Individual Health Plans
T.W. Morgan Insurance Services has been providing health insurance in the Northwest since 1991. As an independent agency, we are here to provide the necessary navigating to guide you through the complexities of Health insurance.
Our goal is to give clients an overall picture of their insurance needs. We work directly with YOU to tailor a benefits package that will fit your budget.
Insurance rates are state regulated! This means you will pay the same premium whether you buy through us, go directly to the carrier, or purchase on-line. However, the benefit of going through our agency is that you will receive detailed customer service, and independent advice of the various plans, at no additional cost to you. It's like having a personal shopper. All we ask is if you like our service and the products we have presented, you will purchase your policy through us. TW Morgan Insurance services offers the highest level of personalized customer service. This is what separates us from the competition.
Let Eileen or Tim help you design an insurance program you will understand, feel comfortable with and will maximize your protection in a time of need.
What We Do
Initial Review of Your Current Coverage
When we sit down for our initial review, we want to know what you currently have for insurance and how well it has or has not worked for you. If our advisors feel that your current plan is better than other options we can offer in the marketplace, we’re going to advise you to stay as is. If it is not broken, why fix it?
Comprehensive Comparison of Coverage
Think of us as your personal agent, we're here to help review and compare insurance plans side by side and point out differences in product, network access, and customer service from one carrier to the next. Our goal is to help you select a plan that will fit your needs AND your budget.
Efficient Processing of Your Application
Our services continue through the application process. No one likes filling out applications, but if this is done incorrectly, any missing or questionable information can cause huge delays in the underwriting process. We know what information the insurance companies need to review your application so we will make sure your application is correct and complete before it is sent for review.
Customer Service
We have a full-time staff that is dedicated to your satisfaction. "Service Above the Rest" is our motto; it is our pledge to you. If you ever have a problem with a claim or any service you receive from an insurance company, we will gladly step in and help move the process forward and we will be happy to do it and this is included at no additional cost.
Coverage Review When You Want It
All insurance products should be reviewed on a regular basis…at least once every year or two. Call our friendly staff when you're ready to have a policy review. In addition, we are always available to answer any questions or concerns you may have about your plan or address any changes in the market. According to the provisions of the ACA (Affordable Care Act), i.e. Obama Care, you can only change plans during the annual open enrollment period or if you have a qualifying event, such as moving to the area, loss of group health insurance, adoption, birth, divorce.
At T.W. Morgan Insurance Services, we have partnered with some of the leading health insurance providers serving our Oregon and Washington customers. You can click on one of the health carrier icons to apply online or contact our office at 503-245-3345 or Toll Free 888-821-4717 and we will process your application for you.