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Best Health Insurance Agencies in Bend

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Steve Thill with AIC Insurance Agency logo
FEATURED
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License Verified:

License: 8218002

Oregon Division of Financial Regulation

Steve Thill with AIC Insurance Agency

1824 NE Division St. Suite F, Bend, OR 97701
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  • Individual Plans
  • Group Plans
  • Health Insurance
  • Medicare
  • Home & Auto Insurance

Business Description

An insurance agent for more than a decade, Steve Thill with AIC Insurance Agency offers health insurance solutions to individuals and families in Bend. Steve's insurance policies seek to safeguard the health of policyholders and their families by eliminating the substantial financial risk when clients are faced with costly medical care. The agent also provides health insurance plans to businesses and organizations to secure financial protection for their employees and members in case of unexpected injuries.

License Verified:

License: 8218002

Oregon Division of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bend Health Insurance logo
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License Verified:

License: 2544137

Oregon Division of Financial Regulation

Bend Health Insurance

740 NE 3rd St. Suite 3-194, Bend, OR 97701
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  • Individual Plans
  • Group Plans
  • Life Insurance
  • Health Insurance

Business Description

Bend Health Insurance offers a range of risk management solutions to policy buyers in the Bend metro. It provides health insurance policies and dental and vision coverage for individuals, families, and groups. Medicare Supplement, Advantage, and prescription drugs coverage are available. Bend Health Insurance also carries short-term medical coverage, travel health policies, health coverage for immigrants, and health savings accounts. In addition, the brokerage has insurance plans for homes and automobiles.

License Verified:

License: 2544137

Oregon Division of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
5.0 / 5 (7)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bend Medicare logo
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License Verified:

License: 100173343

Oregon Division of Financial Regulation

Bend Medicare

60912 Grand Targhee Drive, Bend, OR 97701
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  • Health Insurance

Business Description

Bend Medicare is an independent agency that represents and assists in securing insurance plans for customers in Bend and its nearby areas. It was established in 2014 and has since focused on providing Medicare assistance to clients who are 65 or older, with certain disabilities, amyotrophic lateral sclerosis, or end-stage renal disease. The agency educates clients about their Medicare options to ensure that they get and understand their plans' coverage. Additionally, Bend Medicare can arrange supplement plans to cover deficiencies in clients' policies.

License Verified:

License: 100173343

Oregon Division of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Blake Ettestad logo
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License Verified:

License: 18091367

Oregon Division of Financial Regulation

Blake Ettestad

145 NE Revere Avenue Suite 2, Bend, OR 97701
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  • Life Insurance
  • Medicare Supplements
  • Health Insurance

Business Description

Blake Ettestad helps clients in Bend and the surrounding areas obtain a variety of insurance solutions. As a State Farm insurance agent, he gives individuals and families access to a selection of protection plans for life, health, home, auto, pet, and business. He also offers investment guidance regarding banking, annuities, and mutual funds. Blake and his team have over 60 years of combined industry experience. This agency's mission is to help clients live confidently by insuring them and their assets.

License Verified:

License: 18091367

Oregon Division of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.7 / 5 (37)
Facebook
4.7 / 5 (13)
Yelp
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Fall River Life & Health Insurance Solutions, Inc. logo
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License Verified:

License: 100170047

Oregon Division of Financial Regulation

Fall River Life & Health Insurance Solutions, Inc.

1720 Northeast 4th Street, Bend, OR 97701
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  • Health Insurance

Business Description

Bend-based insurance agency Fall River Life & Health Insurance Solutions, Inc., provides insurance options for residents in the metro and the surrounding communities. It is an independent Medicare-only agency, making it well-acquainted with all the available local and national Medicare plans. The firm helps clients with annual reviews to adjust coverage accordingly as their needs change. Michelle Thomas founded Fall River Life & Health Insurance Solutions, Inc. in 2009. She has been working in the Medicare market since 1991.

License Verified:

License: 100170047

Oregon Division of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Health Insurance Strategies, LLC logo
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License Verified:

License: 3000078276

Oregon Division of Financial Regulation

Health Insurance Strategies, LLC

320 SW Upper Terrace Drive, Suite 101, Bend, OR 97702
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  • Health Insurance

Business Description

Health Insurance Strategies, LLC, is an agency that serves clients in Bend. It offers a variety of health insurance plans, including Medicare Advantage, Medicare Supplements, dental, and vision plans. The agency works with several insurance carriers, including Moda, Providence Health Systems, and Health Net. Its staff has more than 50 years of combined experience in offering employee and individual health care benefits. Health Insurance Strategies specializes in integrating health insurance with tax strategies to provide clients with insurance products that suit their goals.

