions which includes any illness or injury that has been diagnosed, treated, or symptomatic in the last 5 years.
Short Term Medical Insurance
- Short term health insurance is a temporary health insurance plan that covers from 30 up to 185 days in the state of Oregon.
- This type of insurance is available to individuals who are going to experience a gap in their health insurance coverage for certain reasons such as: a change in job, needing coverage prior to group health insurance starting, or seasonal employees.
- Short term health insurance excludes pre-existing conditions which includes any illness or injury that has been diagnosed, treated, or symptomatic in the last 5 years.
Tax Credits
- A tax credit is a refundable credit that helps eligible individuals and families cover the premiums for their health insurance purchases through the Health Insurance Marketplace. To be eligible for a tax credit you’ll need to meet certain requirements and file a tax return.
Tax Credits
- A tax credit is a refundable credit that helps eligible individuals and families cover the premiums for their health insurance purchases through the Health Insurance Marketplace. To be eligible for a tax credit you’ll need to meet certain requirements and file a tax return.
Group Insurance
- Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company, sometimes to family members, as a benefit of working for that company.
- Small groups are less than 50 individuals, large groups are more than 50 individuals.
- Group health plans provides multiple tax breaks as well. Some of these are found through employer paid premiums and premium only plans (these allow employee-required contributions to be paid pre-taxed.)
- Group health insurance often encompasses Dental, Vision & Prescription Drug Coverage.
Group Insurance
- Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company, sometimes to family members, as a benefit of working for that company.
- Small groups are less than 50 individuals, large groups are more than 50 individuals.
- Group health plans provides multiple tax breaks as well. Some of these are found through employer paid premiums and premium only plans (these allow employee-required contributions to be paid pre-taxed.)
- Group health insurance often encompasses Dental, Vision & Prescription Drug Coverage.