Insurance
Choose your path
Medicare
Aging into Medicare? Working Past Age 65?
Recently Eligible due to Disability?
You have so many questions, have heard so many “facts” and gotten so many phone calls and stacks of mail. We understand and we are here to help.
Why is it so confusing? Why are their two parts to Medicare? What is the difference between A&B? When and why do I need to enroll? What if I want to keep working past age 65? What is the difference between a Medicare Supplement and a Medicare Advantage plan? Which is right for me? What is the Donut Hole? The Coverage Gap? What are all those letters about? Can I keep my doctor?
We can explain it all – why 1960’s history matters – you really do need to know this! We know the rules, the answers and can help you, personally. You matter. Your medical and prescription needs matter. Where you access health care matters.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Now is the time to contact K Insurance Group for the help you need.
individual & Family Insurance
If you are self employed, work for a small employer who doesn’t offer benefits, or if you want to retire early or just received notice you are losing your current benefits, we are here to help.
We are certified through the Health Insurance Marketplace to assist anyone who needs their own health insurance. The ACA eliminated barriers such as pore-existing conditions and also expanded no cost preventive care. The America Rescue Plan, passed in 2021, generously expanded the amount of federal financial help to anyone who purchases their own health insurance by lifting the income ceiling to be eligible. We have helped hundreds of individuals and families with affordable health insurance.
Marketplace Enrollment
Over 142,000 Oregonians enrolled in Individual Health Insurance for year 2022 via the Federal Marketplace. The open enrollment period extends from November 1 through January 15, but enrollment is open year-round to individuals and families who experience life changes such as:
- Loss of other coverage
- No longer qualifying for OHP
- Losing Employer Group due to job change, divorce, or age
- Moving to a new location
- Change in family status – marriage, adoption, birth of a child
- Recognized Tribal membership
- Certain low income eligibility
Now is the time to contact K Insurance Group for free, no obligation help!
Small Business
Do you currently offer health insurance to your employees? Are they happy? Are you happy? Do you have the best plan options for your employees and for your bottom line?
What happens if a valuable employee gets sick and misses work? Did you know that you could be offering short- and long-term disability coverage to replace their income when they cannot work due to sickness or injury? The premiums are more affordable than you think, and the potential benefits are priceless.
K Insurance Group is an expert at finding the best health insurance plan offering for your employees and yourself! We specialize in small business groups (under 50 FTE’s) but serve large group employers as well.
We currently have 70+ microbusiness and small business groups who provide health insurance to their employees. Contact us to learn more about this great benefit.
Life Insurance
- Do you have the appropriate amount of life insurance to protect your family? Are your beneficiaries up to date?
- Do you have CDs or savings intended to pass on to your beneficiaries that is earning little or no interest?
- Do you know the difference between term and permanent life insurance? Do you understand how the cost of life insurance is calculated?
- Have you considered starting life insurance for your children, grandchildren, or great grandchildren?
- Do you worry about leaving your kids with bills for funeral and final expenses?
- Did your tax advisor suggest you set up an IRA?
- Do you have existing funds in a 401k that have been left with an old employer?
Are you an employer who currently does not offer health insurance? Are you losing employees or having difficulty hiring new employees? How much would it cost? What plans are available?
Now is the time to contact K Insurance Group for the help you need.
Medicare
Aging into Medicare? Working Past Age 65?
Recently Eligible due to Disability?
You have so many questions, have heard so many “facts” and gotten so many phone calls and stacks of mail. We understand and we are here to help.
Why is it so confusing? Why are their two parts to Medicare? What is the difference between A&B? When and why do I need to enroll? What if I want to keep working past age 65? What is the difference between a Medicare Supplement and a Medicare Advantage plan? Which is right for me? What is the Donut Hole? The Coverage Gap? What are all those letters about? Can I keep my doctor?
We can explain it all – why 1960’s history matters – you really do need to know this! We know the rules, the answers and can help you, personally. You matter. Your medical and prescription needs matter. Where you access health care matters.
Now is the time to contact K Insurance Group for the help you need.
individual & Family Insurance
If you are self employed, work for a small employer that doesn’t offer benefits, if you want to retire early or if you just lost your job and employer benefits, we are here to help.
The America Rescue Plan Act, just passed in April of 2021, generously expands the amount of financial help available to anyone who purchases their own health insurance. The ACA already eliminated pre-existing conditions, expanded preventive and essential benefits and offered help paying for premium. The ARPA expands the number of Americans eligible for help paying for health insurance by lifting the income ceiling at the same time increases the amount of help to truly make individual coverage more affordable and more accessible to more of us.
New Expanded Open Enrollment Period
now until August 15, 2021
• Do you qualify for more affordable health insurance?
• Are you enrolled in the best plan to maximize the premium dollars you are spending?
• Are you wanting to retire or pursue a new career and worried about health insurance?
Now is the time to contact K Insurance Group for the help you need. Now is the time to tell your friends and family who need help to call us.
Small Business
Do you currently offer health insurance to your employees? Are they happy? Are you happy? Do you have the best plan options for your employees and for your bottom line?
What happens if a valuable employee gets sick and misses work? Did you know that you could be offering short- and long-term disability coverage to replace their income when they cannot work due to sickness or injury? The premiums are more affordable than you think, and the potential benefits are priceless.
As of 2022, we currently have 70+ microbusiness and small business groups who provide health insurance to their employees. Contact us to learn more about this great benefit.
Life Insurance
- Do you have the appropriate amount of life insurance to protect your family? Are your beneficiaries up to date?
- Do you have CDs or savings intended to pass on to your beneficiaries that is earning little or no interest?
- Do you know the difference between term and permanent life insurance? Do you understand how the cost of life insurance is calculated?
- Have you considered starting life insurance for your children, grandchildren, or great grandchildren?
- Do you worry about leaving your kids with bills for funeral and final expenses?
- Did your tax advisor suggest you set up an IRA?
- Do you have existing funds in a 401k that have been left with an old employer?
Are you an employer who currently does not offer health insurance? Are you losing employees or having difficulty hiring new employees? How much would it cost? What plans are available?
Now is the time to contact K Insurance Group for the help you need.