If you are looking to purchase health insurance, you have two options. You can buy health insurance from the health insurance marketplace, also known as Obama Care medical insurance, or purchase private insurance. Here at Linda Dugan Insurance, serving the greater Astoria, OR area, we can help you find the insurance plan that is right for you. Here are a few benefits associated with buying health insurance outside the health insurance marketplace. 

You Can Purchase Health Insurance Any Time of the Year

The health insurance marketplace is only available for open enrollment for a few weeks in the winter months. Unfortunately, unless you have a qualifying life change, such as moving or having a new child, you cannot enroll in health insurance through the health insurance marketplace outside of open enrollment periods. When you select a private health insurance policy, you can enroll in that type of policy anytime throughout the year. 

You Have More Plans Available To You

The other significant benefit of purchasing private health insurance outside the health insurance marketplace is that you have more health insurance plans. Some health insurance companies do not offer health insurance through the marketplace or may limit the plans they offer. As such, you have more plans and insurance companies available to select from when you purchase health insurance away from the health insurance marketplace. 

If you are in the market for a new health insurance plan in the greater Astoria, OR region, the team at Linda Dugan Insurance would love to help you find the best insurance policy for your needs. Reach out to us today to get started. 

Umbrella insurance is an important type of insurance to carry for complete financial protection. Misconceptions are common when it comes to umbrella insurance. 

At Linda Dugan Insurance, we want our clients in Astoria, OR to be adequately informed about umbrella insurance. The following are three common misconceptions to be aware of about umbrella insurance. 

It costs a lot of money to purchase an umbrella insurance policy.

You shouldn’t forego umbrella insurance coverage under the assumption that it is too costly. Get a quote on an umbrella insurance policy, and you’re likely to find that this is one of the most affordable types of insurance available. 

You don’t need umbrella insurance unless you are a high-net-worth individual.

Umbrella insurance is often associated with very wealthy individuals. However, anyone with considerable savings can benefit from having an umbrella insurance policy.

Umbrella insurance coverage protects anyone who has more in savings than they carry in coverage maximums on their standard insurance policies. This makes umbrella insurance coverage advantageous to many consumers out there. 

No one needs umbrella insurance if they have home insurance.

Home insurance is very valuable to have. However, this doesn’t mean that home insurance offers so much coverage that it makes umbrella insurance unnecessary.

Umbrella insurance offers coverage in addition to that offered by a consumer’s home insurance policy. Although home insurance is helpful in the event of a situation like a lawsuit, home insurance has policy maximum coverage limits.

Umbrella insurance coverage takes over for lawsuits that cost more than the policy maximums on a consumer’s home insurance policy. 

Don’t believe misconceptions about umbrella insurance in Astoria, OR. Please message us at Linda Dugan Insurance to learn more about umbrella insurance.