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Your Tribal Insurance Professionals in Eugene and Springfield, OR

Tribal Insurance and Risk Management

Preparing for our ideal future includes providing support, risk management, insurance, safety and environmental services for tribes. Honoring the philosophy to preserve, protect, and enhance human, cultural, environmental, and financial resources is at the core of our mission. As an independent agency, WHA Insurance maintains strong relationships with carriers such as Tribal First, TribalCARE, OnPoint, Travelers, Affiliated FM, AIG, and more. By working with these organizations and with tribes themselves, we have a unique understanding of the marketplace that specializes in providing coverage for tribal governments, casinos, and other tribal enterprises.


In many ways at WHA Insurance, we feel connected and rooted in Native American cultural tradition. By working with tribes, we are reminded to take a wide view of the world around us, including that past and what is still to come. We honor those who have come before us, knowing that their work informs our own, and striving to learn from our collective past. This, in turn, requires us to be mindful of the legacy we are creating; how our decisions will impact future generations.


In order to provide comprehensive solutions, we work closely with tribal organizations, whether they are fully-insured or self-insured, to understand their unique needs and benefits requirements. Our Tribal Health Benefits services allow tribes to get the most out of their health plan by first assessing the needs of the tribe and customizing the plan with a variety of services designed to fit each tribal entity’s unique needs. Services we offer for tribal entities include Health Benefit Services, Benefit Administration, Plan Design, Network Solutions, Care Management, Disease Management, Pharmacy Administration, Risk Management, and Reporting & Data Analysis just to name a few. We have elaborated with three examples below:

Benefit Administration

After evaluating each tribal entity’s individual needs, we match them with the right Benefits Administrator. From a fully-insured carrier to a Third Party Administrator (TPA), we work to find an effective solution for each entity. Key Components of this service could include:

  • Serving tribal organizations and enterprises by following tribe-related regulations
  • Performing Medicare Like Rate (MLR) claim repricing, and delivering those savings back to the tribe
  • Identifying and processing claims from both tribal and non-tribal employees
  • Coordinating with Tribal Sovereignty, IHS, 638 Facilities, and others to maximize funding
  • Coordinating a 340B Pharmacy Discount: Available to all tribal and non-tribal employees and their dependents, this discount allows tribes to significantly reduce their prescription drug coverage costs for both government and enterprise medical programs (compliance with statutes is mandatory for eligibility)

Network Solutions

Local and national provider networks provide discounts when members utilize one of the Preferred Providers. Discounts of up to 30% or 40% could be available, based on the network utilized and location. We have many options available to ensure that members have an array of providers in their community to choose from.

Care Management

Care management could consist of the following: the evaluation of a medical condition, developing and implementing a plan of care, coordinating medical resources, communicating health care needs to the individual, monitoring an individual’s progress, and promoting cost-effective care. With large claims, care management can help control and reduce claims costs and improve the medical outcome for the individual.


WHA Insurance is an appointed agent of TribalCARE, powered by HealthSmart, as well as all major carriers and most TPAs in Oregon. Tribal nations have unique and specialized risk management and insurance needs; our team helps connect ribes with specialists that recognize and respect the importance of Tribal Sovereignty and self-governance.


As an organization, we are committed to serving those areas where we have deep knowledge and resources. Our unique focus, coupled with our analytical capabilities, allows us to deliver you the specialized insurance solutions you require. Our goal is to help you reduce your total cost of risk, while keeping your people, property and patrons protected with personalized insurance and risk management programs. We have a profound respect for the tribes we work with, and a deep understanding of the unique insurance needs of tribal nations.


Our Locations

WHA Insurance Agency Inc. - Eugene Office

2930 Chad Drive
Eugene, OR 97408
Main office: 541-403-5155
Toll free: 800-852-6140
Fax: 541-484-5434

WHA Insurance Agency Inc.- Wilsonville Office

29100 SW Town Center Loop W., Suite 160
Wilsonville, OR 97070
Main office: 503-223-3638
Toll free: 800-852-6140

Our Providers


I commend you on your choice of insurance companies, they did everything one would hope a company would do in a claim “ I could do a commercial on them they were so wonderful.

Mark Schoepke of Tree of Life, Inc. on claims service from Unigard
“I want to thank you for your great support and service. You have made a somewhat confusing and frustrating experience for the customer a very non-conflicting experience. If given the chance I will heartily recommend you and your company in the future.”

B & B Heavy Equipment called to tell me what an amazing job Raelynn had done for them. They were very impressed with her follow up and wanted to be sure we knew what an outstanding employee we had.

“I just wanted to say thank you for taking the time to come up to Clackamas and present not only the two classes for customer service but also the Safety Program you presented in Basics. You are a fantastic speaker with a ton of knowledge and I’m glad you were able to share some of that with us last week”

Bill Richmond, Water Quality Analyst, Tualatin Valley Water District