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LowOregonRates.com makes finding affordable health and medical insurance easy. Simply enter your zipcode in the form below and click the go button to get your free quotes. We make it simple to obtain multiple quotes from top Oregon health insurance companies.

Health insurance can help protect you and your family from large out-of-pocket medical expenses that accumulate during an illness or hospital stay. Unfortunately, health insurance is expensive and getting more costly every year. Many employers provide some basic medical insurance under a group policy availabe to company employees. Unfortunately, many companies are cutting costs and passing more of the burden of health care coverage on to employees. If you are unemployed, self-employed or if your employer does not provide medical coverage you can usually purchase it independently through an insurance agent or broker. Health insurance helps pay for out-of-pocket expenses for diagnosis and treatment of covered medical conditions. It is important to choose a plan that best fits your budget, age, family needs and lifestyle.

There are generally two categories of medical insurance known commonly as indemnity or managed-care plans (HMO or PPO). The most significant differences between the two are evident in how you choose your provider, how out of pocket costs are handled and how your bills get paid. For example, under an indemnity policies you usually can choose any doctor or hospital that you wish when seeking services. Under a managed-care plan, you typically select a primary care physician who treats and directs all health care for you or you are given a list of preferred providers from which you can chose. Under indemnity plans, you often to pay upfront and are reimbursed after a deductible is applied. Under a managed care plan, providers agree to perform services for patients at pre-negotiated rates and usually the provider handles the claims processing for you.

Employer provided healthcare is generally the least expensive coverage you can get. If you have this option, you should enroll in such a program. The second best option, particularly if you have a pre-existing condition, is often an employer provided Consolidated Omnibus Budget Reconciliation Act (COBRA) plan. If you are not eligible for COBRA or your COBRA option has expired, your old coverage did not expire due to non-payment and you have had 18 months of continuous group health coverage under an employer group health plan, then you are generally considered “Federally Eligible” for a Health Insurance Portability and Accountability Act (HIPAA) plan. If you are not Federally Eligible than you can still get coverage, but insurers may impose a waiting period for coverage and coverage of pre-existing conditions.

Under the Oregon Health Plan, the state provides health care to its eligible members at little or no cost. The level of coverage you receive is based on your income, age, and physical or mental condition. OHP Plus program is a full benefit package provided to children and adults who are eligible for traditional Medicaid programs or for the Children's Health Insurance Program (CHIP). The OHP Plus benefit package has no premiums, but does have small copayments for some outpatient services and prescription drugs. OHP Standard program is a more limited benefit package provided under a specific medical program. The program covers only a limited number of uninsured adults who are not eligible for traditional Medicaid programs. Most people who are in the OHP Standard program pay monthly premiums, but there are no copayments. Oregon also has a state sponsored Family Health Insurance Assistance Program (FHIAP) that pays between 50% and 95% of monthly health insurance premiums depending on family size and income. Unfortunately, due to state funding limitations the FHIAP program has a wait list for acceptance with a two year backlog to enter the program. Lastly, the state provides a program called the Oregon Medical Insurance Pool (OMIP) for resident adults and children who are unable to obtain medical insurance because of health conditions. The OMIP also provides a way to continue insurance coverage for those who exhaust COBRA benefits and have no other healthcare options. Be sure to talk with your agent about eligibility requirements and coverage of each of these state-sponsored programs.

Our customers come from Portland, Eugene, Salem, Gresham, Beaverton, Hillsboro, Medfor, Springfield, Bend, Corvallis, OR and other great cities in The Beaver State to find low cost health insurance from top rated insurance companies. Oregon health insurance premiums vary significantly amongst carriers and plans. To help lower your premiums, compare multiple quotes at least annually. We make that process simple.