The top-rated health insurance agent in Klamath Falls, Oregon is Pacific Ridge Insurance, rated 4.9 stars across 454 reviews. Other highly rated options include Phill Kensler - State Farm Insurance Agent, Rachael Spoon - State Farm Insurance Agent, Midland Empire Insurance. This directory lists 20 health insurance agents serving Klamath Falls.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Pacific Ridge Insurance | 2710 Washburn Way # 4 | (541) 273-8311 |
| 2 | Phill Kensler - State Farm Insurance Agent | 1307 S Alameda Ave Ste 1 | (541) 883-7000 |
| 3 | Rachael Spoon - State Farm Insurance Agent | 5429 S 6th St | (541) 884-6265 |
| 4 | Midland Empire Insurance | 527 Main St | (541) 882-3471 |
| 5 | Highstreet Insurance & Financial Services | 121 S 6th St | (541) 882-5555 |
| 6 | Aflac Klamath Falls | 422 Main St Suite 206 | (541) 887-8335 |
| 7 | Hans Norland & Sons Insurance | 2655 Shasta Way #2 | (541) 882-2515 |
| 8 | HUB International | 2300 Madison St | (800) 285-4788 |
| 9 | Webb Wilson Insurance Agency | 1889 Austin St | (541) 884-4147 |
| 10 | Toni Lynn Bonner: Allstate Insurance | 1737 Washburn Way | (541) 883-3641 |
Pacific Ridge Insurance serves Klamath Falls, Oregon, offering health insurance agent services to individuals and families. The company helps clients navigate open enrollment periods and compare plans from major carriers. Assistance is provided in understanding policy details, such as deductibles and out-of-pocket maximums. Pacific Ridge Insurance also guides local residents in enrolling in individual health plans and short-term medical coverage.
Phill Kensler - State Farm Insurance Agent in Klamath Falls, Oregon provides health insurance coverage, helping individuals and families select plans that meet their medical needs. The office offers guidance on policy options and assists with enrollment and plan adjustments throughout the year. Clients can access service for maintenance of existing policies, including updates for changes in health circumstances or life events. This agency serves a range of properties, including single-family homes, apartments, retail locations, and restaurants.
Rachael Spoon - State Farm Insurance Agent serves homeowners, families, and individuals in Klamath Falls who need health coverage for themselves and their households. The agency helps clients navigate plan options during open enrollment and special enrollment periods, explaining how deductibles, copays, and provider networks work. Health insurance agents in this area guide customers through both private plans and public marketplace choices based on individual needs. The agency also provides service to surrounding communities such as Altamont and the wider Klamath Basin area.
Midland Empire Insurance serves Klamath Falls and the surrounding communities of southern Oregon. The agency handles health insurance plans for individuals. It assists families and small business groups in finding coverage that meets their healthcare needs and budget. The company works with clients to explain plan details and enrollment periods. It guides customers through the selection process by evaluating their medical requirements.
Highstreet Insurance & Financial Services in Klamath Falls, Oregon, assists clients with the differences between short-term health plans and long-term major medical coverage, guiding them through enrollment either once or on a recurring annual basis. They also explain network options and out-of-pocket costs to help individuals and families make informed decisions for their healthcare needs. Service typically runs on an as-needed basis, allowing clients to schedule consultations for initial setup, policy renewals, or changes to existing coverage.
Aflac Klamath Falls specializes in helping individuals and families select supplemental health insurance policies to cover gaps left by major medical plans. It assists local residents with the general task of navigating open enrollment periods and comparing plan options. The agency serves Klamath Falls by explaining how accident or critical illness policies can offset unexpected out-of-pocket costs. It specifically helps clients prepare for the busy summer tourist season, when increased outdoor activity often raises the risk of injury and associated medical expenses.
Hans Norland & Sons Insurance provides health insurance agent services to individuals and groups in Klamath Falls, Oregon. The company typically assists clients in comparing plans and navigating enrollment. Their work involves explaining coverage options and policy details. As health insurance agents, they aim to help customers find suitable plans for their needs. The firm can usually serve commercial sectors such as offices, warehouses, and food service businesses.
As winter weather in Klamath Falls increases the risk of slips and falls, residents often seek coverage that addresses injury-related medical costs. HUB International acts as a local health insurance agent, helping clients in southern Oregon compare individual and family plans that match their medical needs and monthly budgets. Representatives explain policy options from major carriers during personalized consultations. Each appointment begins with a thorough assessment of the client's current health status and coverage requirements.
Webb Wilson Insurance Agency is known in Klamath Falls, Oregon, for connecting residents with individual and family health insurance plans. Its agents help clients navigate the annual open enrollment period and explain the differences between HMO and PPO networks. They also assist with understanding subsidies available through the Oregon Health Insurance Marketplace. As a health insurance agent, the company can help small business owners explore group coverage options for their employees. Additionally, the agency offers guidance on enrolling in dental and vision insurance as a standalone supplement.
Toni Lynn Bonner: Allstate Insurance serves Klamath Falls residents with personalized health insurance guidance. The agency also assists local businesses in finding suitable commercial coverage options for their employees throughout the region. Understanding individual needs, they help clients navigate plan selections for medical, dental, and vision protection in this area. Account holders receive direct support for enrollment questions and claims assistance as they arise. The company provides follow‑up consultations and policy reviews between regular visits to ensure continuous coverage remains appropriate for each changing situation.
What Does a a Health Insurance Agent in Klamath Falls Cost?
Health insurance agents in Oregon typically do not charge consumers directly for their services. Instead they receive commissions from the insurance carriers, which are built into the plan premiums. For individual plans, monthly premiums in Klamath Falls can range from around 300 to 800 dollars per person depending on age, income, and plan tier. Costs vary by case and by the specific plan chosen. This is general information and not insurance advice.
About health insurance agents in Klamath Falls
Health insurance agents in Klamath Falls help individuals and families find coverage through the Oregon Health Insurance Marketplace or private plans. Oregon requires all agents to be licensed by the state and follow specific rules for plan disclosure and enrollment. Local agents understand the needs of Klamath County residents and can guide you through open enrollment or special enrollment periods.
Frequently Asked Questions
What does a health insurance agent in Klamath Falls do?
A health insurance agent helps you compare plans from different carriers, explains benefits and costs, and assists with enrollment. They must follow Oregon rules including providing a summary of benefits and coverage. Agents do not charge you directly because they receive commissions from insurance companies.
When can I enroll in health insurance in Oregon?
Open enrollment for the Oregon Health Insurance Marketplace typically runs from November 1 to January 15 each year. You may qualify for a special enrollment period if you have a qualifying life event like losing other coverage, moving, or having a baby. An agent can help you determine your eligibility.
Are there Oregon specific rules for health insurance agents?
Yes. Oregon requires agents to complete continuing education on state laws and ethics. Agents must also provide a written disclosure of their license status and any conflicts of interest. Oregon law prohibits agents from misrepresenting plan details or charging fees beyond what is allowed.