We most often hear “I am confused. There are so many different plans to choose from. Which one works best for me?”
This is a blessing and a curse. No two people are alike. All of the various providers (Insurance Companies) want to have their own personal approach to health care.
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The fact is, we all have different needs to our health care. Our clients demand a plan to best suit their particular need. While all of our needs may differ greatly, these three main components prevail:
- Many people just want a basic “Insurance Plan” to cover them if they simply “get sick” or “get into a bad accident.” These plans are typically called “Major Medical” or “Catastrophic Plans.” These are usually the most affordable plans. They focus on protecting the major things we fight tooth & nail to keep. Such as our health, life, homes, assets etc.
- Some people like & need the option of a more “Comprehensive Plan.” One which will provide office co-pays for doctor visits etc. These plans usually have a Co-Pay option for Rx (Prescription) medicines, wellness, well baby visits etc. Many of these plans have great first dollar benefits for office services but will have a “Deductible” for more major events or lab, X-ray, or inpatient services etc.
- And yet, some folks want a very comprehensive, full coverage plan. These plans will have no deductible or a very small deductible for major services. These plans also have very small office co-pay for doctor visits etc. These plans may cost more per month in the monthly “Premium.”
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| Q: “What if my employer doesn’t offer me health coverage. Can I still get Health Insurance?” |
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A: This is a very common question. Regardless of employment status, you too can enroll for Health Insurance. Often times, an “individual plan” can cost 30-70% less than an employer sponsored plan. There are many Insurance companies that just do individual health insurance plans. Inquire now!
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| Q: “What about for the self employed/small business owner?” |
A: We specifically work as “Benefit Specialists.” This simply means when somebody leaves a group plan from an employer or their parents plan, starting a new career, or simply becoming one of the many self-employed people of our community, we help them find an individual plan which will best suit their needs. We help alleviate the burden of the oftentimes confusing world of Portability & Cobra etc. As you may remember, we represent all major insurance carriers in the Individual market place.
At SmartHealth, we have realized over a decade ago that more and more Oregonians are becoming self-employed or small business owners. As a matter of fact, did you know that over 70% of Oregon’s economy is now owned by the Self-Employed &/or the small business? We have. It’s what we do.
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*Click here for our glossary of terms.
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Health Insurance Tips 
