My Medicare Agent.Com
My Medicare Agent.Com
Doug Ellsworth, My Medicare



Cities of Service

Cascade Mountains
CITIES:  Brightwood, Camp Sherman, Cascade Locks, Cascadia, Chemult, Chiloquin, Crescent, Crescent Lake, Detroit, Diamond Lake, Drew, Estacada, Fort Klamath, Gates, Gilchrist, Government Camp, Idanha, Klamath Agency, La Pine, Lakeview, McKenzie Bridge, Mill City, North Umpqua, Oakridge, Prospect, Rhododendron, Sandy, Sisters, Sunriver, Warm Springs, Welches, Westfir, Zigzag
AREAS:  Crater Lake National Park, Deshutes National Forest, Fremont National Forest, Mount Hood National Forest, Rogue River National Forest, The Three Sisters, Umpqua National Forest, Willamette National Forest, Winema National Forest

Central Oregon
CITIES:  Antelope, Arlington, Bend, Brothers, Condon, Culver, Dufur, Fossil, Grass Valley, Hampton, Lonerock, Madras, Maupin, Metolius, Mitchell, Moro, Mosier, Paulina, Post, Prineville, Redmond, Rowena, Rufus, Shaniko, Spray, The Dalles, Wasco

Northeast Oregon
CITIES:  Adams, Arlington, Athena, Baker City, Boardman, Canyon City, Condon, Cove, Dayville, Echo, Elgin, Enterprise, Fossil, Greenhorn, Haines, Halfway, Heppner, Hermiston, Huntington, Imbler, Imnaha, Irrigon, Island City, John Day, Joseph, La Grande, Lexington, Long Creek, Lostine, Medical Springs, Milton-Freewater, Monument, Mt Vernon, North Powder, Oxbow, Pendleton, Pilot Rock, Prairie City, Richland, Seneca, Summerville, Sumpter, Ukiah, Umatilla, Union, Unity, Wallowa, Weston
AREAS Hell's Canyon

Oregon Coast
North Coast
Astoria, Bay City, Beaver, Cannon Beach, Garibaldi, Gearhart, Hebo, Nehalem, Manzanita, Neahkahnie, Oceanside, Pacific City, Rockaway Beach, Seaside, Tillamook, Warrenton, Wheeler
Central Coast
Depoe Bay, Dunes City, Florence, Gleneden Beach, Lincoln City, Mapleton, Newport, Otter Rock, Reedsport, Seal Rock, Siletz, Toledo, Waldport, Winchester Bay, Yachats
South Coast
Agness, Bandon, Brookings, Charleston, Coos Bay, Coquille, Gold Beach,
Lakeside, Myrtle Point, North Bend, Port Orford, Powers, Wedderburn

Portland and Vicinity
Banks, Barlow, Beaverton, Camas, Canby, Clackamas, Clatskanie, Columbia City, Cornelius, Forest Grove, Gaston, Gresham, Happy Valley, Hillsboro, Lake Oswego, Marquam, Milwaukie, Molalla, North Plains, Oregon City, Portland, Rainier, Sandy, Scappoose, St. Helens, Tigard, Troutdale, Tualatin, Vernonia, West Linn, Wilsonville

Southeast Oregon
Adel, Adrian, Burns, Diamond, Drewsey, Frenchglen, Hines, Jordan Valley, Juntura, Lakeview, Nyssa, Ontario, Plush, Vale

Southern Oregon
CITIES Ashland, Butte Falls, Cave Junction, Canyonville, Central Point, Dillard, Drain, Eagle Point, Elkton, Glendale, Glide, Gold Hill, Grants Pass, Jacksonville, Klamath Falls, Malin, Medford, Merlin, Myrtle Creek, Oakland, Phoenix, Prospect, Riddle, Rouge River, Roseburg, Shady Cove, Sutherlin, Talent, Umpqua, White City, Winchester, Winston, Wolf Creek, Yoncalla
AREAS:  Applegate Valley, Illinois Valley

Willamette Valley
Albany, Alsea, Amity, Aumsville, Aurora, Brooks, Brownsville, Canby, Canyonville, Carlton, Corvallis, Coburg, Cottage Grove, Creswell, Culp Creek, Dallas, Dayton, Detroit, Donald, Dundee, Eugene, Falls City, Gates, Gervais, Halsey, Harrisburg, Independence, Jefferson, Junction City, Keizer, Lebanon, Lowell, Lyons, McMinnville, Mill City, Millersburg, Mt.Angel, Molalla, Monmouth, Newberg, Oakridge, Oregon City, Philomath, Salem, Scio, Scott Mills, Sheridan, Silverton, Sodaville, Springfield, Stayton, St. Paul, Sublimity, Sweet Home, Tangerit, Turner, Veneta, Walterville, Waterloo, Willamina, Woodburn, Yamhill

 Texas: Abilene, Amarillo, Arlington, Austin, Beaumont, Brownsville, Bryan, Carrollton, Corpus Christi, Dallas, Denton, El Paso, Fort Worth, Galveston, Garland, Grand Prairie, Houston, Irving, Killeen, Laredo, Lubbock, Mesquite, Pasadena, Plano, Pharr, San Antonio, Waco, Wichita Falls

 "Talk With a Real Person 9:00am to 8:00pm"

Licensed and certified agents Available to Help!

"Think Young, Live Life, We are here to help"

For all questions and information on Medicare Plans

Doug Ellsworth  Email: Doug Ellsworth

NPR # 7139388


Not eligible for Medicare and need enrolling in "Click the link below"

Starting November 1st, 2015 I will have access to help enroll clients through the  HealthCare.Gov Portal.  As a Certified Agent I can answer questions, and show you the plan options and rates which will go effective January 1st, 2016.  If you would like my help just click the above link and I will give you a call and answer questions you have.  My time and services are free and I am available 9:00 am to 8:00 pm 7 days a week.

