November 27, 2013

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Health Insurance Update. 
We can help you better understand all your healthcare options. Call us today 

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In This Issue
Health Insurance
Umbrella Insurance
Your Agent Steve Davis

Our Mission: 

Columbia River Insurance Services is a professional agency dedicated to providing our clients with the best insurance protection and service possible. We will strive to use the industry's most superior products while maintaining affordability.

 

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360.883.5776
Fax: 1.360.285.6000
1503 NE 78th St Ste. 1A 98665 
Portland -OR
503.382.9091
503.808.1111
Fax:503.808.1118
11300 NE Halsey St  Ste. 202 97220
email
insuranceprovider@comcast.net

 


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We wish you all a very Happy Thanksgiving!

Keys to Selecting Your Individual Health Plan

 

Healthcare reform has created many questions and concerns for individuals. When considering health insurance, you want the most coverage for you and your family. We can provide you with guidance and support in selecting a plan that is best suited for you. We have identified a number of factors for you to consider when selecting an individual plan.

  1. Use an independent agent - We have access to many markets and special programs. This would include coverage under the healthcare reform.
  2. Look at several plans- Each plan offers different levels of coverage.
  3. Consider any dependents- If you have children under age 26 without health insurance coverage through an employer; the law permits them to be on your insurance.
  4. Review many providers- You may want to make sure your primary care physician is in network.
  5. Determine what you need vs. what you want- Determine what you need and focus on that.
  6. Consider deductibles- Plan premiums can vary with high deductibles; this may save you considerable dollars.

Don't just look at premiums. Figure in other out-of-pocket costs you will face and compare these within each plan. Finally, you should expect your agent to continue advising and helping you even after you purchase a policy. It does not cost you anymore to use our services, so call us today. 

 

Umbrella Insurance Should be Considered by Everyone

 

Many people are unsure what an umbrella policy is or what it covers. When you are outside and there is a light rain or breeze you generally don't need or want an umbrella. However, if it is pouring down rain with high winds, you take your umbrella. An umbrella insurance policy works much the same way.

 

Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an umbrella insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella insurance can provide limits above your personal auto and home policies.

 

Here is an example: John Doe falls asleep while driving and hits a van with a family inside. The accident results in $600,000 of medical bills, but John Doe's auto policy has a $500,000 limit. Fortunately, John Doe also has a $500,000 umbrella policy, and the additional $100,000 would be covered under the umbrella policy.

Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of homeowner's, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies.

 

It is true that personal umbrella insurance may not be for everyone, but if you are building financial resources for your future, are a professional, own your home, boat or recreation vehicle, you should consider an umbrella insurance policy.  Having the added protection of an umbrella insurance policy is coverage no one should go without. Call us today, for a free review.