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Let's talk about health insurance. Oh man, now there's a subject that'll make you want to run away and stick your head in the mud. But if you did that, you'd probably get sick and have to go to the doctor and then... well, we'd have to talk about health insurance!

So instead of struggling through dreaded terms like ‘HMO', ‘PPO', ‘deductible', ‘co-pay', ‘coinsurance', ‘out-of-pocket maximum', ‘out of network percentage' and so on and so forth, do yourself a favor and give Kyla Westfall, Insurance Specialist with Montgomery & Graham, a call like I did. "I enjoy helping to educate my clients so that they can make an informed decision when purchasing Health Insurance," she told me in her office in Lake Oswego. "I also enjoy hearing their satisfied voices when I've found them insurance with greater benefits and for less financial outlay."

Kyla is what you'd call an Insurance Broker and like most things, not every broker is the same. Some are good and some are so-so. Some are experienced and some are still learning. Some are very helpful and patient to meet your needs and some hurry up to move on to the next client. Now while I cannot talk about all brokers, I can tell you about Kyla. Having only met her once briefly, she said that if I had questions about my current policy to let her know. So I emailed her some basic questions expecting basic answers but instead, I received very detailed, informative and easy to understand explanations to my questions. In fact, I was so impressed with her knowledge and thoroughness that it got me to question if I even had the right family plan to begin with. Well, I am happy to announce that after several emails and one great meeting later, I am now saving almost $180 per month on a plan that is much better suited for my family's needs. So let me say ‘thank you Kyla', because I am one (and surely not the only) very happy camper.

So if you want to talk Health or Life insurance, give Kyla Westfall a call. I found her to be a very good, very experienced, very helpful and extremely patient Insurance Specialist.

Introducing Kyla Westfall

Hi, my name is Kyla and I provide Health, Life, Accident Only, Critical Illness Only, Disability, and Dental insurance to individuals, self-employed, families and small businesses.

• My years in the business have showcased me as a top producer
• My goal is to educate you on how health insurance works and help you find the best plan for your current situation
• My firm is one of the top fastest growing companies in OR
• We've been presented the Light House award 6 years in a row

But really, let's be honest, all of that means nothing if I haven't performed my job; which is to help you make an informed decision so that you and your family are protected from financial hardship due to unexpected injury or illness. When you think about it, buying insurance is really just purchasing a piece of paper and a promise...true? So...

Clearing up the confusion

Individual Insurance can be very confusing. There are so many companies, plans and prices to choose from.  Let me help you narrow your search down a little by summarizing a few benefits and disadvantages of each of the companies below (all plans include prescription coverage - call for details.  All plan Max Out of Pocket if for in Network coverage):  

Blue Cross Premier plan:  $20 Doctor & Urgent care visits, waives deductible for accidents, includes Vision coverage.  Max Out of Pocket per calendar year: $4,000 plus whatever deductible you choose.
 

PacificSource Elect Premiere plan: $25 Doctor & Urgent care visits (including Chiropractic, Acupuncture & Naturopathic), waives deductible for accidents, includes Vision coverage, includes 15 combined $25 Chiro. & Acupuncture visits, and unlimited Naturopathic.  Max Out of Pocket per calendar year: $5,000 (including deduc.) with 500, 750, 1,000 or 2,500 deductibles.  

ODS Maximizer: $20 Doctor & Urgent care visits, (including Chiropractic, Acupuncture & Naturopathic up to 1,000 PCY), waives deductible for accidents.  Max Out of Pocket per calendar year: $5,000 plus whatever deductible you choose.

Kaiser Platinum RX: $20 Doctor & Urgent care, $30 Specialty care, NO DEDUCTIBLE...full co-pay plan.  Includes Outpatient Labs at $15 and X-rays at $25. (Great bonus)  Max Out of Pocket PCY: $2,000.  (HMO)

Health Net Diamond: $15 Doctor, Urgent Care is deduc. then 20%, $20 Chiro, Acupuncture, & Naturopath (up to 500 annual benefit), $25/9 visits yr. for Massage Thereapy, waives deductible for accidents.  Max Out of Pocket per calendar year: $4,000 plus whatever deductible you choose.  

Providence Optimum: $20 Doctor, Urgent care 20% of bill, Max Out of Pocket per calendar year: $2,500 plus whatever deductible you choose.  

LifeWise WiseChoices: $20 Doctor & Urgent care visits, first $1,000 of an accident is covered then deduc & co-insur. apply, $25 Chiropractic & Acupuncture (12 visits per yr. combined), Naturopathy $20/visit, includes Vision coverage.  Max Out of Pocket per calendar year: $7,500 plus whatever deductible you choose. 

Please call for rates and more in depth details.  Let's find a plan that works best for your lifestyle.

As a broker I will provide you with Rates & Benefits from ALL of Oregon's top Insurance companies so that you can make an Informed Decision when purchasing Health Insurance; thereby giving you more control of your health insurance decision so that it suits your lifestyle.

Call or Email now for a free consultation, quote or to purchase insurance. I'm looking forward to partnering with you in your health and life insurance questions now and in the future.

Generate a quote yourself or apply now:

• For Assurant Rates: http://kylawestfall.mymedquote.com/HomePage.aspx

• For PacificSource Health Rates: Click Here

• For Dental Insurance Rates: Click Here
• For Short Term Medical (6-12 months): Click Here
• For International Medical Insurance: Click Here
• For AIM UnIsurable & Extra Protection Health Coverage: Click Here
• For Regence Blue Cross: http://www.regence.com/individual/medical/index.jsp?agentid=0102900-0031
• For Group Health WA: https://ghc.inshealth.com/ehi/Alliance?allid=Gro21010&agentid=147982
• For Kaiser OR or WA: https://kaiser.healthinsurance-asp.com/expressweb/user/URLDecryptAction.action?refID=-861ssdn7j2wsc2ygbitamb7qbogx0qvdoayjb12msszkwxizhpeappcm5sio6h
• For ODS of OR: https://www.odshealthplans.com/IndApp/AgentLink.do?agent=kyla2222
• For LifeWise WA: https://lwwa.inshealth.com/ehi/Alliance?allid=Lif25311&agentid=104925