What is Individual Health Insurance Coverage in Oregon?
We offer individual health insurance in Portland, Ashland, Medford, Grants Pass, Roseburg, Eugene, Albany, Corvallis, Salem, Bend, Klamath Falls, Newport, Lincoln City, Coos Bay, North Bend, Pendleton, John Day, The Dalles, Tillamook, Seaside, Ontario and just about another place you live in Oregon.
Individual health insurance Oregon is also referred to as individual health care, personal health insurance, personal medical insurance, private health insurance, comprehensive health coverage, major medical insurance, and family insurance. Family insurance is simply an individual policy with more than one insured member of the family included in the application and coverage.
Individual policies can also be used for small business purposes in cases where the business is a sole proprietor or the company does not otherwise meet Oregon's legal definition of a small business with two or more qualified employees. Individuals are still considered as covered for business expense purposes in their business.
Individual plans are available is several designs and deductibles allowing you to choose options to keep your plan affordable. While not low-cost, the number of choices allows you to select plans to keep your cost low as a trade-off for other benefits. Remember that premiums are driven by the cost of medical care in the geographic area in which you live. Generally if you purchase a policy that costs less in monthly premium, you will usually end up paying a greater share of the medical expenses when you are sick or hurt.
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How Do I Apply?
In most cases, applying for health care coverage requires filling out a health questions when applying for coverage. The insurance company uses this to determine whether to approve you for coverage. If you are not approved, you are referred to the Oregon Medical Insurance Pool (OMIP), the state's high-risk pool. Do not try to hide information about your health condition. Hiding information can result in the insurance company retroactively cancelling your coverage back to its effective date. This will leave you responsible for all of your expenses, less any premiums paid.
Oregon health insurance companies, by law, are required to provide coverage for preventative care, well baby checkups and immunizations. Deductibles start at $500 and go up to $10,000. Your premium is determined by your age (and age of spouse), number of children, and the deductible you choose. Some comprehensive major medical plans offer alternative and chiropractic coverage while others, with higher deductibles, are designed as catastrophic health insurance plans. You choose the health insurance coverage that works best for you and your family.
If you have not previously had coverage, the insurance company may impose a 9–month waiting period before your coverage starts for anything you were treated for, or should have sought treatment for, during the six months immediately prior to the start date of your new policy. If you had prior coverage, you will generally be given equivalent credit towards meeting this 9-month waiting period, provided you did not have a significant break in coverage between the two plans.