Paul Sanchez
The health insurance industry in Oregon offers a diverse range of options, from individual health plans to large employer programs. Some well-known companies in the state include Kaiser Permanente, PacificSource Health Plans, and Moda Health. The cost of health insurance in Oregon varies, with an average monthly cost of $610 or a discounted rate of $164 for those who qualify. Oregon also has programs like the Oregon Health Plan and the Basic Health Program for individuals and families with lower incomes.
| Characteristics | Values |
|---|---|
| Average monthly cost of health insurance | $610 or $164 after discounts |
| Companies | Kaiser Permanente, PacificSource Health Plans, BridgeSpan Health Company, Blue Cross Blue Shield Health Insurance, Regence, Moda Health, LifeWise Health Plan of Oregon, HealthCompare.com, ATRIO Health Plans, Fall River Health Insurance Solutions, Hagan Hamilton Insurance Solutions, Connected Home Health and Hospice, samhealthplans.org, Providence Health Plan |
| Types of plans | PPO, EPO, Bronze, Silver, Gold, Platinum, Catastrophic, "Expanded bronze", Oregon Health Plan, Basic Health Program, Short-term, Obamacare |
| Factors influencing cost | Age, income, plan tier, company |
| Qualifying factors | Income (Oregon Health Plan: $21,000 per year or less for a single person, $44,000 for a family of four), family size, health history |
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What You'll Learn
- Kaiser Permanente: Oregon's most popular health insurance company
- PacificSource Health Plans: Oregon's only company selling PPO plans
- BridgeSpan Health Company: Low-cost plans with high consumer satisfaction
- Blue Cross Blue Shield Health Insurance: Access to a wide provider network
- Moda Health: Group and individual medical insurance plans
Kaiser Permanente: Oregon's most popular health insurance company
Kaiser Permanente is Oregon's most popular health insurance company. It offers the best health insurance in Oregon for young adults, according to MoneyGeek, with a MoneyGeek score of 73 out of 100. It offers plan options with affordable rates, has MOOP costs that are lower than most, and maintains better-than-average rates of claim approvals. The company has a denial rate of 8%, which is lower than most of the competition. Kaiser Permanente provides EPO plans, which commonly offer a network of providers you must use to get the lowest costs.
Kaiser Permanente has four Expanded Bronze plans and one Catastrophic plan, with an average plan rate of $186 and an average MOOP cost of $8,638. Kaiser Permanente also offers four Silver CSR plans at an average rate of $504 per month and an average MOOP cost of $7,463. The company’s denial rate is 8.45%, meaning that it approves claims more frequently than its competitors.
Kaiser Permanente is also a good option for people with low incomes. The company offers cost-effective plans for people earning below 250% of the Federal Poverty Level.
Kaiser Permanente is composed of Kaiser Foundation Health Plans (nonprofit, public-benefit corporations), the Permanente Medical Groups (for-profit professional organizations), and Kaiser Foundation Hospitals (a nonprofit, public-benefit corporation). It is the largest nonprofit health plan in the United States, serving 8.7 million members in nine states and the District of Columbia. Kaiser Permanente was ranked fifth as the most innovative healthcare company by Fast Company, thanks to its large civilian electronic health record and its healthcare innovation centre.
Kaiser Permanente offers personalized plans focusing on wellness and prevention to help members achieve their health goals. Members also have access to programs designed to help them be healthy, stay fit, and feel their best. Kaiser Permanente also offers Medicare health plans.
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PacificSource Health Plans: Oregon's only company selling PPO plans
There are several companies that sell medical insurance in Oregon, including Kaiser Permanente, which is the most popular health insurance company in the state. Forbes has also recommended Blue Cross Blue Shield Health Insurance for its wide provider network, and BridgeSpan Health Company for its low complaint levels and high consumer satisfaction.
PacificSource Health Plans is a notable provider on the Oregon health insurance marketplace as it is currently the only company selling PPO (preferred provider organization) plans. PPO plans are unique in that they allow you to see doctors outside of your network. You also don't need to choose a primary care doctor or get a referral to see a specialist. This flexibility comes at a cost, however, as PPO plans are, on average, slightly more expensive than EPO (exclusive provider organization) plans offered by other companies. EPO plans restrict you to a network of doctors unless you require emergency medical care, but similarly to PPOs, you don't need to choose a primary care doctor or get a referral before seeing a specialist.
PacificSource Health Plans has been in operation for almost 80 years, having been founded in 1933 by the physicians operating Pacific Christian Hospital in Eugene, Oregon. The company currently has over 275,000 individual members and works with almost 4,000 employers. It offers a range of health insurance plans, including individual health insurance, Medicare Advantage, Medicaid, group health, dental, vision, and prescription coverage.
Health insurance in Oregon can be expensive, costing an average of $610 per month, or $164 per month after discounts based on factors like age and income. Short-term health insurance plans can be a cheaper option, costing a few hundred dollars per month for healthy individuals, although these plans may not provide adequate coverage for those with serious medical conditions.
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BridgeSpan Health Company: Low-cost plans with high consumer satisfaction
BridgeSpan Health Company is an affiliate of Cambia Health Solutions, a group of companies working to transform the healthcare experience. BridgeSpan offers low-cost health plans in Oregon and Washington, with high consumer satisfaction reflected by its low complaint level to state insurance departments.
