Montgomery & Graham, Inc.
Employee Benefits Consulting and Health Insurance Expertise

M&G has been helping clients with employee benefits in Oregon and Washington since 1997, providing innovative insurance planning and cost saving business solutions. We focus on bringing you tomorrow's health insurance strategies today. We offer unmatched business rewards and value added services to our clients, such as MG Advisor, MG Assist, MG Wellbeing, and ClientCare.

Helping Employers Plan Benefit Packages in Oregon and Washington

From Salem to Portland Oregon, and Olympia to Vancouver Washington, we help our Pacific Northwest clients to care for their employees without neglecting the bottom line. Let us help you compare your options to find the best coverage at the right price to protect your greatest assets.

A Quote from us can save you thousands!

See how we measure up compared to your insurance broker. Contact us today for a free consultation, find out how you can save on employee benefits and group health insurance while still providing the kind of coverage you can feel safe and secure with. Let us help you master tomorrow!

Montgomery & Graham's innovative insurance strategies included:


We offer our business clients an employee wellbeing coaching programs at no cost. As a valued M&G customer, your organization receives a variety of health & wellness solutions and complete workforce health management system for your employees.

We want to continue to support you, as you support your team and offer live MG Clientcare support to answer any questions and help with claims. In addition, through MG Advisor, M&G clients now have unlimited access (via phone or email) to our team of HR professionals and employment law attorneys. This staff of professionals is well versed in employment laws and available “on-demand” to augment your existing resources.


Answers to the Most Frequently Asked Employee Benefit Questions

What is a Deductible? What is Coinsurance? What is Out-Of-Pocket Maximum? Confused about common health insurance benefits terms? These FAQs cover the basics to take the mystery out of coverage terms!

Benefit Counseling: The Key to Successful Enrollment

As an employer, you want employees to understand and appreciate the substantial value of their benefits. It is important that employees understand their benefits when they are enrolling to ensure they make the best choice for themselves, their family, their lifestyle and their budget.


Health Insurance Terminology: Managed Care

Managed care is a system of delivering health care with selected providers (doctors, hospitals, laboratories, etc.), ongoing quality control and utilization review programs, and financial incentives for members to use providers and procedures covered by the plan. It is a broad term that encompasses a variety of different types of organizations. Learn more about the definitions of managed care and several other terms related to this health care concept.


Health Care Consumerism — What You Need to Know

One of the most common consumer-driven health plans pairs a health reimbursement arrangement (HRA) with a high-deductible insurance plan. HRAs are employer sponsored health spending accounts that allow employees to accumulate funds for health-related expenses. Employers fund these accounts for their employees to pay for routine and preventive medical care, and the insurance portion provides coverage for traumatic or high-cost events. Typically, any unused funds in the account can be rolled over and used in the following year(s).



Montgomery & Graham - We Solve Problems

Let us help you find solutions to the challenges your business faces today and tomorrow. Whether your looking to protect your family, home, auto, or business, at Montgomery & Graham Inc we have got you covered. Our team has worked with businesses of all sizes, and individuals with unqiue curcumstances to provide Washington & Oregon health insurance they can trust.

Schedule a consultion to find out how you can take control of your health insurance cost and offer employee benefit packages that excel in company wellness and employee retention. Understand your options and know about the lastest insurance stratigies, and save money offering innovative healthcare and risk management solutions. We solve problems at M&G, contact us today!

Schedule a Consultation

Setup a free appointment to find out how you can start saving money using the latest insurance strategies today!







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M&G Benefits resources offer you the lastest in insurance and health care complaincy. Stay up to date on the need to know news regarding employee benefits.

Insurance Industry Briefs

M&G employee benefits resources offer you the lastest in insurance and health care complaincy. Stay up to date on the need to know news regarding employee benefits.

Health Care Reform: Workplace Wellness Program Incentives

This Brief provides an overview of the different types of workplace wellness programs and the Affordable Care Act’s rules on the incentives or rewards that can be offered under the programs.


Consumer Driven Health Care: Health Insurance Terminology

CDHC plans are becoming increasingly popular and truly put you, the consumer, in the driver’s seat. Feel more confident about controlling your health coverage with the most common CDHC terms defined.


Employee Medical Benefits: Self-Funded vs. Fully Insured

All group medical benefit plans fall into one of two categories: self-funded or fully insured. This article explains the differences between self-funded and fully insured employee medical benefits.


The Advantages of Self-funding

In today’s business climate, managers need benefits solutions as resourceful and cutting-edge as the organizations they run. Employers of all sizes are looking to mold their plans around the requirements of their businesses.


Understanding a Health Reimbursement Arrangement (HRA)

A Health Reimbursement Arrangement (HRA) is an employer-funded account that is designed to reimburse employees for qualified medical expenses that are paid for out-of-pocket. This article answers common questions about HRAs.


Insurance planning and news for Portland OR, Salem OR, Gresham OR, Beaverton OR, Tigard OR, Milwaukie OR, Lake Oswego OR, Oregon City OR, Wilsonvile OR, Newberg OR, McMinnville OR, Woodburn OR, Vancouver WA

Are You Considering an HDHP/HSA?

Enrolling in your employer’s company- sponsored, high-deductible heath plan (HDHP) means lower premiums and the ability to use pretax dollars to pay for out-of- pocket costs. HDHPs are growing in popularity, find out if this is the right plan for you.


Understanding a Health Savings Account (HSA)

What is a health savings account? Otherwise known as an HSA, a health savings account can be funded with your tax-exempt dollars, by your employer, by a family member or by anyone else on your behalf.


Frequently Asked Questions about HSA Plan Usage

How do I manage my HSA? What expenses are eligible for reimbursement from my HSA? Can the funds in an HSA be invested? Find out the answers to these health saving account questions and more about.


Workplace Wellness: Using Incentives in Wellness Programs

Incentives are about getting people to do things they would not generally do. This article explains why and how to incorporate incentives into your wellness program.


An Employer's Guide to Promoting Wellness at the Workplace

An article explaining the benefits of promoting wellness at the workplace, the best practices to follow when developing a wellness program and how to develop an operating plan for a wellness program.


Consumer-Driven Health Care: Creating Choices For You

The consumer-driven model is all about educating the patient. An educated patient can better understand health care and health costs and then make better decisions when faced with medical expenses.