Need Oregon Health Insurance Quotes?

Purchasing health insurance in Oregon is an important matter and as such, it deserves significant thought and consideration. Several factors may affect your decision regarding the type and amount of health insurance that you choose to purchase. Regulations regarding health insurance vary from one state to the next. Be sure to consider the following facts, when considering the purchase of Oregon health insurance.

Statistics prove that access to good medical care saves lives. Getting an annual checkup enables your doctor to find disease processes before they become advanced. Rising health care costs have contributed to a large uninsured population. Unpaid health care bills are a burden to health care providers and taxpayers.

Oregon has many health insurance companies conducting business in the state. Some provide group health benefits to small, medium, and large businesses. Private insurance companies offer health care coverage to individuals, while Medicaid serves low-income residents.

Participating in a group health plan at work is your best value when purchasing health insurance. These plans typically have lower premiums and better coverage.

Oregon allows insurance companies to exclude preexisting conditions for a period of six months. During that time, your company will not pay for any bill associated with your excluded condition.

Insurance premiums are based on factors like age, occupation, and general health. Initially, Oregon allows your insurance company to use health as a determining factor in qualifying for a policy; however, premiums must rate you based on age. As you grow older, your premiums will increase proportionately. If you become ill, your insurance company cannot refuse to renew your policy.

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