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    • First Diagnosis Cancer Insurance Quote
    • Other Quotes >
      • Health Insurance Quote
      • Critical Illness Insurance Quote
  • Consultation
  • Insurance
    • Medicare Advantage Plans
    • Medicare Supplement Coverage
    • Part D Prescription Drug Plans
    • Dental, Vision and Hearing Insurance
    • Skilled Nursing Facility Coverage
    • First Diagnosis Cancer Insurance
    • Hospital Indemnity Insurance
    • Other >
      • Health Insurance
      • Critical Illness Insurance
  • About
    • Staff Directory
    • Client Testimonials
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Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

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What is Health Insurance?

Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about a health insurance plan for you.
(360) 558-1763
CALLING THE NUMBER ABOVE WILL DIRECT YOU TO A LICENSED INSURANCE AGENT.

Vancouver, WA 98665​
Click Here to Email Us
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Conradi Insurance
Vancouver, WA 98665
(360) 558-1763 or (509) 945-6130
CALLING THE NUMBER ABOVE WILL DIRECT YOU TO A LICENSED INSURANCE AGENT.
Click Here to Email Us

WA Producer License 1082280
OR Producer License 19740580
ID Producer License 19740580
MT Producer License 3002890299

Nat'l. Prod. No. (NPN) 19740580

Location

CMS Disclaimer: I do not offer every plan available in your area. Currently I represent 11 organizations which offer 80 products in your area.
​Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR FEDERAL MEDICARE PROGRAM.
Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS, and PDP] organizations that are contracted with Medicare.
​Enrollment depends on the plan’s contract renewal.