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Oregon health insurance
The importance of having a suitable health insurance program cannot be overstressed. You need it as part of your financial planning for the future and also as a means of taking care of your health. If you are a resident of Oregon and are looking for a health insurance plan, we have all the information you need. Browse through our details on private health care plans and state sponsored ones. You will find all the information you need in order to go for a health plan that is just right for you.
Individual health insurance in Oregon
It is a fact that the past five years have witnessed the cost of health premiums rise five times more than the total earnings of a family. The premiums payable for a standard plan has also gone up by nearly 70%. Consequently, it is very important for you to go through the provisions of each plan before you hit upon one that is just right for you.
When you consider plans from private carriers, you need to consider aspects like deductibles, co insurance and co payments. Based on these factors, you can go for HMO, PPO or POS type of plans. You also need to consider what benefits are being offered by the company and the relevance of these to your lifestyle and age. So, it would be a good idea to gather all the information you can about a plan before you actually go for it.
In Oregon, modified community rating does not determine the premium you pay. Most of the health plans are guaranteed renewable. This basically means that your plan cannot be canceled by the insurance company simply because you are ill. However, your premium can be determined by your age group.
Group health insurance in Oregon
Group health insurance uses rates that are fixed by community rating. For instance, groups which have between 2 and 25 members have rates that are determined by number of family members, age and employer location. For larger groups, the age factor is not considered. Medical underwriting is allowed in the state of Oregon. The carrier may look back 6 months into your health status reports and impose an exclusionary period of 12 months if you have a pre existing condition or a lack of a health coverage.
Oregon coverage under COBRA
Under the specifications of the Consolidated Omnibus Budget Reconciliation Act (COBRA), employers having more than 20 employees are required by law to continue health covers for an employee who has left his employment for some reason. Covers are also provided to members of the employee’s family. In Oregon, coverage is provided to people under this provision.
Oregon Medicaid coverage
Medicaid is a program that is sponsored by the federal and the state governments. Under this program, state assistance is provided to certain categories who meet particular income criteria. People who are included in this category include pregnant women with low incomes, children and some people under Medicare. They also include nursing home residents and disabled individuals.
Other health insurance options in Oregon
The SCHIP program is offered to children who belong to low income families and are below the age of 19. They must be residents of Oregon and legal citizens of the US in order to be eligible for the program.
Another program offered by Oregon is the Family Health Insurance Assistance Program (FHIAP). This program lets people pay premiums for private health plans that they would not have been able to afford. The program pays for 50% to 95% of the premiums for uninsured individuals who meet certain income eligibilities. The subsidies provided by FHIAP are used by members to pay for individual health insurance plans when they are unable to secure a group health insurance plan for themselves.
Easy Quotes from the Top Oregon Health Insurance Carriers
Our service is the fastest and easiest way in which you can secure the most suitable Oregon health insurance quote. Get quotes on health insurance from best health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Oregon Health Insurance
The only thing you have to do is to fill in a simple form with your information. This will be kept confidential and will be used only to provide you with medical insurance quotes. Once you complete this form, you will receive instantaneous quotes from the top carriers. You can even buy the plans online. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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