Oregon Health Insurance

Health Insurance Overview

Oregon residents have many options for health care coverage. There are numerous Oregon insurance providers to choose from, along with a variety of Oregon medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Oregon health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Oregon medical insurance from the best Oregon insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Oregon health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Oregon health insurance programs, and even details on some of the top Oregon insurance providers.

To compare specific Oregon medical insurance plans offered by the various Oregon insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Oregon health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Oregon health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Oregon? Find your state here.

Oregon Health Insurance Facts & Statistics

Total Oregon Residents – 3,802,600

Total Health Insurance Coverage In Oregon:
Employer – 49%
Individual – 6%
Medicaid – 13%
Medicare – 14%
Other Public – NSD
Uninsured – 17%

Average Individual Monthly Premiums – $207

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 16%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $848

Average adjusted hospital cost per inpatient day – $2,596

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Oregon Medical Insurance Laws, Regulations & Policies

There are several Oregon health insurance laws and regulations that are put in place to protect policyholders living in the state. These state laws regulate the private health insurance market to protect residents and applicants of coverage.

Under Oregon state law, those who are HIPAA-eligible must be accepted into a plan. Oregon insurance providers are also prohibited from imposing waiting or exclusion periods under this federal law. Oregon residents who are not HIPAA-eligible and are turned down for a private plan may purchase coverage through the Oregon Medical Insurance Pool, which accepts all applicants regardless of health history.

Oregon health insurance law requires that all state health insurance companies provide coverage for certain medical services, including:

  • Mammograms
  • Screening for prostate, cervical, and colorectal cancer
  • Diabetes care
  • Medical care for pregnant women

Oregon Health Insurance Resources

Oregon Department of Human Services

A listing of local offices designed to meet the medical needs of local communities. Visit the website.

Oregon Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in Oregon with pre-existing medical conditions are able to get health insurance from the Pre-Existing Condition Insurance Plan (PCIP). This works similar to regular Oregon health insurance plans and requires enrollees to pay affordable premiums and out-of-pocket costs.

Enrollees in the Oregon PCIP pay around the same amount that people without pre-existing conditions pay for health insurance. The estimated monthly premiums for Oregon residents range from $221 to $714. There are two plans that have deductibles of $500 or $750 a year. The out-of-pocket limits are set at either $1,500 or $3,750 for medical services. Residents who are eligible get access to heath insurance coverage for doctor and hospital visits, prescription drugs, emergency services, and more.

Individuals may apply for the Oregon PCIP program if they are a United States’ citizen, have an existing medical condition, and have been without health insurance for six months. For more information on the Oregon health insurance high risk pools visit http://www.healthcare.gov

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Oregon Medical Insurance and Health Care Programs

The state of Oregon offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid (Oregon Health Plan)
    Oregon’s Medicaid program is called Oregon Health Plan and provides health coverage for disabled residents and those who cannot afford their own plans. Learn more about Oregon Health Plan online.
  • Oregon Children’s Health Insurance Program
    This program is designed to provide health insurance for children under the age of 19 whose families are unable to obtain or afford coverage. Find out more about the Oregon health insurance program for children here.
  • Family Health Insurance Assistance Program (FHIAP)
    The FHIAP helps families afford private health insurance by paying a portion of their plan premiums. Learn more about this program online.
  • HealthlyOregon
    This program offers assistance with paying for the cost of prescription drugs. Visit the website.
  • Oregon Breast and Cervical Cancer Program
    This program offers free mammograms and cervical cancer screening for low-income women in Oregon. To learn more about this women’s Oregon medical insurance program, visit online.
  • Oregon Medicare
    Seniors can find Oregon health insurance through Medicare Advantage, Medicare Supplement and Original Medicare.

Trade workers and early retirees in Oregon may also qualify for a federal tax credit called the Federal Health Coverage Tax Credit. This benefit pays for a portion of health plan premiums. Learn more about the tax credit here: http://www.irs.gov/individuals/article/0,,id=109960,00.html.

Oregon Insurance Providers

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

Health Net of Oregon Health Insurance

Since 1985, Health Net of Oregon has brought quality medical and supplemental dental, life, vision, and disability insurance to more than 6.8 million members.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

LifeWise Health Plan of Oregon Health Insurance

LifeWise provides health care coverage to more than 1.5 million members through Oregon, Washington, and Alaska with more than 9,000 hospitals, physicians, and health care providers.

ODS Health Plans Health Insurance

ODS has served the Pacific Northwest for more than 50 years. ODS offers affordable health plan coverage for individuals and groups. ODS founded the first prepaid dental plan in America and is quickly growing into a leader in medical insurance with more than 11,000 in-network providers.

PacificSource Health Plans Health Insurance

PacificSource is a non-profit health plan committed to delivering health insurance solutions to businesses and individuals located throughout the Northwest. PacificSource focuses on building community and personal relationships and provides more than 280,000 members with 34,000 participating health care practitioners and facilities in the region.

Providence Health Insurance

Providence Health Plan serves more than 326,000 residents of Oregon and southwest Washington, which includes members of both Medicare and Medicaid.

Regence Blue Cross and Blue Shield of Oregon Health Insurance

Regence has more than 2.5 million members and has been in existence for more than 90 years. Regence is a non-profit health care company that offers individual and group medical, dental, vision, and life insurance; Medicare and other government programs; and pharmacy benefit management.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

Important Contacts and Links

Oregon Insurance Division and Public Health Division

Find the contact information for the Oregon health insurance and public health divisions at:

Oregon Insurance Division
Mailing Address:
PO Box 14480
Salem, OR 97309-0405

Street Address:
350 Winter St NE Room 440
Salem, OR 97301-3883
Phone: (503) 947-7980
http://www.cbs.state.or.us/external/ins/index.html

Oregon Public Health Division
800 NE Oregon Street
Portland, OR 97232
Phone: (971) 673-1222
http://oregon.gov/DHS/