Health Insurance

In recent years, the availability and affordability of health insurance has been the subject of much debate. But the hard truth is that about one out of seven Americans has no health insurance and for many who do have coverage, the cost of that coverage is an enormous financial strain. Oregon health insurance can no longer be considered a luxury; it is a necessity! As the cost of preventative care, emergency treatments, and prescription drugs continues to spiral out of control, people want and deserve a reliable source for Oregon health insurance quotes. They need look no further than insuranceUSA.com. Health insurance is simply a written policy which covers medical expenses, both routine and emergency. Today, many states are expanding their coverage to included both long-term care and disability.

In this information-filled article, you will find everything you need to know concerning the regulations of Oregon health insurance, both for individuals and small groups. You will learn the fundamental facts regarding COBRA coverage. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986 and is basically a plan which allows workers, who no longer have health insurance coverage due to the loss of employment, the right to maintain their group health insurance coverage for a limited amount of time and usually at their own expense.

You will also find interesting statistical information with which you can compare the health of fellow Oregonns with the health of residents of other states.

This article will provide you with all the information needed about Oregon health insurance to make a shrewd and intelligent decision when choosing the insurance coverage which is right for your individual situation and needs. Once you have selected your options, insuranceUSA.com stands ready to provide you with health insurance quotes so that you can make your final decision with confidence!

Oregon Individual and Family Health Insurance
In Oregon, individual or family health insurance policies are not guaranteed. Most Oregon health insurance policies are medically underwritten, which allows insurance companies to deny coverage to anyone based on their current or past medical history, including pre-existing conditions. When applying for health insurance, you will be asked to fill out a comprehensive questionnaire, covering everything from current and past medical status and family medical history (parents, siblings, etc) to life-style questions, such as smoking habits, alcohol consumption, etc. Oregon health insurance premiums will vary according to age, gender and the type of health insurance plan that has been applied for. If you do have a pre-existing medical condition, there are three different options which may be offered to you. One is that you may be denied any and all health insurance coverage, which is within the Oregon health insurance company’s rights. The second option is that you may be offered coverage, but with a rider attached. This rider simply states that the insurance company is not liable and will not cover any claims deemed to be related to the pre-existing condition. The third option is that you may qualify for full coverage, but you can expect that your premiums will be higher than those of a healthy individual.

Oregon Group Health Insurance
To qualify for Oregon health insurance, a company must have between 2 and 50 employees on staff. However, a company is not required to offer Oregon health insurance to all employees. For instance, those who only work part-time, or who do not live within the insurance service area may not be eligible for the group coverage. Under Oregon health insurance regulations, an employer may require a waiting period before employees are able to obtain group insurance. This waiting period is decided on by the employer, and not the insurance company. Pre-existing conditions may make an employee ineligible for total coverage under their plan. This usually applies to conditions that you were treated for within the past six months prior to the start date of coverage. However, there are types of Oregon health insurance that will cover pre-existing conditions that are not covered by the group insurance. Eligible employees who meet all the requirements are guaranteed insurance benefits regardless of their current health.

Oregon COBRA Insurance
COBRA insurance coverage, as outlined in Oregon health insurance rules, applies to companies that have 20 or more employees on staff. To make sure that Oregon health insurance is available to those who are between jobs, COBRA coverage can be applied for 18 months to those who meet eligibility requirements. There are certain exceptions to that time frame. Eligible dependents can be covered by COBRA for 36 months, and disabled people can keep coverage for 29 months. COBRA is an extension of your previous Oregon health insurance plan, and if your former employer decides to discontinue coverage for employees, your coverage will also end. Once COBRA benefits are ended, further Oregon health insurance can be obtained through the Oregon Comprehensive Health Insurance Association (ACHIA).

Oregon Health Information and Statistics
If you are in the market for quality Oregon health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Oregon ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Oregon are few poor mental health days, a low rate of preventable hospitalizations, and a low prevalence of smoking. Oregon also faces many challenges, such as a high rate of uninsured population, low immunization coverage, and moderate per capita public health funding.

According to a 2008 study, Oregon had some significant changes over the past year, including a decrease by 9% in the prevalence of smoking and an 8% decline in immunization coverage. Since 1990, the infant mortality rate decreased by 40% and the incidence of infectious disease decreased by an astounding 87%.

Following is a variety of statistical data related to living in Oregon, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Oregon health insurance.

  • Prevalence of Smoking-7th
  • Prevalence of Obesity-25th
  • Violent Crime-14th
  • Children in Poverty-24th
  • Air Pollution-15th
  • Cancer Deaths-24th
  • Lack of Health Insurance-38th
  • Prevalence of Binge Drinking-19th
  • Infant Mortality-14th
  • Infectious Disease-22nd
  • Premature Death-19th

Overall Rank: 16
Change: +4