Why Health Insurance Matters
Your health insurance plan is a crucial part of your overall financial well being. Here at Benefits NW Inc. you will find a great selection of Washington and Oregon health / medical plans allowing you to choose insurance that will meet your personal benefit needs while helping you stay within your budget.
Here are some basic guidelines to help you choose the health insurance plan that best suits your needs and your budget.
Health Insurance plans generally fall into one of two categories:
A good health insurance policy will involve several types of coverage, such as:
There may be additional policies and benefits included in your package. If you are working through us, feel free to ask about adding coverage in your health insurance quote for items such as prescription drugs, mental health, maternity care, dental or vision plans.
Before you decide on a plan, the following items are important considerations that increase with less coverage:
In summation, health plans can vary in many ways including deductible amounts, coinsurance rates, maximum lifetime benefits, how much prescriptions are covered, whether the plan covers self employed persons on the job (24 hour coverage) and the size of the provider network.
While available health insurance plans vary based on your geographic area and even zip code, a Benefits NW representative can explain all of these details when they present your health insurance plan quotes.
Group/Small Business Coverage
We also serve the small business and group health insurance marketplace. Plans vary in coverage similar to individual health insurance, however, underwriting takes into consideration the status of the entire group of employees and dependents that need to be insured. In some cases, many cases, plan costs are lower than similar benefits for individual coverage.