Health Insurance

from C. Don Filer Agency

Family and Individual Health Insurance in Washington

Here at C. Don Filer Agency Inc. you will find a great selection of Washington health / medical plans allowing you to choose insurance that will meet your Individual and or/ Small Group benefit needs while helping you stay within your budget.

Individual health insurance is a type of health insurance coverage made available to individuals and their families. It is an alternative for those who do not have access to a sponsored group plan.

Small business group health insurance 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, plan costs are lower than similar benefits for individual coverage.

Types of individual and Small Group health plans we offer include:

  • Traditional Indemnity - You may see any participating provider.
  • Preferred Provider Organization (PPO) - You should see a Preferred Provider to get maximum benefit from the plan.
  • Point of Service Plans (POS) - Generally you must see a primary care provider for your first visit for any new condition to get maximum benefits and then get referred to specialist physicians if necessary.
  • Health Savings Accounts (HSA) - These plans are high deductible plans suited for healthier individuals/families and offer the most tax efficient strategies to pay for out of pocket medical, dental and vision costs. HSA plans are typically PPO plans.

Short-term health insurance plans provide you with coverage for a limited period of time. It might be an ideal option for those between jobs or waiting for their health insurance to start. Typically, they offer durations of 30 days to 12 months.

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. Available health insurance plans vary also based on your geographic area and even zip code.

Today’s health and benefits insurance can be very confusing and time consuming for you to deal with. Let us help you wade through the confusion and get you covered in a timely manner. Contact us today.