Business Details
30 Years
experience
Trusted Insurance Solutions in Astoria, OR
Since 1996, Clatsop Health & Life Insurance Agency has been the exclusive provider of health and life insurance services in Clatsop County. Our agency operates as an independent representative for all major health and Medicare insurance providers serving Northwest Oregon, offering personalized guidance without additional costs to clients. Our team possesses over 25 years of specialized expertise navigating complex insurance markets, helping individuals and businesses select optimal coverage plans.We maintain deep relationships with 26+ insurance carriers, ensuring access to comprehensive market options. Our client-centered approach focuses on transparent education about plan benefits, provider networks, and subsidy eligibility while streamlining enrollment processes. We serve both individual policy seekers and businesses with common-law employees, providing year-round dental coverage options and specialized Medicare supplement guidance through Oregon's unique Birthday Rule framework.
Services
Individual Health Insurance
Group Health Insurance
Medicare Solutions
Dental Coverage
Medicare Supplement
Details
- Year established: 1996
Highlights and features
- We've specialized in Northwest Oregon insurance since 1996
- Only agency in Clatsop County offering exclusive health/life coverage
- Represent all regional health insurance providers
- Free assistance with no additional service fees
- Expertise in insurance subsidy qualification determinations
Services
Individual Health Insurance
We assist individuals in obtaining customized health insurance plans from leading providers or through the Health Insurance Marketplace. Our agents provide detailed explanations of plan benefits, help identify optimal provider networks, and guide clients through enrollment processes while determining eligibility for premium subsidies. Our services remain free to consumers, with identical premiums regardless of purchase method.
Group Health Insurance
We provide group medical and dental insurance solutions for businesses with at least one common-law employee. This service offers expanded plan options compared to individual coverage, potentially reducing costs based on business composition. We help employers navigate plan selection and implementation while maintaining no additional service fees for our assistance.
Medicare Solutions
Our agency offers comprehensive Medicare options including supplemental plans and Medicare Advantage alternatives. We provide specialized guidance for prescription drug coverage selection (Part D) and assist with plan changes through Oregon's unique Birthday Rule. Our experts help Medicare beneficiaries evaluate and modify their coverage without medical underwriting during designated periods.
Dental Coverage
We offer year-round dental insurance options for individuals and families seeking affordable oral healthcare coverage. Our agents help clients compare available plans and select appropriate benefit levels without requiring special enrollment periods. This service remains accessible at any time through multiple insurance carrier partnerships.
Medicare Supplement
We specialize in Medicare Supplement plans filling gaps in Original Medicare coverage. Our experts help clients evaluate different plan types, compare pricing structures, and understand coverage limitations. We provide ongoing support for policyholders wishing to modify their supplemental coverage through Oregon's favorable regulatory framework allowing birthday month changes without medical review.
People
Hamil Brown
Insurance Agent
Hamil Brown brings extensive local insurance expertise to help clients navigate complex health coverage options. With deep knowledge of regional insurance markets, he provides personalized guidance for individual and business policy needs while maintaining commitment to exceptional customer service.
Candi Vanderburg
Insurance Agent
Candi Vanderburg delivers specialized support for Medicare and supplemental insurance solutions. Her client-focused approach helps senior clients understand coverage options while leveraging local market knowledge to recommend plans that best meet individual healthcare needs and budgetary requirements.
Zach Michaelis
Insurance Agent
Zach Michaelis provides comprehensive insurance guidance for both individual and business clients. His expertise spans health, dental, and Medicare coverage options, with particular focus on helping small businesses establish effective employee benefits packages that meet regulatory requirements and workforce needs.
Questions
How do your insurance services cost?
Our services are completely free to consumers. Insurance premiums remain identical whether you purchase directly or through our agency.
What insurance coverage options exist for businesses?
Businesses with common-law employees can access group medical and dental plans often offering broader options at competitive rates.
Can I change Medicare Supplement plans?
Oregon residents qualify for special enrollment during their birthday month without medical underwriting under the Birthday Rule.
When can I enroll in individual health insurance?
Open Enrollment runs November 1-December 15 for January 1 coverage. Special Enrollment periods require qualifying life events.
Do you offer dental insurance options?
Dental coverage is available year-round through our agency for both individual and family policyholders.
Reviews (1)
Darian Neilson
Oct 16, 2020
Report
Positive:Professionalism
Very thorough and professional staff. I, like many people, value speed and accuracy. Clatsop Health and Life encompasses both.
Very thorough and professional staff. I, like many people, value speed and accuracy. Clatsop Health and Life encompasses both.
