Welcome to Howard Insurance Agency for Seniors

Howard Insurance Agency, Inc., established in 1999, represents many top rated health insurance companies. We specialize in helping Oregon seniors select Medicare solutions. There is no cost for our service. Our agency is able to provide you the expertise needed to resolve your health insurance needs. We will help you select an insurance company with a highly ranked financial rating. We provide friendly, courteous service while keeping a close eye on the “bottom line”.

We believe our commitment to our customers, combined with our knowledge, superior service, and experience are the keys to developing trusting and long-standing relationships. Howard Insurance Agency has been in business for so long because so many people have been pleased with our service and integrity. We are dedicated to serving your needs; that is our #1 priority! We will make every effort to ensure that you are among our many satisfied customers.

We believe in personal, honest, friendly communication and strive to connect with our customers to discuss their unique and personal health insurance needs. Please contact us today to schedule an appointment for a complete review of your Oregon Medicare health insurance options. We can save you time and money!

Do I need something other than just Medicare?

As you approach age 65, it’s time to determine whether you will need health insurance to complement original Medicare. For most seniors who enroll in Medicare Parts A and B, buying an additional policy is a good idea. Original Medicare covers approximately 80% of the cost of many health care services and supplies. In the remaining 20%, there are substantial costs, deductibles, and co-pays that can easily cost you thousands of dollars each year in of out-of- pocket medical expenses. A Medicare Supplement policy or a Medicare Advantage Plan provides coverage for those gaps in your Medicare coverage and can save you money and concern about finances.

You are eligible to purchase an Oregon policy at various times of the year, depending on your personal situation and age. It can be very complicated and there are many rules set by the Center for Medicare Services (CMS).

However, most people choose a policy around the time they turn age 65. During this time, you have Guarantee Issue, which means insurance companies cannot deny you coverage based on your health status or claim experience. It is very important to make wise decision when you have that Guarantee Issue opportunity!

Howard Insurance Agency is happy to provide information and options available to you for a policy that supplements your original Medicare. Contact Hilary today at (503) 443-5923, toll free at (888) 801-5818, or send a secure email from the Contact Us page.

What is a Medicare Supplement policy?

• A Medicare Supplement policy – or Medigap plan – is a health insurance policy made available through private insurers designed to cover the expenses not covered by Original Medicare.
• Federal law mandates features and benefits of the various Medicare Supplement (Medigap) policies.
• Benefits are standardized and are the same among private insurers who make this coverage available. Monthly premium price is the only difference between the insurance carriers.
• You can see any health care provider allowed by Medicare.
• You do not need a referral to see a Specialist
• There is no network; you are free to travel!
• Ask me about the premium only, popular Plan F (that’s right, you pay only a premium, no co-pays or co-insurance).
• Monthly premiums and plan features for Medicare Supplement (Medigap) plans can vary widely, depending on the type of plan you choose. Depending on your circumstances, you may need certain features that not all the plans offer. For example, some plans offer emergency coverage while you’re traveling overseas, while other plans do not.
• Easy to budget! Premiums are entirely predictable so you can make wise financial decisions.
• A Medicare Supplement (Medigap) policy only works with Original Medicare. These policies do not work in conjunction with Medicare Advantage, group health insurance plans, or VA/TRICARE benefits.
• Prescription drug coverage is not included with these plans. You may want to purchase a stand-alone Part D Prescription plan; we can help you with that too.