Between Jobs, or Unemployed!  Offered Cobra Health Insurance and cannot afford the premiums?  The are many Low Cost, and Affordable options.  All coverage is with Major Health Insurance Companies and a "Real Person" will answer the phone to help you!

The focus of this website is to provide consumers a simple, and professional environment when looking for Affordable, and Low Cost Health Insurance.  Licensed Health Insurance Agents are available and will take the time to answer all your questions, and help find the Health Plan that best meets your needs

Health Insurance Benefits are always changing, and health insurance companies are providing more options that benefit the consumer.  Alternative, or Holistic health care is now offered through many of the health insurance companies.  You can now see your Naturopathic Physician, and be covered under the doctor office co-pay, and have unlimited visits.  Chiropractic, and Acupuncture are also included as standard health care benefits with many companies.

If you are looking for Low Cost and Affordable Dental and Vision benefits included within the health plan, we can help you select the Health Insurance Company that will meet your needs.

Health Benefit Solution, Inc is licensed through the Oregon Insurance Division, and has contracted with most all the major health insurance companies to provide the consumer with choice and options when looking for the plan that meets the life style and needs of the insured.

Health Benefits Solution, Inc is a leader in offering Company Direct Health insurance coverage for all individuals, and small business in Oregon.  The Affordable Care Act and will offer affordable health insurance options to all Oregonians with or without tax credits or CSR "Cost Sharing Reductions".  The Oregon Health Plan will still be offered through


OregonACA Affordable HealthCare Act ACA ObamaCare

Not eligible for Medicare, or need health insurance coverage prior to turning 65?

Individual, or Family Coverage:

Small Business or Self Employed, group health insurance:

Internal Travel, Short Term Medial, Student Health Coverage

Health Insurance that covers Alternative or Holistic Care?

The information contained in this database is also available in the CMS publication titled Your Medicare Benefits.

It is important for you to understand that Medicare does not cover everything, and it does not pay the total cost for most services or supplies that are covered. You should talk to your doctor to be sure you are getting the service or supply that best meets your health care needs.

The amount of your coverage is also dependent on whether you have coverage under Medicare Part A, Medicare Part B, or both. Medicare Part A typically pays for your inpatient hospital expenses and Medicare Part B typically covers your outpatient health care expenses including doctor fees.

A benefit is a health care service or supply that is paid for in part or in full by Medicare.

Note: If you belong to a Medicare Advantage (formerly Medicare + Choice) plan, it must cover at least the same benefits covered under Medicare Part A and Part B. However, your costs may be different, and you may have extra benefits, like coverage for prescription drugs or extra days in the hospital. You should contact your Medicare Advantage plan administrator for specific coverage information for the plan in which you are enrolled. If you are interested in seeing what Medicare Advantage and Medigap plans are available in your area, please visit the Medicare Options Compare section of our website.

Frequently Asked Questions about Medicare Coverage

Medicare covers many of your health care needs. Today’s Medicare is working with private companies approved by Medicare that provide different ways to get your health care and prescription drug coverage in the Medicare Program. The Medicare plan that you choose affects many things like cost, benefits, doctor choice, convenience, and quality. Your Medicare plan choices include:

  • The Original Medicare Plan – This is a fee-for-service plan that covers many health care services and certain drugs. You can go to any doctor or hospital that accepts Medicare. When you get your health care, you use your red, white, and blue Medicare card.

    The Original Medicare Plan pays for many health care services and supplies, but it doesn’t pay all of your health care costs. There are costs that you must pay, like coinsurance, copayments, and deductibles. These costs are called “gaps” in Medicare coverage. You might want to consider buying a Medigap policy to cover these gaps in Medicare coverage. You can also add prescription drug coverage by joining a Medicare Prescription Drug Plan.

    For more information on the Original Medicare Plan, visit the Original Medicare Plan section of this website.

  • Medicare Advantage Plans – Available in many areas. If you have one of these plans, you don’t need a Medigap policy. These plans include:

    • Health Maintenance Organizations (HMO),

    • Preferred Provider Organizations (PPO)

    • Private Fee-for-Service Plans

    • Medicare Special Needs Plans

    • Medicare Medical Savings Account Plans (MSA)

    These plans may cover more services and have lower out-of-pocket costs than the Original Medicare Plan. Some plans cover prescription drugs. In some plans, like HMOs, you may only be able to see certain doctors or go to certain hospitals to get covered services.

    Click here for more information on Medicare Advantage Plans.

  • Medicare Prescription Drug Plans – These stand-alone plans add prescription drug coverage to the Original Medicare Plan, some Medicare Cost Plans, some Medicare Private Fee-for-Service Plans and Medicare Medical Savings Account Plans. Click here for more information on Medicare Prescription Drug Plans.

The Medicare plan that you choose affects many things like cost, benefits, doctor choice, convenience, and quality. To compare your Medicare Health Plan choices, go to the Medicare Options Compare. To compare Medicare Prescription Drug Plans, go to the Medicare Prescription Drug Plan Finder.

Help Paying for Health Care Costs

There are wide ranges of health care coverage choices that may help pay for some of your health care costs. These health care choices work with the benefits you have from Medicare. What you choose will affect how much you pay, what benefits you have, which doctors you can see, and other things that may be important to you. For more information about programs that may help pay for some of your health care costs, please read Section 7 and Section 8 of the Medicare & You 2010 handbook.