Saison
INSURANCE
PHONE: 503-317-7844 • FAX: 503-914-1555
MEDICARE ENROLLMENT PERIODS
ANNUAL ENROLLMENT Oct. 15 - Dec. 7
OPEN ENROLLMENT Jan. 1 - Mar. 31
INDIVIDUAL ENROLLMENT Nov. 1 - Dec. 15
HEALTH INSURANCE
QUALIFIED HEALTH PLANS
The Open Enrollment Period for Individual and Family
Plans will begin November 1 and will last until
December 15th. However, rules and plans continue
to be unpredictable with the action to repeal and
replace the Affordable Care Act (ACA), and the
uncertainty of whether the tax credits currently
being offered will still be available in the year ahead.
We have seen shrinking accessibility to hospitals and
doctors with smaller networks and high out of pocket
costs. Beginning in November, I can help you navigate
plans and check rates to find a plan that with suit your
needs.
I train and certify each year so that I can help you
understand the options that are available to you.
Being knowledgeable about the various plans, I can check to see if your doctors and hospitals are in the particular plan you choose. I can also make sure you understand the benefits of the plan and explain any terminology you may not be clear on.
SPECIAL ENROLLMENT PERIOD
To enroll in a plan outside of the Open Enrollment window you must have a special qualifying event such as:
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You have gained a dependent or become a dependent through marriage, domestic partnership, birth, adoption, foster adoption, or placement for adoption
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You have moved to a new service area
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You or your dependent lost healthcare coverage due to one of these reasons:
Termination of employment
Divorce or end of domestic partnership
Over-aged dependents
Expiration of COBRA
Loss of eligibility for Medicaid or CHIP
QHP decertification
QHP enrollment or disenrollment due to HHS error
QHP material violation
Other loss of eligibility
Your income level changed and affects your ability to qualify for a health coverage tax credit or changes the amount of that tax credit
If you are a member of a federally recognized Indian tribe, you may enroll or change plans once
a month throughout the year. Visit HealthCare.gov for a definition and full list of federally
recognized tribes. To learn more about benefits available to American Indians, visit www.CMS.gov.
Agent services are included at NO COST to you!
I can help you compare plans to find which company has the plan that will best meets your needs.
I offer plans both in and out of the Health Care Marketplace. You may still elect to go direct with any
of the insurance providers.
DENTAL & VISION
AMERITAS DENTAL • DENALI DENTAL & VISION • DIRECT VISION
MODA HEALTH • PACIFIC SOURCE • SPIRIT DENTAL
By clicking on Ameritas Dental and Spirit Dental, you can sign up, review rates, and see plan details.
You can shop in the privacy of your home for plans which seem to be a good fit for you.
Usually the plan starts the first of the month following the month you sign up. To sign up online, you will need to have an email address and a form of payment such as credit card or debit card to make your first monthly payment. Paper applications are available for those who prefer to pay by check.
Spirit Dental features dental plans that have no waiting periods on any of the plan benefits.
They also offer $1200, $2500 and $3500 annual coverage limits. Vision can also be add as an additional benefit.
(Please use Google Chrome, Firefox or Safari when using this link. Internet Explorer is NOT compatible!)
Ameritas Dental - PrimeStar Classic Dental – Choose any Dentist or use the Maxcare Network, 30 day
customer satisfaction guarantee, up to $2000 maximum coverage and optional Vision Coverage.
Direct Vision - CLICK to view the plan designs, rates and use the online enrollment feature.
Denali Dental & Vision - CLICK to view the plan designs, rates and use the online enrollment feature.
PACIFIC SOURCE
Elect Dental - Affordable, basic dental coverage for individuals and families in Oregon. Call for details.
ANCILLARY INSURANCE
Supplement your current health insurance:
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Critical Care: cancer, heart attack & stroke coverage
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Hospital Cash Indemnity Plan
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Accidental Death and Dismemberment
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Travelers Insurance
AGENT EXPRESS
FEDERAL MARKETPLACE
Application
ENROLLMENT OPENS
NOVEMBER 1
For more information
call Kathy at
503-317-7844
Here’s a link to
Oregon's Prescription
Available to ALL Oregonians who want savings through a prescription discount card even though they may already have coverage for prescriptions
FREE!
Prescription Drug Discount Card
CRITICAL ILLNESS INSURANCE
Did you know that about 60 percent of the costs associated with the three top Critical Illnesses are non-medical indirect costs? Click here for more information.
Each year over a million people in the United States alone suffer a heart attack.
Companies have designed Critical Illness Plans to help with the high costs associated with cancer, heart attack and stroke. These sicknesses can take months to recover from and may require extensive treatment, surgery and possibly therapy.
TRAVEL INSURANCE
Are you planning to travel for a holiday or business? By opting for a good travel insurance policy, you can not only save your money but also safeguard your journey making your trip a truly memorable one.
Even the most carefully planned trip can be complicated by unforeseen events such as lost or delayed baggage arrival, missed flights, or a medical emergency. You can travel with greater peace of mind knowing you will be taken care of in case of a mishap.