Have you been recently declined? Did you know that the giant national Health Insurance E-sites have a decline rate of over 50% here in Oregon?
We do. Did you know that Oregon has a Mandatory Maternity benefit? The giant national E-sites sure don’t. Do you know which carriers will decline
coverage for you & your family because you may have taken an anti-depressant in the past? We do. We know which carriers cover this and much
Oregon is a very unique state. It is an Accept or Decline state. This means that carriers can simply deny coverage. We know that every carrier
has uniquely different underwriting guidelines. Some variables are height/weight, tobacco use, blood pressure history, use of counseling or
anti-depressants, etc etc
Health insurance rates are set by law. Nobody can offer "lower rates" or "online discounts" for health insurance in Oregon. The rates are
exactly the same if you go directly to all the carriers yourself or use our free service to help find the best plan to fit your specific
Why use SmartHealth? Simple. Because we know within minutes which plan might accept or decline you. We know what carriers accept
Anti-Depressants, cholesterol med use, therapy/counseling, etc etc
No two health insurance carriers are the same. They have huge
fluctuations in premium, coverage, max-out-of-pocket and decline rates.
We will simply find the best plan for your specific need/budget. There is no additional cost or fee associated what-so-ever with our service to