About Health Insurance in Oregon
Oregon residents have access to a vast number of excellent health care companies, and we are here to find the most effective one for your needs. East Coast Health Insurance connects you with the best health insurance available, through reputable names like PacificSource, Providence Health Plans, HealthNet, LifeWise, Oregon ODS, and Kaiser Permanente.
- Total Population: 3,802,600
- Total Uninsured Population: 637,900 (16%)
- Average Cost of Inpatient Hospital Visit Per Day: $2,818
- Average State Premium for Individual Health Insurance: $207
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in Oregon
East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak with one of our Oregon agents over the phone at 888-803-5917.
Oregon Health Insurance Market & Laws
Oregon does not have very many health insurance laws, though the ones in place are important to be aware of. They follow the guaranteed renewability provision, so any policy-holder who meets their premiums and has no violations is able to renew the same plan.
Pre-existing condition laws are somewhat in favor of the patient in Oregon, with a maximum exclusion period of six months. After six months, the insurer pays for the medical treatment of the illness. The state of Oregon considers a pre-existing condition an illness diagnosed or treated before enrolling in the policy.
Also, treatment of a pre-existing condition during the exclusion period can be paid for using credit from your previous coverage. When changing insurance companies, be sure to acknowledge your standing with the your previous insurance company. If you had no breaks in coverage and were able to meet payments, this should qualify as credit toward your pre-existing condition under the new plan.
Medical insurance companies in Oregon are required to continue your benefits if you become ill, as it is illegal for them to terminate your plan if you do.
Your health status does determine the amount you will pay for medical insurance in Oregon. Insurance companies have no limit in what they can charge, and they can choose the services they decide to cover and not to cover. They also have the ability to deny you coverage based on your health and age.
For Oregon residents, health insurance is required to cover the following medical expenses:
- Breast, cervical, colorectal and prostate cancer screenings
- Care for women during and after pregnancy
- Same coverage for physical and mental health care
- Care for diabetes-related illnesses
For more detailed information, please visit the Oregon Department of Consumer & Business Services – Insurance Division.
1.Kaiser Family Foundation, “Oregon – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “Oregon Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Oregon.html