What we do for our clients

Health InsuranceEmployer-Sponsored Health Insurance: Carney-Cargill contracts with all health insurance carriers in Washington for you and your employees, including several insurance trusts that allow us to offer more competitive premiums. We provide unique side by side comparisons and analyses of our employers’ plan choices, as well as our very considerable knowledge about how each option will fit each employer’s needs. And our firm continues to provide our clients with administrative support throughout the year after your coverage is in place.

Individual Health Insurance: Carney-Cargill offers a wide variety of health insurance products for you and your family, contracting with all insurance carriers in Washington, including Regence BlueShield, Premera Blue Cross, Group Health Cooperative, as well as other companies. Our brokers offer a comprehensive analysis of your options, expert knowledge regarding which carrier’s product will meet your specific needs and customer service that continues on beyond your original purchase.

Medicare Insurance: MedicareOur brokers are distinguished by their in-depth understanding of Medicare coverage for those aged 65 or older and others eligible due to disability. All of Carney-Cargill’s brokers are certified with all major plans in Washington. In addition, Mackie Cargill is one of only 12 members on the Medicare Advisory Board for one of Washington State’s major Medicare carriers. Her knowledge of Medicare, Medicare Supplements, Part D Plans and Medicare Advantage is second to none.

Long-term Care Insurance: 75 out of every 100 of those reaching 65 are at risk of needing care not covered by Medicare or health insurance – at costs currently $12,000 or more per month. Planning for how to protect our families from bearing the stress and costs of such care is imperative. Both Principals of our firm, Johnathan Carney and Mackie Cargill, hold Certified Long-term Care Planning Specialist certifications. With our 25+ years of experience and knowledge, we are well-equipped to help you create and finance a plan before it is too late.

Disability insuranceDisability Insurance: An essential part of your financial planning must be how to protect yourself and your family against the loss of your most valuable asset - your ability to earn an income. We are experts in individual income-replacement, business overhead expense, and buy-sell disability insurance, as well as employer-sponsored short- and long-term disability coverage for employees.

Life Insurance: For over 600 years, people have been protecting their families against the end of their lives before their financial safety is achieved. Whether short term protection in the form of Term Life insurance or benefits guaranteed to last until the end of life in the form of Universal and Whole Life insurance, our brokers are exceptionally experienced in designing plans to fit your unique requirements - whether personal or for your business.

For more information about our services, please call Carney-Cargill at (206) 842-8987.