The Annual Enrollment Period started October 15, 2013 and ended December 7, 2013. Even though open enrollment for the 2014 year has ended, there are still situations where you may qualify to either enroll in a plan, or change the plan you may be currently enrolled in.  Some of those situations include the following: You are turning 65 You have changed where you...

Medicare Part D is the federal government’s prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area. The coverage is available to all people eligible for Medicare, regardless of income and resources, health status, or current prescription expenses. Medicare prescription drug coverage...

Whether Original Medicare alone, Original Medicare plus a Medicare Supplement plan, or a Medicare Advantage plan is right for you will depend on your unique needs and circumstances. Think about what is most important to you when you are healthy and when you are sick. Here are some topics to consider: Receiving care from the doctor and hospital of your choice...

Medicare is the US Federal Government Health Insurance Program for: People 65 years of age and older. Some people with disabilities under age 65. People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant). Medicare has Four Parts: Part A (Hospital Insurance) Most people do not have to pay for Part A. Part B (Medical...

    Consider these facts in deciding if Medicare Supplement insurance for hospital and medical coverage is right for you: Medicare Supplement policies may cover all of your co-insurance, co-pays and deductibles. Medicare Supplement policies may cover health care bills not covered by Medicare. Typically Medicare covers 80% of the medical cost and...

Obamacare or ACA benefits you depending on your insurance status. If you have a Private Insurance: Most of Oregonians, already have a private health insurance, Obamacare or Affordable Care Act (ACA) doesn’t change that, but instead it makes your insurance better and more affordable because today your insurance company can no longer waste your premium on CEO...

The Affordable Care Act (ACA), often referred to as “Obamacare,” is now three years old but the launch of the Health Insurance Marketplace for those without health insurance to purchase affordable plans kicks-off the first of October and that’s why you’re hearing so much about the law. It has nothing to do with Medicare. Medicare beneficiaries, however, have...

If you have an income-generating business with no employees in Oregon, then you’re considered self-employed (not an employer) and will have access coverage through the Marketplace or Cover Oregon. Fortunately, you’re not considered an employer even if you hire independent contractors to do some work. Beginning October 1, 2013, you can use the Marketplace...

GREAT NEWS!!! We are now able to do beginning-to-end processing as fast as 30 minutes. We can now complete an application, receive detailed eligibility information, shop for plans and enroll a client, all in one session in most cases. You’ll find out right away how much financial assistance/tax credit you’ll receive each month to help pay for your...

BEWARE OF FRAUD: Hundreds of thousands of families, individuals and small businesses in Oregon are preparing to qualify for financial assistance and sign up for health insurance and dental plans through Cover Oregon. It’s the new online marketplace where Oregonians can enroll and compare side by side comparisons on medical and dental insurance that fits their...

If you’re unsure how the health reform law will affect your health care costs, you’re not alone.Some details of the Affordable Care Act, health reform’s formal name, will vary state by state. It’s hard to predict all the ways it will affect the insurance system once it’s put into place.Here’s what we know so far. I work for a...

When health insurance enrollment opens on Oct. 1, Oregonians should be able to comparison-shop between plans right off the bat using a look-alike version of the state’s new online marketplace – they just won’t be able to enroll on their own. View full sizeProgrammers are feverishly writing computer code to get the state’s Cover Oregon...

400,980 Oregonians may get financial help to pay a portion of their health insurance plan, according to a recent study by Families USA. About 800,000 Oregonians may also be eligible for no-cost coverage through Medicaid or Healthy Kids. Upon qualification to the exchange, individual will pay their portion to the Exchange and the feds will send the rest to the...

Oregonians that have income below the Federal Poverty Level Chart may qualify for Medicaid or Healthy Kids. Oregon is one of the states that is moving forward with the Medicaid expansion. We’ve been helping Seniors and Medicare recipients qualify for financial assistance like extra help for prescription drugs and choose a Medicare Advantage plan or...

Having health coverage protects you and your family from large medical bills and helps you stay healthy. If you never had any medical insurance, we can help you get started. Many Oregonians, including those who are working, may qualify for financial help or tax credits to help pay your health plan. When an individual or family elects to receive advance monthly...

If you own a business with 50 employees or less,  have an Oregon zip code, and contribute at least 50% of employee only premium. Businesses may also qualify for financial assistance or tax credits to help pay up to 50% of premium costs if the business is paying salaries that average $50,000 or less. Oregon’s small employers account for more than 50% of...