Oregon Health Insurance

Whether you're just starting to look for medical coverage, or getting frustrated after many attempts to acquire quality health care in Oregon, Health-Insurance.org wants to help you find the right policy and the right carrier to protect your health. We have all the resources that you'll need — general knowledge about health insurance, information on various insurance companies in Ore., and the ability to help you get quotes.

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Individual Coverage in Oregon (OR)

You may know about the types of individual health insurance available to you, individual and group plans, but you may not be as knowledgeable about specific Oregon laws that govern the policies you want. Below are a few regulations that could apply to you:

• If you have a health problem, individual insurers have the ability to refuse to cover you.
• Individual carriers in Oregon are allowed to look into the past 6 months of your medical history to check for pre-existing conditions.
• Your pregnancy can be considered a preexisting condition. Your genetic information, however, cannot.
• Community ratings are used to determine the cost of individual insurance in Oregon.
• Should you become ill after your benefits have started, your coverage cannot be canceled.

Family Coverage in Oregon (OR)

Acquiring health coverage for your family is an important task. If you are covered under your employer's group plan, your family may be covered as well. If this is not the case, you can take out a group policy (i.e., join an HMO, PPO, POS, or HSA network) or an individual policy. Before you decide, take a look at the below details concerning medical plans in Oregon:

• If you qualify for group coverage, your family cannot be refused, nor can they be charged more because of a family member's medical condition.
• Your newborn or adopted child will have health coverage for his or her first month in Oregon under your dependent coverage, if you currently have it.
• The look-back period, the amount of medical history your insurance company can search for preexisting conditions, is 6 months.
• The exclusion period for preexisting conditions can be no longer than 6 months, unless you have enrolled late, which may extend that period.

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Pre-Existing Conditions and Oregon Health Insurance

If you have a preexisting condition, then you may be aware that private insurance companies in Oregon are allowed, by law, to refuse coverage to any individual. Shopping for coverage in Oregon is easier if you have had coverage in the past, but it is still a strong possibility without previous coverage. And several insurance companies are offering low-cost policies to try and counteract what the state has been able to offer.

If you have had at least six months of coverage under a group health plan in Oregon and then lost it, you are guaranteed the right to a portability policy for yourself and your family, as long as you apply with 63 days of losing your group policy. If the your prior coverage was in a self-insured group plan, your can get a portability policy through the Oregon Medical Insurance Pool (OMIP).

Under Oregon law, you must be offered the type of plan that is closest to your prior plan — either an indemnity plan or an HMO. You also must be offered at least two levels of coverage: a high cost option and a low cost option. The portability policies cannot impose exclusion periods or elimination riders for preexisting conditions. The portability policy premiums cannot be higher because of an applicant's health condition,.

If you have been turned down by an insurance company, you may be eligible for coverage from the OMIP or the Family Health Insurance Assistance Program (FHIAP). There are eligibility requirements for both program, and they are both from need-based, first-come, first-served organizations.

Finding New Health Plans in Oregon

Looking to change your medical plan? New to the state? Here are some things you should know about health insurance in Oregon:

• COBRA may help you retain the health plan that you held under the job you just left, provided you qualify for COBRA.
• Oregon employers are not mandated to provide health insurance to their employees. Furthermore, employers and HMOs can make you wait up to several months before starting your benefits.
• Some non-federal employers do not follow the same regulations concerning group coverage. Always check with your company to see what kind of benefits you will receive.
• If you have an individual policy and want to change plans, your ability to do so could be limited unless you are purchasing a portability policy.

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