Insurance can be confusing. We can help decipher the options
and match you with the best plans.
We know that going to the dentist and the eye doc is no fun. But if you’re here, you know how important having insurance and taking care of your eyes and teeth are. With the right insurance plan, regular checkups can be close to free for you.
Ancillary health insurance products (supplements) are additional coverages that may be added to your health insurance plan. These include short and long-term disability, long-term care, cancer and critical illness, and accidental death and dismemberment. Travel insurance can be purchased as a stand alone policy or as a supplement to your current health plan.
How do I know which plan is best for me and my family?
Start by learning how health insurance works. Make a list of questions before you choose a health plan. Gather information about your household income and set your budget for health insurance. Learn the difference between different types of plans (like PPO, HMO, and POS) so you can decide which one is best for you and your family. Learn more at Healthcare.gov or schedule a free consultation with Jason Vance here.
I have Medicare. Will my Medicare coverage change under the health reform law?
You will continue to be covered through the Medicare program. The new law does not cut Medicare benefits or increase seniors’ out-of-pocket Medicare costs or deny seniors end-of-life care. Medicare beneficiaries are already receiving some additional benefits as a result of the law. They include an annual wellness exam at no cost, no cost-sharing for preventive services and increased discounts on prescription drugs.
What is the difference between bronze, silver, gold and platinum plans?
In order to be included in the Health Insurance Marketplace, each insurance company can offer four different types of “qualified” health insurance plans– Bronze, Silver, Gold, and Platinum.
A Bronze Plan will cover 60% of health care costs with the consumer responsible for paying 40%. For Silver Plans, insurance companies pay 70% of costs and the consumer pays 30%. For Gold Plans, the split is 80%-20% and for Platinum, the split is 90%-10%. In general, the more the company covers, the more the consumer will pay for the premiums.
For those with income below 250% of the federal poverty level, there are limits on costs that consumers must pay, depending on the plan they choose. For example, someone with income between 100% and 133% of the poverty level who is enrolled in a Silver Plan will pay only approximately 6% of health care costs and the insurance company will pay 94%. Those above 250% of poverty will still pay 30% in a Silver Plan.
What’s the difference between a deductible, a copayment, and coinsurance?
All three are medical charges you must pay out of your own pocket, even if you have insurance. Your deductible is the initial amount you must pay each year for covered health services before your insurer will start to chip in. Plans may have separate individual and family deductibles and/or deductibles for separate services such as hospitalization. A copayment is a fixed amount you pay toward each medical service, such as $25 for a checkup. Coinsurance is a fixed percentage, rather than a flat amount, that you pay toward each service.
Our local team is ready with expert advice about your insurance needs. Being local, we depend on our reputation of quality service and cost savings.
Insurance laws change often. We don’t expect you to be up to speed on the latest news and changes to policies. That’s what we are here for. Because our services are focused on health insurance and related benefits, you can be confident in our expertise. Our team of agents is ready to assist you from beginning to end.
Our services are free. Since we’re appointed by nationally recognized insurance providers, you’ll pay the exact same premium as you would if you purchased your plan directly from the insurance providers themselves.
Here’s what just some of our clients have said
“Jason is an outstanding agent who goes the extra mile for his clients. He makes you feel like your needs are a priority in every way. Thank you, Jason, for your expertise and assistance in helping us with all of our insurance needs for our family and our businesses. Another huge thank you for your guidance with tailoring the right insurance for our company along with providing great attention to our employees.”
“Jason Vance is the best insurance person that I have had the pleasure of doing business with in my lifetime. I am 77 years old and have had many insurance agents throughout the years. Jason is not only personable and knowledgeable about his products, but he is also patient and understanding. He answers all my questions and explains how my policies work for me. I recommend Jason without any hesitancy.”
“Jason was instrumental in helping us choose the right health insurance and dental plans for our family. He went above and beyond to find the right plan for us and even made sure all our preferred doctors would be covered under our new plan. He has been responsive to follow up questions as well. I can highly recommend Jason for your insurance needs.”
Request a Call Back
Would you like to speak to one of our insurance brokers over the phone or in person? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer.
For Businesses: Do you have questions about how NW Health Plans can help your company and employees? Send us an email and we’ll get in touch shortly, or phone (360) 922-6142 between 08:00a and 6:00p Monday to Friday — we would be delighted to speak to you.