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Portland Oregon Health Insurance
Frequently Asked Questions

Health Insurance Coverage

Q: Are your services free?
A: Absolutely! We will find the strongest Oregon health insurance coverage for the best price! We are a free insurance broker.

Q: Does this cost me anything?
A: No. There is no additional cost by using our services as compared to going directly to the Oregon health insurance carrier. In fact, you'll have the benefit of an agent who will act as your own advocate!

Catastrophic Health Insurance Oregon

Q: What does Catastrophic Coverage or Catastrophic Health insurance really mean?
A: A catastrophic coverage style medical insurance plan is simply called “major medical.”

Major Medical Health Insurance

Major Medical Health Insurance plans are typically high deductible health insurance plans which offer very affordable, low cost premiums. Folks will use these Oregon health insurance plans to cover them in the event of a major medical incident (injury accident or major illness). They will usually have very strong coverage with higher policy maximums. But, a way to keep these plans affordable, the Oregon catastrophic insurance provider will have higher deductibles ranging from $2,500 to $5,000. As a matter of fact, a couple risk & specialty insurers offer even higher deductibles like $10,000, $15,000, $20,000 and even a $25,000 deductible option.

On most “major medical” or catastrophic medical health coverage plans, once that deductible has been met, the Oregon insurance carrier will pay remaining expenses 100% all the way up to an $8 million lifetime maximum!

A major medical, catastrophic coverage health insurance plan is a very smart way to get a higher level of protection to prevent from losing your home, assets and income. You pay for the smaller day-to-day medical expenses like doctor visits, co-pays etc but should a major medical concern arise, you pay the deductible. Once the deductible has been met, the Oregon catastrophic insurance carrier takes over, much like having a re-insurer.

Q: How long does it take to have Oregon Health Insurance?
A: It depends. A typical health insurance policy can take as little as one day to 6 weeks, depending on how well the application was filled.

Q: Do I need to have a Physical?
A: In most cases NO.

Q: Am I “locked in” for a certain amount of time?
A: Absolutely not. There are no minimum contracts. Many people only need a Short Term Medical policy from 1 to 6 months while others want a solid relationship with a quality Health Oregon Insurance Program for many years.

Q: Can I keep my existing Doctors?
A: Yes. That is one of our top priorities in finding an Oregon health insurance plan for you. To locate a program for you to ensure your understanding & happiness with the choice!

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