The company provides members with access to detailed information about their health history through a "Patient Access API". This information can be accessed by downloading a third-party application onto a smartphone, tablet, or computer. BridgeSpan also offers a Bump2Baby maternity management program, providing 24-hour nurse support, answering questions, and connecting new mothers to resources.
BridgeSpan's parent company, Cambia Health Solutions, is committed to bold thinking, new ideas, and innovative technology to make healthcare personally affordable, available, and relevant. This commitment extends to BridgeSpan, which strives to maintain high ethical standards and comply with all applicable laws.
In Oregon, health insurance costs an average of $610 per month or $164 per month after discounts based on factors like age, income, and the chosen plan tier and company. BridgeSpan's low-cost plans can help Oregonians access affordable healthcare, with the added benefit of high consumer satisfaction.
Overall, BridgeSpan Health Company stands out in Oregon's health insurance marketplace by offering low-cost plans coupled with high consumer satisfaction, achieving this through their commitment to ethical standards, innovative technology, and member support initiatives.
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Blue Cross Blue Shield Health Insurance: Access to a wide provider network
Blue Cross Blue Shield Health Insurance is a trusted name in health insurance across the United States. One of the key benefits of choosing Blue Cross Blue Shield is access to their wide provider network. This network advantage is particularly useful when travelling, as it allows for easier access to in-network doctors and healthcare providers across the country and even internationally.
The Blue Cross Blue Shield Association (BCBSA) provides national leadership and support to local BCBS companies, ensuring that members have access to a broad range of healthcare services and providers. This includes mental health options, medication support, and virtual care, giving members flexibility and choice in their healthcare.
In Oregon, the cost of health insurance is a key consideration for many, with the average monthly premium costing around $610, or $164 with income-based discounts. Blue Cross Blue Shield's presence in Oregon, through Regence, offers members access to a wide range of healthcare providers within the state. This includes the BridgeSpan Health Company, which has been recognised for its low complaint levels, indicating high consumer satisfaction.
Additionally, Blue Cross Blue Shield's network in Oregon includes Kaiser Permanente, which is known for its quality coverage and service. With Blue Cross Blue Shield, members can benefit from Kaiser Permanente's extensive network of providers, enhancing their overall healthcare experience. Furthermore, Blue Cross Blue Shield offers expanded bronze plans with higher coinsurance levels for in-network care, providing more comprehensive coverage options for its members.
Overall, Blue Cross Blue Shield's wide provider network in Oregon ensures that members have access to quality healthcare services, both within the state and beyond. With a range of plan options, including PPO and EPO choices, members can find the right balance of coverage and flexibility to meet their unique healthcare needs.
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Moda Health: Group and individual medical insurance plans
Moda Health, previously known as Oregon Dental Service (ODS), offers group and individual medical insurance plans in Oregon. Founded in 1955, the company initially only provided dental plans to Oregon residents. However, after expanding its services to include medical and pharmacy plans, the company rebranded itself as Moda Health. Today, Moda Health serves over 1 million members and has received two accreditation statuses from the National Committee of Quality Assurance (NCQA).
Moda Health offers PPO (Preferred Provider Organization) plans, which allow individuals to see doctors outside of their network. PPO plans do not require individuals to choose a primary care doctor or obtain referrals to see specialists. The company provides access to the Moda Select Network, a carefully selected community of primary care providers and specialists, ensuring better value and care. The Moda Select Network covers specific counties in Idaho, including Ada, Adams, Bannock, and Bear Lake.
In addition to its PPO plans, Moda Health offers individual medical plans that provide access to a network of licensed medical professionals, clinics, pharmacies, labs, and hospitals. These plans come with expert guidance, caring customer service, and helpful wellness services, tools, and programs. Moda Health also understands the unique insurance needs of individuals, families, and small business owners, catering to a diverse range of customers.
When considering health insurance in Oregon, it is important to note that costs can vary depending on factors such as age, income, and the chosen plan tier and company. On average, health insurance in Oregon costs $610 per month, but it can be as low as $164 per month after discounts based on income. Additionally, Oregon offers the Oregon Health Plan for individuals earning about $21,000 per year or less, and the Basic Health Program for those with slightly higher incomes.
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Frequently asked questions
There are several companies that sell medical insurance in Oregon, including Kaiser Permanente, PacificSource, BridgeSpan Health Company, Blue Cross Blue Shield Health Insurance, Moda Health, LifeWise Health Plan of Oregon, HealthCompare.com, ATRIO Health Plans, Fall River Health Insurance Solutions, Hagan Hamilton Insurance Solutions, and Providence Health Plan.
The average cost of health insurance in Oregon is $610 per month or $164 per month after discounts. The cost depends on factors such as age, income, the plan tier, and the company chosen.
The Oregon Health Plan is a government-funded health insurance program for individuals and families who meet certain income requirements. Individuals earning about $21,000 per year or less and families of four earning $44,000 per year or less may qualify for this plan.
Yes, Oregon offers short-term health plans that can be cheaper if you are young and healthy. These plans can be purchased outside of open enrollment periods to bridge coverage gaps. Additionally, individuals under 30 or facing severe economic issues may qualify for catastrophic health insurance through the ACA marketplace.
When selecting a health insurance company in Oregon, consider the cost, features, ease of use, customer service, and specific attributes important to you. Some companies may offer expanded bronze plans with higher coinsurance levels, while others provide PPO or EPO plans with different levels of flexibility in choosing doctors. It is essential to compare plans and companies to find the best fit for your needs and budget.
