How individual health insurance works
A plain-English guide from an Oregon broker to what individual health insurance covers: preventive care, sick visits, prescriptions, and major illness.
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Coverage beyond major medical, explained.
Beyond traditional health insurance, there are other ways to protect yourself. An accidental injury or a serious diagnosis can mean a lot of out-of-pocket medical expense, and with deductibles going up, it adds up fast. Add lost work and surprise costs, and those incidents get expensive. Many of these products cost very little compared to major medical premiums, and they pay you cash to help cover that deductible. Here is how I explain each one.
How disability insurance defines disability
An Oregon broker explains how disability income policies define disability: own occupation, any occupation, residual, partial, and what is covered.
Read moreLife insurance and financial planning
Life insurance is for the loved ones left behind. An Oregon broker explains term life, living benefits, and the two steps to choosing the right plan.
Read moreHow critical illness insurance works
An Oregon broker explains critical illness insurance: scheduled versus lump-sum plans, buying tips, and which illnesses and events should be covered.
Read moreHow accident insurance works
An Oregon broker explains accident insurance: defined treatment versus pure reimbursement plans, and what counts as an accidental injury.
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