Health Insurance

Health Insurance

Washington Health Insurance Quotes

Avenue Insurance Planners is an independent insurance agency providing health insurance quotes for Washington residents direct from several health insurance carriers.  We will help you find individual, family, short-term or group coverage. We serve all of WA including Spokane, Port Angeles, Ellensburg and everywhere in between.

Health Insurance

Health Insurance can be purchased from our agency either on the Washington Marketplace (exchange) or off of the exchange, with several different carriers including Kaiser Permanente.  Prices are controlled by the OIC (Office of Insurance Commissioner) so you will not find better rates on your health insurance by going directly to the carrier.

Individual and Family Insurance Coverage

We have options for medical coverage for both individuals and families. If you are starting a business, self-employed, between jobs, losing parental coverage, or in need of an alternative to COBRA, then we can help you.

We have several benefit designs, deductibles, co-payments, and coinsurance options. Our comprehensive plans include doctors visits, preventive care, and prescription drug coverage. Deductibles will start at $250 per individual and coinsurance can be set at 100%. There are no longer lifetime maximums on individual policies.

Washington Maternity Insurance Plans

One of the ten essential health benefits under the Affordable Care Act, all health insurance plans must cover maternity expenses. The only factors that will affect your costs will be the out-of-pocket expenses associated with the plan you choose. You will need to purchase insurance during the open enrollment window unless you have a qualifying life event.

Your premiums will vary depending on whether you choose to purchase insurance on or off of the exchange. If you qualify for a tax credit, then the only place you can buy health insurance and get a subsidy will be on the exchange. We can help you find coverage both on and off the Washington Health Plan Finder website depending on your needs.

Short Term Health Insurance Quotes

There are a couple different options for Short Term Health Insurance. These are inexpensive plans that offer coverage for as little as one month to six months. Short-term plans are wise if you know that you will have permanent coverage at the end of the selected term.

One word of caution though is that a Short Term Medical Insurance plan is not considered credible with regards to the Obamacare requirements, and you WILL still face the penalty.

Otherwise, it may be a good idea to purchase a permanent plan that can be canceled at a later date. This will assure that you will not be denied a policy because of poor health if you need to reapply for coverage later. Underwriting standards are less strict for short-term coverage, so it’s easy to qualify.

Stopped Smoking

If you have recently stopped smoking, than you need to contact us.  We can contact your insurer to get you switched over to the non-smoking rates.  This will give you a substantial savings.

Contact Us For Quotes & Assistance

We are an independent agency specializing in health insurance plans both on and off the Washington State exchange. Contact us to learn more about your options and to stay compliant with the law.