sder4Here are a few questions you need to ask and consider before you enroll:

  1. Do you understand what your out of pocket expenses are? Out of pocket expenses can include; deductibles, co-pays, travel expenses, and lost wages.
  2. Do you need dental or vison insurance? Dental insurance is not provided under group or individual health plans. We can offer options for both dental and vison plans. Consider what you’d spend without one or both of these types of policies and balance that amount against the cost of coverage.
  3. If you were out of work for a long period of time, do you have enough resources to pay your bills? Some employers offer long term disability.  You may want to consider buying your own policy if this is not offered through your employer.
  4. Do you have an understanding of your many options? There are many plan options that have different benefits, deductibles, and co-pays.
  5. Are you a high activity family? Do you have children is sports? Do you like outdoor activities?  Are you involved in adult sports leagues? You may want to consider some level of accident insurance. Accident insurance pays benefits you can use for medical bills and other out-of-pocket expenses.

We are professional Insurance Advisers and we want to do more than just sell you insurance. Our goal is to understand each of our client’s personal needs and offer sound solutions. Because we are an independent agency, we represent multiple carriers on your behalf.

We have the latest in quoting technology, blended with professional and personal service. At Columbia River Insurance Services, we pride ourselves on not just meeting, but exceeding our customer’s expectations. Once the sale is made, that is just the beginning of our relationship.