CITIES: Brightwood, Camp
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,
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
Bend, Brothers, Condon, Culver, Dufur,
Fossil, Grass Valley, Hampton, Lonerock,
Madras, Maupin, Metolius, Mitchell, Moro,
Mosier, Paulina, Post, Prineville,
Rufus, Shaniko, Spray,
The Dalles, Wasco
CITIES: Adams, Arlington,
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,
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,
Astoria, Bay City, Beaver,
Manzanita, Neahkahnie, Oceanside,
Lincoln City, Mapleton,
Newport, Otter Rock, Reedsport, Seal Rock,
Coos Bay, Coquille,
Port Orford, Powers, Wedderburn
Portland and Vicinity
Beaverton, Camas, Canby,
Clackamas, Clatskanie, Columbia City,
Forest Grove, Gaston,
Gresham, Happy Valley,
Lake Oswego, Marquam,
Milwaukie, Molalla, North Plains,
Portland, Rainier, Sandy, Scappoose, St.
Tualatin, Vernonia, West Linn,
Adel, Adrian, Burns, Diamond, Drewsey,
Frenchglen, Hines, Jordan Valley, Juntura, Lakeview, Nyssa,
Ontario, Plush, Vale
Ashland, Butte Falls, Cave Junction,
Canyonville, Central Point, Dillard, Drain, Eagle Point, Elkton, Glendale,
Glide, Gold Hill,
Grants Pass, Jacksonville, Klamath Falls, Malin,
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
Albany, Alsea, Amity, Aumsville,
Brownsville, Canby, Canyonville, Carlton,
Corvallis, Coburg, Cottage Grove, Creswell,
Culp Creek, Dallas, Dayton, Detroit, Donald,
Eugene, Falls City, Gates, Gervais, Halsey,
Harrisburg, Independence, Jefferson, Junction City, Keizer, Lebanon, Lowell,
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
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
With a Real Person 9:00am to 8:00pm"
Licensed and certified agents Available to Help!
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Life, We are here to help"
For all questions and information on Medicare
Email: Doug Ellsworth
NPR # 7139388
Not eligible for Medicare and need enrolling in
HealthCare.gov "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
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
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
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
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
HealthCare.gov 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
Affordable HealthCare Act ACA ObamaCare
Not eligible for Medicare, or need health
insurance coverage prior to turning 65?
Individual, or Family Coverage:
Business or Self Employed, group health insurance:
Travel, Short Term Medial, Student Health Coverage
Health Insurance that covers Alternative or
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
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
Frequently Asked Questions about Medicare
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:
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
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.
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.
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
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.