Oregon Health Insurance

Oregon Health Insurance: Get The Coverage You Need At A Price You Can Afford

Do you have the coverage you need if the unthinkable happens?  Let’s say that you begin the day with a sore throat.  It persists throughout the afternoon.  By the time you get home from work you are having difficult time breathing, your chest is tight and you begin with a fever.  It’s too late to go to a doctor’s office so your only choice is the emergency room.  Do you hesitating because you don’t have any health insurance coverage?  Do you rationalize that you will feel better in the morning because you don’t have health insurance coverage?  Don’t let this scenario play out.  You need health insurance coverage for you and your family.  One of the reasons people go without health care coverage is that they believe that it is too expensive or they don’t understand everything that is involved in making an educated decision about coverage.  With the help of an Oregon health insurance provider you can design a policy that is right for you and your family that will fit into your budget.  Let’s take a look at a few items of interest that will help you when you make the decision to purchase health care coverage.

When you first contact your health insurance provider you will be required to fill out an application.  During this process you will be given a health status screening to determine if you or your family members have any pre-existing conditions.  If you have been uninsured for longer than 63 days when your new policy goes into effect your Oregon health insurance provider may impose a 6-month pre-existing condition exclusion period.  Or you may have a 90-day waiting period before your entire coverage becomes effective.  If you have a policy that has imposed a waiting period a pre-existing exclusion clause cannot apply.  Health insurance providers in Oregon are required to cover certain benefits, such as mammograms.  At any time you become sick will while insured your health insurance provider cannot cancel you policy.

Once again, don’t let the scenario from above happen to you.  Be familiar with the options that are available to you and your family.  Get the coverage you need from an Oregon health insurance provider that will walk you through the steps to get you the best coverage available at a premium that will fit into your budget.  Get the peace of mind you deserve today.