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Best Health Insurance Agencies in Salem

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ATRIO Health Plans logo
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ATRIO Health Plans

2965 Ryan Drive Southeast, Salem, OR 97301
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  • Individual Plans

Business Description

Atrio Health Plans serves clients living in Salem and other nearby counties by providing insurance policies targeting their clients' needs while considering their financial capabilities in the process. They specialize in offering Medicare plans that are based on a detailed analysis of their clients. They have a team of expert insurance agents who cater to their clients and considering their opinions in creating the insurance policy suited for their various needs and preferences in healthcare.

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.
4.1
Google
4.0 / 5 (11)

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
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Detail
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Bliss Sequoia Insurance & Risk Advisors logo
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License Verified:

License: 100170703

Oregon Division of Financial Regulation

Bliss Sequoia Insurance & Risk Advisors

235 Front Street Southeast, Salem, OR 97301
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  • Individual Plans
  • Life Insurance

Business Description

Bliss Sequoia Insurance & Risk Advisors provides a comprehensive range of personal and business insurance solutions to its clients in Salem and nearby areas. Its agents assist individuals with securing health and life policies, as well as supplemental plans. It also offers a Health Savings Account to help its clients prepare for future medical needs and expenses, and has partnered with the HSA Bank. Other available types of insurance products include contractors, auto, home, non-profit, and commercial insurance plans.

License Verified:

License: 100170703

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 (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
Bredimus Insurance Agency logo
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Bredimus Insurance Agency

780 Commercial Street Southeast, Salem, OR 97301
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  • Individual Plans
  • Group Plans

Business Description

Bredimus Insurance Agency is a Salem-based insurance company that specializes in health insurance services. Since 2000, this agency has been providing services to individuals and small businesses. It offers various categories of health insurance plans, including gold, silver, and bronze health insurance. The company guides clients in selecting which of these plans suits their insurance needs and budget. It also assists clients in understanding the different levels of coverage that most marketplace health insurance plans have.

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
Olson Insurance logo
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License Verified:

License: 100203976

Oregon Division of Financial Regulation

Olson Insurance

115 McNary Estates Drive North, Keizer, OR 97303
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  • Individual Plans
  • Life Insurance

Business Description

Olson Insurance is an agency that has been serving Salem and the surrounding communities since 1996. It provides health and life insurance plans to individuals, families, and businesses. Additionally, Medicare coverage options are also available. Its team of professionals delivers a wide range of services that assist clients in processing their insurance, including annual market analysis, electronic data interchange, and claims experience reviews. They partner with various insurance carriers, such as UnitedHealthcare, PacificSource Health Plans, and Health Net.

License Verified:

License: 100203976

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Premier Northwest Insurance logo
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License Verified:

License: 1960027

Oregon Division of Financial Regulation

Premier Northwest Insurance

4741 Liberty Road South, Salem, OR 97302
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  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Premier Northwest Insurance provides health insurance options to clients in Salem and the surrounding areas. The locally owned and family-owned agency has been in the business for over 45 years. The company assists with health insurance policies for individuals, families, and employer groups. The benefits packages include Medicare, alternative care, dental, vision, short-term disability, and health reimbursement accounts. Premier Northwest Insurance is also experienced in handling life, auto, home, farm, and business insurance products.

License Verified:

License: 1960027

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.
4.9
Google
4.8 / 5 (4)
Facebook
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
R. Bauer Insurance Inc. logo
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License Verified:

License: 100151265

Oregon Division of Financial Regulation

R. Bauer Insurance Inc.

2735 Liberty Street Northeast, Salem, OR 97301
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  • Life Insurance

Business Description

R. Bauer Insurance Inc. is a company that helps individuals in Salem and its surrounding areas find the right health insurance that suits their needs. The firm has a wide range of health insurance options, including EPO, HMO, POS, and PPO. Additionally, it helps people safeguard their prized possessions through a variety of vehicle and property insurance plans. R. Bauer Insurance Inc. is a locally operated and independently owned business that has been in the industry since 1957.

License Verified:

License: 100151265

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.
4.1
Google
3.8 / 5 (21)
Facebook
5.0 / 5 (6)

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
Raven Schreiner logo
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License Verified:

License: 18910947

Oregon Division of Financial Regulation

Raven Schreiner

4352 Commercial Street Southeast, Salem, OR 97302
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  • Individual Plans
  • Life Insurance

Business Description

Raven Schreiner is an insurance agent who provides tailored insurance solutions to clients in the Salem area. He represents State Farm and carries personal and commercial insurance policies from the carrier. He leads a team of two agents who offer and underwrite activities for health insurance products, such as individual health coverage, supplemental health coverage, and Medicare Supplements. They also have insurance plans for protecting cars, homes, personal properties, businesses, and pets.

License Verified:

License: 18910947

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.
4.1
Google
4.0 / 5 (85)
Facebook
5.0 / 5 (9)

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
The Summit Group of Oregon logo
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License Verified:

License: 100161036

Oregon Division of Financial Regulation

The Summit Group of Oregon

6446 Fairway Avenue Southeast, Salem, OR 97306
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  • Individual Plans
  • Life Insurance

Business Description

The Summit Group of Oregon has been operating to provide health insurance solutions in Salem since 1997. The service provider has access to over 100 insurance carriers to acquire insurance plans that are ideal for every families' individual needs. Its agents also shop for the lowest health insurance programs with the maximum benefit available in the marketplace. Clients who need individual health insurance plans are accommodated, as well. The Summit Group of Oregon is dedicated to providing professional advice that aligns with its clients' financial goals.

License Verified:

License: 100161036

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.
4.9
Google
4.0 / 5 (13)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Valley Insurance Professionals logo
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License Verified:

License: 100167774

Oregon Division of Financial Regulation

Valley Insurance Professionals

1295 Baxter Road Southeast, Salem, OR 97306
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  • Individual Plans
  • Life Insurance

Business Description

Valley Insurance Professionals is an independent insurance provider in Salem that serves all of Oregon and Washington. Established in 2009, it employs agents who aid clients understand the options they have while sourcing protection plans that fit their individual needs and preferences. Among the insurance products it offers is health insurance, which protects clients from financial loss in the event of covered illness or injury. Additionally, Valley Insurance Professionals also provides life, disability, and long-term care insurance.

License Verified:

License: 100167774

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.
4.9
Google
4.0 / 5 (15)
Facebook
5.0 / 5 (11)

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
Back to Providers

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