First Choice Health Insurance
             Solutions for Your Health Insurance Needs
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Click here for all Oregon plans
Oregon
Click here for all Washington plans
Washington
Click here for all Idaho plans
Idaho
Click here for all Arizona plans
Arizona

First Choice Health Insurance, Inc.
Health Insurance at Your Fingertips! – Just a Mouse Click Away!

Click here for all Nevada plans
Nevada
Click here for all Utah plans
Utah
Click here for all Colorado plans
Colorado
Click here for all New Mexico plans
New Mexico
Coming Soon!

Or Choose
Your State


Are You Paying Too Much for Health Insurance?
Do You Have the Best Coverage for Your Circumstances?

We provide you with all the online tools and information to help you find out. We have the best selection of insurance companies and plans we can find. And if you need more help, we stand ready to help you. Just call 1–888–957–5001 for toll–free assistance or e–mail us or fill out the Request Form.

JohnAnn.jpg
John and Ann Gridley
Helping people meet
their health insurance needs
since February 1, 1991

Do You Need Help Finding Health Insurance Because
You Lost Your Job or Your Insurance or Both?

If you lost or are losing your job, and along with it your employer provided health insurance, we will do our best to help you find coverage you can afford. We give terminations, layoffs and plant closings top priority since you may only have 63 days to act without unwanted consequences. Don’t put it off.
Just call 1–888–957–5001 for toll–free assistance or e–mail us or fill out the Request Form.
We can’t solve every problem, but we will do our best for you.

Why Oregon, Washington, Idaho, and Arizona health insurance? Oregon is the home of First Choice Health Insurance. Oregon became our foundation. Washington was a natural addition as Ann was born in Seattle and lived in Bellevue most of her life. We visit Ann’s mom and sister in Washington State on a regular basis.

We followed LifeWise to the Arizona health insurance market. Arizona is also a preferred wintering spot for many of our clients. Two of John's daughters, Lauri and Alysia, live near Phoenix in Mesa and Glendale. I haven't been able to talk them into selling medical insurance in Arizona for me yet. LifeWise left AZ and we stayed on

We followed PacificSource and Advantage Dental to Idaho. Kelly Inman, a former Idaho agent and Advantage Dental representative, had been urging us to do this for a year. We finally said, "Why not? Idaho is a fun place. We like it!" We enjoy selling health insurance in Idaho.

And the story continues ……..

We are in the process of adding four more states to offer health insurance in, Nevada, Utah, New Mexico and Colorado. We have another daughter in Belen, New Mexico south of Albuquerque. Donna and her husband Thomas have a mobile windshield repair business with a cool name WindshieldRock.com.

We have friends, Tom and Julia in Las Vegas Nevada who have a cabin in the mountains of Utah so we visit both of those states frequently and Colorado is one of our favorite places to visit and vacation.

  First Choice Health Insurance
New Roseburg, Oregon Headquarters
First Choice Health Insurance
New Fountain

How this site came to be...

Why are we doing so well?...

New Office Location...

Whatever your health insurance needs are in, you will find a great selection of choices in each state. Choose the plan that meets your specific coverage needs at a price you can afford! Our goal is to give you one of the widest selections of choices available on a single website. You should find this site a convenient, one–stop shopping experience.

Individual plans we offer include traditional indemnity, PPO (Preferred Provider Organization) and HMO (Health Maintenance Organization) plans. Health Savings Accounts or HSA plans are available in several deductibles and personal plan designs as well. These allow trade–off between freedom–of–choice and completeness of health care coverage.

You can also request quotes for your small business or group health employee benefits. Healthcare benefits that are available depend on the health plans offered in the County where your business is located. Simply download the Quote Request and Employee Census forms and enter your company and employee data. Then fax the request to us for review.

Select temporary health coverage to meet short–term needs. Online quotes and applications from available companies are available to give you as many options as possible. Coverage can start as early as tomorrow.

You will also find information available on State assistance programs.

Oregon Health Insurance
You will find plenty of choices for individual health insurance, senior Medicare plans, both small and large employer group plans, individual and group dental, and short term medical plans. Oregon has a high risk pool, the Oregon Medical Insurance Pool (OMIP), if you don’t qualify for health insurance medically. State continuation provides for extending coverage for up to six months for small groups under 20 employees.

Washington Health Insurance
Washington State has fewer choices than Oregon in all categories with only one choice for short term medical coverage. We have provided all of the available choices that we know of to give you a complete shopping experience. Generally approval for individual coverage is easier in Washington, but they also has a high-risk pool, Washington State Health Insurance Pool (WSHIP), just in case you need it.

Arizona Health Insurance
Arizona has the most choices of all for individual health insurance, but does not currently have a high risk pool to fall back on in case you are not approved. Rates vary by health status on groups. We also offer a limited benefit plan as an option here.

Idaho Health Insurance
Idaho has very few companies to choose from right more but should increase soon. You have to apply to a company to find out rates they will offer you on all their plans. You then have the option of accepting a plan or not. Idaho has High Risk Pool (HRP) plans available if needed.

Nevada Health Insurance
Nevada individual health insurance is available subject to how healthy you are when you apply. You can be turned down for insurance, offered insurance with pre–existing condition limitations that can vary in how long they are imposed, offered insurance with a limitation rider excluding specific coverage, or offered insurance whose rate varies with how healthy you are. There is no high risk pool in Nevada to fall back on if you do get turned down. You can purchase a limited benefit plan regardless of your health condition if necessary.

Utah Health Insurance
Utah health insurance is undergoing exciting changes with the passage of new laws aimed at expanding health insurance coverage and making it more affordable. Employees of small businesses will now have an option to choose between the employer provided group coverage or using a set amount of money (called defined contribution) and purchasing individual coverage on their own. Limited benefit plans can now be offered including the Utah NetCare Plan, a low–cost option to COBRA, continuation and conversion policies. HIPUtah, Utah Health Re-Insurance Pool helps subsidizes the program and serves as the insurance of last resort for individuals who don’t qualify for health insurance.

Colorado Health Insurance
Colorado has a large selection of health insurance companies to choose from. Colorado also requires insurance companies to provide a standard description form describing benefits, deductibles, emergency, inpatient and out-patient care, out–of–pocket annual and lifetime expense maximums and other benefit information. This is available upon request and can make comparing health plans easier. Health insurance companies are allowed to reject applicants based on preexisting medical conditions. Cover Colorado is the State’s high risk pool to use if you are rejected for coverage, offered a policy with a premium that is higher than the pool premium, or offered a policy with a pre–existing condition exclusion.

New Mexico Health Insurance
In New Mexico you also have to qualify for individual health insurance based on your health at the time of application. You may qualify for insurance, possibly with pre–existing condition limitations or exclusion riders, or be turned down. If you have been refused individual coverage, the New Mexico Medical Insurance Pool (NMMIP) is in place to provide coverage for New Mexico residents. The New Mexico Health Insurance Alliance can provide coverage for qualifying self-employed individuals, HIPAA eligible individuals, and small businesses.

Sometimes in the insurance industry the terminology used may be confusing.
These two links are here for your assistance in insurance terminology.

What is an insurance producer
   Glossary of Insurance Terms


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