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First Choice Health Insurance Inc, Insurance Agency, Roseburg, OR

First Choice Health Insurance, Inc.
Health Insurance at Your Fingertips!!!
Just a Mouse Click Away!

"The "Original" Private Oregon Health Insurance Exchange"

Washington Health Insurance Plans, Benefits & Price Comparisons

 

One of the largest selections of individual Washington health insurance plans available on a single website. Choose the best plan for you, your children or your family, as a self-employed individual, or to save money on group dependent coverage using quick online quotes and convenient timesaving side–by–side plan benefit comparisons. Whether you live in Seattle or Spokane you will find several plans to choose from.

Have a question on individual health insurance in Washington?



If you're not sure which county your city is in, Click Here
Map of Washington Counties
 

Direct Online Quotes and Applications

When you apply online with us, you gain a partner ready to answer your questions and
make sure your application is processed properly.
One of our Agents will be assigned to you and will contact you to introduce themselves.

Open Enrollment for Children Under 19: March 15-April 30 for Apr 1st and May 1st Start Dates - Sept. 15-Oct. 31 for Oct 1st and Nov 1st Start Dates

Washington Health Program – Children can enroll all year long.

Children’s Health Insurance -Washington - Covering the Kids

The Washington Health Program is a great way to save money on student health insurance or to purchase insurance for children at any time.

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Apply Online – Clark County ONLY

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Fillable Standard Health Questionnaire (PDF)

 

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Jeffrey D. Vodovoz, CLU, ChFC

Life Insurance rates have come down! Are you paying too much?

  • Do you have enough Life Insurance to protect your family?
  • We can run a calculation to determine how much you do need!

Call our Life Specialist: Jeff Vodovoz, CLU, ChFC and put his 38 years of experience to work for you!

Call 1-800-809-3467 or Visit
www.elifelink.com/
jvodovoz@hotmail.com

Additional Information

For Temporary Coverage while Your
Application is being Processed

Health Savings Accounts – HSA Plans

Have an Individual Health Insurance question?

General Information

Shopping for Health Insurance

Knowledge of Individual Plans

A Word About Health Insurance Costs

Washington State individual health insurance is also referred to as Washington individual health care coverage. This coverage is classified in two categories and referred to as either comprehensive or catastrophic health care. Comprehensive coverage is characterized by lower deductibles and more complete benefit packages while catastrophic coverage refers to higher deductible plans with certain benefits, like maternity, excluded. Both are considered major medical insurance policies since the insurance company assumes essentially all the risk after you pay a deductible and your percentage of shared expenses, called coinsurance.

Individual plans are available is several designs and deductibles allowing you to choose options to keep your health care plan affordable. Remember that premiums are driven by the cost of medical care in the WA geographic area in which you live. Generally if you purchase a policy that costs less in monthly premium, you will usually end up paying a greater share of the medical expenses when you are sick or hurt.

Most Washington individual health insurance plans are managed care plans where you receive higher benefits when you play by the rules of the plan. Some are Preferred Provider plans where you receive the maximum benefit if you stay within the plan’s provider network, the physicians, hospitals and other medical providers who have agreed to the plan's schedule of payments for services performed. These plans usually allow you to receive healthcare services outside their network of providers, but at an additional cost to you. Some may require the selection of a Primary Care Physician (PCP), a personal physician who directs all your care and who's written referral you need prior to visiting a specialist.

Family insurance is simply an individual policy with more than one insured member of the family included in the application and coverage. Private and personal insurance are other names for individual insurance.

Applying for health care coverage requires filling out a health questionnaire, in most cases. The insurance company uses this to determine whether to approve you for coverage or refer you to the Washington State Health Insurance Pool (WSHIP), the state's high-risk pool. Do not try to hide information about your health condition. Hiding information can result in the insurance company retroactively terminating your coverage back to its effective date, leaving you responsible for all of your expenses, less any premiums paid. If you can answer yes to any of the nine questions below, you do not have to fill out a health questionnaire:

  1. Are you eligible for Medicare? Yes
  2. Have you changed residences from one part of Washington state to another part where your current health plan is not offered, and you are submitting your application within 90 days of relocation?
  3. Is your health care provider no longer part of the provider network on your current individual health plan?

To answer yes, all of the following must be true:

  1. Your health care provider is on the new health plan you are applying for; and
  2. You received services from that provider during the 12 months before he or she left your current health plan; and
  3. You are submitting your application to the new health plan within 90 days of your provider leaving your current health plan's network.
  1. Are you applying for individual health coverage within 90 days of using up your COBRA* coverage? (This includes loss of COBRA coverage due to your employer going out of business or discontinuing its health plan while you are on COBRA.) To answer yes, you must have used up your COBRA coverage for any reason other than misrepresentation, gross misconduct, or failure to pay your premium.
  2. Have you been covered by a group plan provided by an employer that is exempt from COBRA, and you are applying for individual health coverage within 90 days of an event which would qualify you for COBRA if your employer had not been exempt from COBRA, and you had at least 24 months of continuous group coverage prior to such event?
  3. Are you applying for individual health coverage within 90 days of terminating your COBRA coverage and you had at least 24 months of continuous group coverage prior to termination? (Not applicable to BHP applicants.)
  4. Are you applying for individual health coverage within 90 days of an event which qualifies you for COBRA, and you had at least 24 months of continuous group coverage prior to such event but you choose not to take COBRA coverage? (Not applicable to BHP applicants.)
  5. Have you been enrolled in the Washington State Basic Health Plan for at least 24 continuous months, and you are submitting your application within 90 days of disenrollment?
  6. Are you adding coverage to your existing individual policy for your newborn or adopted child who has been born or placed for adoption with you within the last 60 days?

If you have not previously had coverage, the insurance company may impose a 9–month waiting period before your coverage starts for anything you were treated for, or should have sought treatment for, during the six months immediately prior to the start date of your new policy. If you had prior coverage, you will generally be given equivalent credit towards meeting this 9-month waiting period, provided you did not have a significant break in coverage between the two plans.

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