Business Details
30 Years
experience
Your Trusted Health Insurance Partner in Seattle
At Financial Designs, we have dedicated ourselves to simplifying health insurance solutions for individuals, families, and small businesses across Washington State since 1996. With over 25 years of industry expertise, our team of certified professionals prioritizes personalized service, offering free and unbiased guidance to help clients navigate complex insurance options. We specialize in matching clients with tailored healthcare plans from top carriers, ensuring financial protection and compliance with evolving regulations.Our storefront presence in West Seattle, combined with virtual accessibility, allows us to serve clients year-round, with a particular focus on Open Enrollment periods. We maintain deep relationships with major insurance providers and leverage our comprehensive understanding of state-specific programs like Washington Healthplanfinder to deliver actionable insights. Our commitment to transparency, client education, and long-term satisfaction has earned us recognition as trusted advisors in the community.
Services
Health Insurance
Dental Insurance
Vision Insurance
Disability Insurance
Medicare Plans
Long-Term Care Insurance
Small Business Insurance
Open Enrollment Assistance
Medicare Supplement Plans
Details
- Year established: 1996
Highlights and features
- We offer 25+ years of specialized health insurance expertise in Washington State
- Our services are free, unbiased, and customized to individual needs
- We represent all major carriers including Medicare and Washington Healthplanfinder
- We provide in-person consultations at our West Seattle storefront office
- Our team includes certified professionals with deep regulatory compliance knowledge
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals and families through top Washington carriers. Our experts help clients compare plans based on premiums, deductibles, and network coverage. With free consultations, we ensure clients understand their options and select plans that match their medical needs and financial situation while maintaining compliance with state regulations.
Small Business Insurance
Our team specializes in creating cost-effective benefits packages for small businesses. We help employers navigate compliance requirements while selecting competitive health, dental, and vision plans. We offer annual reviews to ensure coverage evolves with business needs and provide year-round enrollment assistance for changing workforces while maintaining focus on long-term stability and employee satisfaction.
Medicare Plans
We offer expert guidance for Medicare-eligible individuals seeking supplemental coverage. Our certified specialists explain Medicare Advantage, Supplement, and Part D Rx options. We help clients understand coverage gaps and select plans that balance premium costs with out-of-pocket expenses while ensuring access to preferred providers and medications through comprehensive network analysis.
Washington Healthplanfinder
As an official storefront for Washington Healthplanfinder, we assist residents with side-by-side comparisons of qualified health plans. Our team helps clients determine eligibility for tax credits and financial assistance while guiding them through the enrollment process. We ensure proper documentation submission and explain plan details including premium costs, deductibles, and covered benefits.
Disability Insurance
We help working individuals protect their financial future through customized disability insurance solutions. Our advisors explain policy features including benefit periods, elimination periods, and coverage limits. We help clients evaluate their occupational risks and income protection needs while selecting policies that maintain lifestyle stability during unexpected work interruptions due to illness or injury.
People
Carol McClure
Registered Health Underwriter
With 14 years at Prudential and founder of Financial Designs since 1996, Carol specializes in employer compliance and Medicare solutions. She holds RHU and ChHc certifications and focuses on long-term business healthcare strategies while maintaining active involvement in community non-profits.
Karol Munsinger
Healthcare Insurance Advisor
A former Washington State Hotel & Lodging Association professional, Karol has specialized in individual health insurance since 2000. She helps clients navigate life changes like relocation or job transitions while focusing on accessible coverage solutions for previously uninsured individuals through Washington Healthplanfinder.
Chelsea Mittelstaedt
Health Insurance Consultant
Combining her background as a certified yoga instructor with insurance expertise, Chelsea provides holistic Medicare and health insurance guidance. She focuses on making complex insurance decisions accessible while maintaining a client-centered approach that considers overall wellness and financial protection needs.
Questions
Do you charge for insurance counseling services?
No, our professional insurance counseling services are completely free. We receive compensation from insurance providers, not clients.
How do you determine the best health plan for me?
We analyze your age, health history, income, occupation, and coverage needs to compare premium costs, deductibles, and network providers across available plans.
Can you help with Washington Healthplanfinder enrollment?
Yes, we're official storefront representatives who help clients navigate Healthplanfinder, determine financial assistance eligibility, and complete enrollment.
What business insurance services do you offer?
We help small businesses select compliant health benefits packages, manage employee enrollment, and conduct annual reviews to maintain competitive yet affordable coverage.
Do you offer Medicare-specific guidance?
Yes, we specialize in Medicare Advantage, Supplement, and Part D Rx plans, helping seniors understand coverage options and network limitations.
What makes Financial Designs different from general insurance agencies?
We focus exclusively on health insurance expertise rather than offering multiple insurance types, ensuring deeper specialization in evolving healthcare regulations and plan options.
