I Missed the Deadline, Now What?

Okay, so you have been living under a rock and have missed open enrollment for Health Insurance. What to do now? Have no fear as there are a few carriers that have extended open enrollment for their direct Individual/Family Health Insurance plans. In some cases this runs until April 30th.  Also, the Centers for Medicare [Read more… ]

Which Carrier Is Best for Me?

Regency Blue Cross Blue Shield of Oregon Blue Cross is a sound, long-standing carrier for those who want a reliable, financially stable company.  They have several networks of providers available.  For example, one is a very large network with all the doctors in Oregon; another is a limited network with just Tuality Hospitals.  In addition, there [Read more… ]

The Fee for Not Having Health Insurance

If you don’t have coverage in 2015, you’ll pay the higher of these two amounts: 2% of your yearly household income or the maximum of $325 per person for the year ($162.50 per child under 18). Only the amount of household income above the tax filing threshold, about $10,000 for an individual, is used to calculate the penalty. [Read more… ]

Small Group Health Insurance

No Group Is Too Small! We specialize in small groups of two to twenty. No group is too small for our undivided attention.  Group size can range from a group of one to a group of twenty or more.  Choose from many options and benefits based on your needs and budget, including: Medical Dental Vision [Read more… ]

Group VS Individual Coverage

Health Insurance Made Simple Group and Individual Health insurance is very different from each other.  Group Health Insurance tends to give you more benefits up front such as emergency room visits as well as X-Ray and lab paid before deductible. Individual plans may be less expensive. Group Insurance is a guarantee issue plan. Where as [Read more… ]

Why Use a Broker?

The Brokers Role Brokers play an important role when choosing your Health, Life or Medicare Insurance Plan.  We are always free to use, we are paid by the insurance company and can not charge consulting fees for our time. A good Broker will: represent all the carriers in your local Market spend many hours monthly [Read more… ]

Health Insurance Made Simple

FG Insurance is a Health Insurance Brokerage House. We Specialize in Individual and Small Group Health Insurance and can also help with Medicare Supplements. We understand Health Insurance is confusing and can be very expensive. Our goal is to make it easy for you to understand and to find a plan that fits your budget as well [Read more… ]

Health Insurance Exchange

What is it going to cost? You can now place your annual gross income into the site, your age and how many family members live in your household and you can see what your estimated montly cost for insurance will be. Plan designs are not yet posted but the rates are. There is much more [Read more… ]

Insurance Coverage

First and foremost, people need enough insurance coverage. Health insurance that is linked to a job or is insufficient because it doesn’t include preventive care is causing millions of people to avoid the care they need and to be vulnerable to devastating medical bills. In addition to increased coverage and better access to care, the [Read more… ]