Generated by All in One SEO v4.9.9, this is an llms.txt file, used by LLMs to index the site. # Health Plans In Oregon Health Plans In Oregon, Affordable Health Insurance, Top Medicare in Oregon ## Sitemaps - [XML Sitemap](https://www.healthplansinoregon.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Blog](https://www.healthplansinoregon.com/blog-health-plans-in-oregon/) - Medicare Advantage vs. Supplement: Which One Wins for You? Turning 65, or approaching Medicare eligibility for any other reason, comes with a big decision that trips up almost everyone at first: should you go with a Medicare Advantage plan, or pair Original Medicare with Read More » Switching From Medicare Advantage Back to Original? Read - [Switching From Medicare Advantage Back to Original? Read This First](https://www.healthplansinoregon.com/switching-from-medicare-advantage-back-to-original-read-this-first/) - Thinking about leaving Medicare Advantage for Original Medicare? Learn the timing, coverage gaps, and steps to switch back the right way. - [Medicare Advantage vs. Supplement: Which One Wins for You?](https://www.healthplansinoregon.com/medicare-advantage-vs-supplement-which-one-wins-for-you-2/) - Comparing Medicare Advantage and Medicare Supplement plans? See the key differences in cost, flexibility, and coverage to find your best fit. - [Life Insurance After 50: It's Not Too Late, But Here's the Catch](https://www.healthplansinoregon.com/life-insurance-after-50-its-not-too-late-but-heres-the-catch/) - Thinking about life insurance after 50? Learn your options, what changes with age, and how final expense coverage can protect your family affordably. - [5 Health Insurance Mistakes New Employees Always Make](https://www.healthplansinoregon.com/5-health-insurance-mistakes-new-employees-always-make/) - New to a job? Don't rush your benefits enrollment. Avoid these 5 common health insurance mistakes new employees make before you sign up. - [In-Network vs. Out-of-Network: The Difference That Can Cost You Thousands](https://www.healthplansinoregon.com/in-network-vs-out-of-network-the-difference-that-can-cost-you-thousands/) - Confused about in-network vs. out-of-network coverage? Learn the key differences that can save you thousands on your next medical bill. - [Gap Year, Career Change, or Just in Between? Here's Your Coverage Cheat Code](https://www.healthplansinoregon.com/gap-year-career-change-or-just-in-between-heres-your-coverage-cheat-code/) - Between jobs, launching a business, or taking a gap year? Don't let your health coverage fall through the cracks. Here's exactly which Oregon insurance options fit your situation — and how to choose the right one fast. - [Can You Get Final Expense Insurance With Pre-Existing Conditions? (Yes — Here's How)](https://www.healthplansinoregon.com/can-you-get-final-expense-insurance-with-pre-existing-conditions-yes-heres-how/) - Yes — most people with pre-existing conditions can still get final expense insurance. Discover which conditions qualify, the 3 plan types available, and expert tips to get approved fast. - [Accident Insurance vs. Health Insurance: Why You Might Need Both](https://www.healthplansinoregon.com/accident-insurance-vs-health-insurance-why-you-might-need-both/) - Health insurance doesn't cover everything. Learn how accident insurance fills the gaps, how both work together, and how to find the right coverage combination in Oregon. - [What Is the Health Insurance Marketplace Special Enrollment Period — and Do You Qualify?](https://www.healthplansinoregon.com/what-is-the-health-insurance-marketplace-special-enrollment-period-and-do-you-qualify/) - Missed Open Enrollment? Learn how the Special Enrollment Period works, what life events qualify, and how to find individual, family, or Oregon Health Plan coverage today. - [Why Gen Z Is Skipping Health Insurance — and Why That's a Trap](https://www.healthplansinoregon.com/why-gen-z-is-skipping-health-insurance-and-why-thats-a-trap/) - Gen Z is the most likely generation to go uninsured — but skipping health coverage is a gamble with real financial consequences. Here's what's driving the trend, what it actually costs, and how to get covered affordably in Oregon. - [Term vs. Whole Life: Which One Is Actually Worth Your Money?](https://www.healthplansinoregon.com/term-vs-whole-life-which-one-is-actually-worth-your-money/) - Confused about term vs. whole life insurance? We break down the real costs, benefits, and trade-offs of each policy type — so you can choose the life insurance in Oregon that's actually worth your money. - [HSA vs. FSA: The Money-Saving Health Hack Most People Ignore](https://www.healthplansinoregon.com/hsa-vs-fsa-the-money-saving-health-hack-most-people-ignore/) - Most individuals and families miss out on hundreds in tax savings every year by ignoring HSAs and FSAs. Learn how these accounts work, how they pair with the health insurance marketplace, and whether Oregon Health Plan qualifies — so you can keep more money in your pocket. - [Your Prescriptions Changed — Did Your Medicare Drug Plan Keep Up?](https://www.healthplansinoregon.com/your-prescriptions-changed-did-your-medicare-drug-plan-keep-up/) - A Medicare drug plan that worked last year may not cover your prescriptions the same way this year. Here's how to check if your plan kept up — and what to do in Oregon if it didn't. - [How Group Insurance Is Changing the Employee Experience](https://www.healthplansinoregon.com/how-group-insurance-is-changing-the-employee-experience/) - Group insurance has evolved far beyond basic health coverage. Discover how modern group benefits are reshaping the employee experience in Oregon — and what small businesses need to know to keep up. - [Short Term Medical Is the