How To Choose From the Best Individual and Group Health Care Plans in Oregon

Meeting with insurance agent

With health care and medical costs escalating, it’s best for an Oregon resident to get health insurance. You can either go with a public or private health insurance policy depending on your income. If you can afford to pay for private health insurance, you can either choose one provided by a health maintenance organization (HMO), preferred provider organization (PPO), or a health insurance company. In making a selection, consider whether you want health insurance, health care plans, or just medical plans for you, your family, or your small business.

Finding the best medical plans is very subjective because it depends on many factors, including age, state of health, medical history, etc. With all the different factors to consider, choosing health care plans can become daunting for anyone. Here we give an overview of individual or group health care plans offered in Oregon.

Individual Health Care plans - This type of plan covers the medical expenses of only one person or family, depending on the product offered. Unlike a group health care plan, you will have to personally apply for one and comply with the requirements of the company. The cost of your plan will largely depend on your current state of health and medical history.

Reliable and trusted insurance companies that offer different individual and family health insurance products in Oregon are the following:

  • Regence BlueCross Blue Shield of Oregon
  • Pacific Source Health Plans
  • Lifewise Health Plan of Oregon
  • HealthNet
  • Providence Health Plans
  • Kaiser Permanente
  • ODS and Assurant Health

Out of these companies, Pacific Source and ODS will offer you alternative medical care plans if you do not qualify for the one you want, or if a different health insurance company turned you down for the same plan. A word of caution: pay attention to the fine print of the health insurance policy you are buying or the application form you are filling out. ODS, for example, will automatically add and charge you for an optional dental plan. Unless you want it, make sure to mark it in the application form that you do not want it. It will save you hundreds of dollars.

Group Health Care Plan - Oregon law does not require small business owners to provide health benefits to their employees. However, there’s no law stopping them from doing so and providing one might prove to be a wise business decision in the long run in terms of employee loyalty. Here’s a short list of health insurance companies that provide health insurance coverage for groups and small businesses in Oregon:

  • Regence BlueCross Blue Shield of Oregon
  • Pacific Source Health Plans
  • Lifewise Health Plan of Oregon
  • HealthNet
  • Kaiser Permanente
  • ODS and Assurant Health

It may be interesting to note that Humana health insurance plans, whether for individuals are small businesses, are not offered in Oregon as of this writing. Humana is one of the largest health benefits companies in the U.S. and it has more than 11 million medical members. It offers affordable medical plans which, hopefully, will be offered in Oregon soon.

 

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