Business Details
30 Years
experience
Trusted Insurance Solutions in Astoria, OR
Since 1996, Clatsop Health & Life Insurance Agency has been dedicated to meeting the health and life insurance needs of Northwest Oregon. As the only agency in Clatsop County specializing exclusively in health and life insurance, we represent all major individual and group health insurers serving the region, along with a comprehensive selection of Medicare providers. Our team provides unbiased guidance to help clients navigate complex insurance options without charging additional fees, as premiums remain identical whether purchased through an agent or directly. We prioritize transparency, offering detailed explanations of plan benefits, provider networks, and subsidy eligibility to ensure informed decision-making. For individual coverage, we assist with Health Insurance Marketplace enrollment and explain open enrollment timelines, while also evaluating special enrollment qualifications for those experiencing coverage loss.Our group insurance services cater to businesses with common-law employees, offering cost-effective solutions with broader plan options compared to individual policies. For Medicare beneficiaries, we provide supplemental coverage options, Advantage plans, and prescription drug coverage guidance, leveraging Oregon's unique Birthday Rule to facilitate insurer changes without medical underwriting. As independent agents representing over 26 companies, we focus on matching clients with policies that align with their specific budgetary and coverage requirements.
Services
Health Insurance
Group Health Insurance
Medicare Plans
Individual Coverage
Medicare Supplement
Details
- Year established: 1996
Highlights and features
- We've specialized in health and life insurance since 1996
- Only agency in Clatsop County offering exclusive health/life coverage
- No additional fees for our insurance brokerage services
- Represent 26+ regional insurance providers for comprehensive options
- Expert guidance navigating Oregon's unique insurance regulations
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals and families. Our agents help clients understand plan benefits, provider networks, and subsidy eligibility. We offer access to all major insurers serving Northwest Oregon through both direct purchases and the Health Insurance Marketplace.
Group Health Insurance
Our group insurance plans serve businesses with common-law employees. We help employers compare plan options that often provide better value than individual policies. Our team assists with obtaining customized quotes and understanding employer contribution requirements.
Medicare Plans
We offer Medicare supplemental coverage and Advantage plans to enhance original Medicare benefits. Our specialists help clients evaluate prescription drug coverage options and utilize Oregon's Birthday Rule for seamless insurer transitions without medical underwriting.
Individual Coverage
Our individual health insurance services include marketplace enrollment assistance and plan comparisons. We guide clients through open enrollment periods and evaluate special enrollment qualifications for those experiencing involuntary coverage loss in Northwest Oregon.
Medicare Supplement
We specialize in Medicare Supplement insurance options that help cover out-of-pocket costs. Our experts help clients assess different plan types and leverage Oregon's unique regulations allowing annual insurer changes without medical review during birthday months.
People
Zach Michaelis
Zach Michaelis provides personalized insurance guidance to Northwest Oregon residents. He helps clients understand complex coverage options and find affordable solutions that meet their specific healthcare needs.
Candi Vanderburg
Candi Vanderburg assists clients with health and life insurance selections in Clatsop County. She focuses on explaining policy details clearly and helping clients navigate enrollment processes with confidence.
Hamil Brown
Hamil Brown offers insurance expertise to individuals and businesses in Northwest Oregon. He works to ensure clients understand their coverage options and select plans that provide optimal protection for their circumstances.
Questions
When can I enroll in individual health insurance?
Open enrollment runs November 1st to December 15th for January 1st effective coverage. Special enrollment may apply for involuntary coverage loss.
What group insurance options exist for businesses?
Group plans require at least one common-law employee. We help businesses compare plans that often offer better value than individual coverage options.
How do Medicare Supplement plans work in Oregon?
Oregon's Birthday Rule lets Medicare Supplement holders change insurers annually during their birthday month without medical underwriting requirements.
Do you charge additional fees for insurance services?
No, our services cost nothing extra. Insurance premiums remain identical whether purchased through our agency or directly from providers.
What areas do you serve?
We primarily serve Clatsop County and Northwest Oregon, providing access to all regional health insurance providers and Medicare options.
