Oregon Health Insurance Plan Options:

Below you will find the pros and cons of the basic types of health coverage. 

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Fill out our short QuickQuote form to get us started on finding the health insurance plan for you.

Advantages (and disadvantages):

Traditional Indemnity plan with High deductible:

Features: If you need little besides the yearly check-up, these plans can prove easy and cost effective. You have an unrestricted choice of doctors, and a wide range of services are covered.

Downside: You are footing the bill until you meet your deductible.

HMO:

Features: HMO's are simple and fairly economical, requiring only a low co-payment with each visit. Busy familys will appreciate the ease.

Downside: Doctors must be in the HMO network; for a specialist you'll need a referral from your primary doctor.

Preferred Provider Organization:

Features: Have very large networks offering both primary and specialty care - you may never need to go out of network. There usually aren't strict service areas, which is helpful when you're traveling.

Downside: If you are not in the network of PPO providers, there will be a penalty of normally 20%.

Health Savings Accounts.

Features: These combine the Indemnity plans or PPO plans with a flexible spending account for health-care expenses. Not available for large companies. Excellent for nontraditional services (e.g. acupuncture). You are eligable to open an HSA account. See HSA

Downside: You are footing the bill until you meet your deductible.

Go to our Oregon Health Insurance site for company and plan details, rates and downloadable applications