Health Insurance Carriers in Oregon (OR)
Health Insurance regulations are different from
one state to another, and the carriers that offer health insurance
in Oregon have different plans and options. We hope you will find
the resource below helpful and useful. First, review a recommended
list of carriers in Oregon and learn more about the coverage they
provide. Second, dig into Oregon Health Insurance regulations
at the lower portion of this page.
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Health Insurance Providers in Oregon
Assurant Health (Formerly Fortis)
Clarendon National
Health Net of Oregon
Kaiser Permanente Northwest
LifeWise Health Plan of Oregon
PacifiCare of Oregon
Regence BlueCross BlueShield of Oregon
Security Life
Group Health Insurance in Oregon
- Eligible applicants may not be charged more
for group coverage due to a medical condition.
- Employers may require new employees to indulge in a wait
period before offering coverage.
- HMOs may require an affiliation period.
- Life changes related to family or job loss may provide
for special opportunities for group insurance.
- Newborns and adopted children are covered for their first
31 days.
- Providers may review medical records for the six months
prior to coverage.
- A pre-existing condition may be excluded from coverage
for six months for a fully insured group. Late enrollment may
lengthen that time.
- If continuous coverage has been maintained without a break
longer than 63 days, creditable coverage may be applied to an
exclusion period.
Small Business Health Insurance in Oregon
- Small businesses with fewer than 50 employees
may not be denied small group health insurance or be cancelled
because of health problems within the employee group.
- Providers must offer a standardized plan.
- Businesses with fewer than 25 employees must determine
the cost of premiums according to modified community rating.
- With employee groups over 25, the premium may change due
to the health condition of the employees.
- Businesses with fewer than 50 employees may join an approved
statewide association or alliance to acquire group health insurance.
- Contact the Oregon Division of Insurance for regulations
governing associations offering group health insurance.
Oregon Dept. of Consumer and Business Services
Division of Insurance
350 Winter St. NE, Room 440
Salem, OR 97310
(503) 947-7980
www.cbs.state.or.us/external/ins/index.html
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Self-Employed Health Insurance in Oregon
The self-employed may not purchase group
coverage.
Individual Health Insurance in Oregon
- Providers may deny coverage based on health
problems.
- The Oregon Medical Insurance Pool may offer insurance
to those who cannot acquire it elsewhere.
- Providers may require a waiting period of 90 days.
- Providers may review the previous six months of medical
history before coverage for pre-existing conditions.
- Pregnancy may be classified as a pre-existing condition
but genetic information may not.
- If no breaks in coverage longer than 63 days have occurred,
creditable coverage may apply.
- The cost of individual plans are determined using modified
community rating.
- Based on sickness, coverage may not be cancelled.
Oregon Health Care Programs
Medicaid, Breast and Cervical Cancer Program,
Family Health Insurance Assistance Program, and Children’s
Health Insurance Program are available to low income residents.
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more information about health insurance >>