License Verified:

License: 3000078276

Oregon Division of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Jim Bowlin logo
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License Verified:

License: 1500218

Oregon Division of Financial Regulation

Jim Bowlin

2214 NE Division, Ste 109, Bend, OR 97703
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  • Life Insurance
  • Health Insurance

Business Description

Located in Bend, Jim Bowlin provides financial solutions to clients throughout the metro. He works as a State Farm agent and offers health insurance options, like Medicare Supplement and short-term disability insurance. Bowlin also handles life insurance and advises clients on options like whole and term life plans. He helps business owners mitigate financial risk through various commercial insurance products, like workers' compensation and builder's risk insurance. Bowlin has been in the insurance industry for more than 25 years.

License Verified:

License: 1500218

Oregon Division of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (39)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Paul Finch logo
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License Verified:

License: 8559380

Oregon Division of Financial Regulation

Paul Finch

1050 SE 3rd Street, Bend, OR 97702
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  • Health Insurance

Business Description

Since 2005, State Farm insurance agent Paul Finch has been providing Bend-based clients with health and life insurance options. He helps them get the protection they need during unexpected situations. He offers insurance products with auto, home, and business coverage. Finch also assists renters in getting their insurance plans, as well as individuals who want to obtain financial services and recreational vehicles policies. While keeping his commitment to lifelong learning, he has received various designations like Chartered Financial Consultant, RICP, and CASL.

License Verified:

License: 8559380

Oregon Division of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (171)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

How can you find affordable health insurance? 

Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

What is health insurance?

Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

How do health insurance companies make money?

Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

What is subsidized health insurance?

Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

What is a health insurance deductible? 

A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

Is it illegal to not have health insurance?

No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

Does health insurance cover therapy? 

All Marketplace plans must cover behavioral health care services, including counseling, inpatient care, and substance abuse treatments. However, there are coverage limits, and preauthorization may be required.

What is a copay?

A copay is a fixed price that you pay at the time of service after your deductible is satisfied. Insurance companies set specific rates for primary and specialty care and other services, such as emergency room visits and X-rays. Alternatively, plans may have coinsurance rates that require beneficiaries to pay a certain percentage of covered charges.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is a federal service designed to help consumers compare and purchase subsidized health insurance plans that comply with the Affordable Care Act. A number of states operate their own insurance marketplaces, including California, Colorado, New York, and Pennsylvania.

How can you find health insurance without a job?

Individuals who don't have access to health insurance through their job can purchase ACA-compliant plans through the Health Insurance Marketplace. Off-exchange plans are also available through private insurers and independent agents. The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives certain individuals who are losing their coverage the right to maintain the same plan for a limited time period. 

Can you cancel health insurance at any time? 

Consumers can cancel their health coverage at any time. Cancellations may be effective immediately or at a specified date. However, you must wait until Open Enrollment to sign up for a new plan unless you qualify for a Special Enrollment period.

Can you have more than one health insurance policy?

It's possible to have primary and secondary health insurance. This is most common with Medicare and Medicaid beneficiaries, including dual enrollees and individuals who purchase supplemental plans. Secondary plans can cover some additional expenses, but you're still responsible for premiums and deductibles.

Is health insurance pretax?

Premiums for employer-sponsored health plans are generally deducted from the worker's pretax income. The same is true for voluntary contributions made to Flexible Spending Accounts and Health Savings Accounts that are paired with a qualifying high-deductible health plan.

How long can a child stay on a parent\'s health insurance policy?

Children can stay on their parents' health insurance plan until their 26th birthday. There's a 60-day special enrollment period following this date. Exemptions allow disabled adult children to remain on their parents' policy beyond this age.

Do you have to pay a health insurance deductible upfront?

In most cases, out-of-pocket expenses for approved services count toward your deductible. However, it's increasingly common for hospitals to request all or part of the deductible upfront when scheduling major services, such as CT scans and surgeries.

Do employers have to offer health insurance?

The Affordable Care Act requires companies with at least 50 full-time employees to make essential health benefits available to 95% of their workforce. Companies that choose not to offer such benefits may have to pay a penalty.

Is there a tax credit for having health insurance?

The Advance Premium Tax Credit is a federal tax rebate designed to lower the cost of health insurance plans purchased through the Marketplace. Eligibility is based on income and household size. Consumers can decide how much of their tax credit to put toward their premiums.

Read all FAQs