Health – Life – Disability – Long Term Care
WHAT ARE YOUR OPTIONS?
There are two options for applying for an Individual & Family plan in the state of Washington: directly with the Carrier, or through the state Exchange (WAHealthPlanFinder.org). Generally, if you are eligible for a subsidy/tax credit, you are likely better off purchasing through the Exchange. If you’re not eligible for a subsidy, you may be better off purchasing outside the Exchange, directly from a Carrier. Either way, we can walk you through it and can work as your broker, at no cost.
ARE YOU ELIGIBLE FOR A SUBSIDY?
Use the Subsidy Calculator to the right as a starting point to help determine whether you may be eligible for a subsidy/tax credit. If you would like help on the Exchange, through www.wahealthplanfinder.org, it's helpful if you create an account, select us as your broker, then give us a call. Or give us a call first & we'll walk you through it.
WHAT MAY BE A QUALIFYING EVENT FOR ENROLLING OUTSIDE OPEN ENROLLMENT?
Loss of group coverage
26th birthday
Divorce or Marriage
Some permanent moves
Birth or adoption
Expiration of COBRA
DO YOU WANT TO PURCHASE A PLAN OUTSIDE THE EXCHANGE?
Currently there are limited options for purchasing plans outside the Exchange/Health Plan Finder. To enroll in one of these plans, use the links below:
Regence BlueShield: www.Regence.com
Kaiser Permanente: www.KP.org/Wa
Delta Dental: www.DeltaDentalCoversMe.com
VSP (Vision): www.VSP.com
Smart Smile: www.DentalHealthServices.com
DON'T HAVE A QUALIFYING EVENT?
If you need coverage outside the Open Enrollment window, we can assist you with purchasing an affordable plan to carry you through to the next Open Enrollment opportunity.
These plans are a short-term solution and can be purchased in 30-90 day segments. These are not qualified medical plans, so enrollees will be subject to the tax penalty at year end.
ENROLL IN A SHORT TERM PLAN
Why should I buy life insurance?
Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations
Replace income for dependents
If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially. Insurance to replace your income can be especially useful if the government- or employer-sponsored benefits of your surviving spouse or domestic partner will be reduced after your death.
Pay final expenses
Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.