Budget-Friendly Bridge You Didn't Know Existed](https://www.healthplansinoregon.com/short-term-medical-is-the-budget-friendly-bridge-you-didnt-know-existed/) - Short-term medical insurance is one of Oregon's most underused coverage options — and for the right situation, it's exactly what you need. Here's how it works, what it covers, and when it makes financial sense. - [The Medicare Glow-Up: Modernizing How You Think About Senior Coverage](https://www.healthplansinoregon.com/the-medicare-glow-up-modernizing-how-you-think-about-senior-coverage/) - Medicare isn't a dusty government program you passively sign up for — it's a retirement asset you can optimize. Learn how to modernize your Medicare mindset, compare Medicare Advantage vs. Medicare Supplement, and make smarter coverage decisions at every stage. - [Your Group Insurance Benefits Are Worth More Than Your Salary Bump.](https://www.healthplansinoregon.com/your-group-insurance-benefits-are-worth-more-than-your-salary-bump/) - That raise looks good on paper — but have you calculated what your group insurance benefits are actually worth? Here's why employer coverage often outweighs a salary increase, and what Oregon workers and small businesses need to know. - [Burial Insurance vs. Final Expense: Are They the Same Thing?](https://www.healthplansinoregon.com/burial-insurance-vs-final-expense-are-they-the-same-thing/) - Dental and vision coverage are often skipped during open enrollment — but the costs of ignoring them add up fast. Learn how to pair dental insurance, vision insurance, and health insurance for complete, affordable coverage in Oregon. - [Shop Smarter: 7 Things to Look for Before Choosing a Marketplace Health Plan](https://www.healthplansinoregon.com/shop-smarter-7-things-to-look-for-before-choosing-a-marketplace-health-plan/) - Choosing a marketplace health plan in Oregon doesn't have to be overwhelming. Here are 7 key things to check before you enroll — so you get the right coverage for your budget and your health needs. - [ACA Marketplace Demystified: Bronze, Silver, Gold — Which Plan Wins?](https://www.healthplansinoregon.com/aca-marketplace-demystified-bronze-silver-gold-which-plan-wins/) - Most people stumble into the wrong Medicare plan and pay the price. Learn the most common Medicare mistakes, how to compare Medicare Advantage, Medicare Supplement, and Medicare Prescription Drug Plans, and how to choose the right coverage for your needs. - [Why Dental and Vision Are the Most Overlooked Benefits — And How to Fix That](https://www.healthplansinoregon.com/why-dental-and-vision-are-the-most-overlooked-benefits-and-how-to-fix-that/) - Dental and vision coverage are often skipped during open enrollment — but the costs of ignoring them add up fast. Learn how to pair dental insurance, vision insurance, and health insurance for complete, affordable coverage in Oregon. - [Life Insurance at Every Age: What Coverage Looks Like in Your 30s, 40s, and Beyond](https://www.healthplansinoregon.com/life-insurance-at-every-age-what-coverage-looks-like-in-your-30s-40s-and-beyond/) - Your life insurance needs change as you age. Here's what coverage should look like in your 30s, 40s, 50s, and 60s — from income replacement to final expense insurance — and how to make sure you're never carrying the wrong policy at the wrong time. - [Medicare 101: Everything You Wished Someone Had Told You at 64](https://www.healthplansinoregon.com/medicare-101-everything-you-wished-someone-had-told-you-at-64/) - New to Medicare? This plain-language guide covers everything you need to know before you turn 65 — Parts A, B, C, and D, Medicare Advantage vs. Medicare Supplement, enrollment deadlines, coverage gaps, and how to avoid costly mistakes. - [See Clearly, Smile Brightly: How to Pick the Right Dental & Vision Plan](https://www.healthplansinoregon.com/see-clearly-smile-brightly-how-to-pick-the-right-dental-vision-plan/) - Not sure how to choose the right dental or vision plan in Oregon? This guide breaks down what to look for, how the plans work, and how to pair them with your health insurance for complete coverage. - [Hot Take: Most People Pick the Wrong Medicare Plan — Are You One of Them?](https://www.healthplansinoregon.com/hot-take-most-people-pick-the-wrong-medicare-plan-are-you-one-of-them/) - Most people stumble into the wrong Medicare plan and pay the price. Learn the most common Medicare mistakes, how to compare Medicare Advantage, Medicare Supplement, and Medicare Prescription Drug Plans, and how to choose the right coverage for your needs. - [How Much Life Insurance Do You Really Need? A Simple Formula](https://www.healthplansinoregon.com/how-much-life-insurance-do-you-really-need-a-simple-formula/) - Stop guessing how much life insurance you need. Use the DIME formula — Debt, Income, Mortgage, Education — to calculate the right coverage for your family, and learn how final expense and supplemental insurance fill the gaps. - [Why Your Life Insurance at 30 Costs Less Than Your Netflix — Here's Proof](https://www.healthplansinoregon.com/why-your-life-insurance-at-30-costs-less-than-your-netflix-heres-proof/) - There’s a belief that stops a lot of people in their thirties from buying life insurance: the assumption that it’s expensive. That it’s something you’ll get around to “eventually,” once you’ve paid off more debt, saved more money, or figured out your finances. Meanwhile, you’re paying $15 or $22 or $24 a month for a - [Why Your Medicare Premium Keeps Going Up — and What You Can Do](https://www.healthplansinoregon.com/why-your-medicare-premium-keeps-going-up-and-what-you-can-do/) - If you’ve noticed your Medicare costs climbing year after year, you’re not imagining it. Premiums, deductibles, and out-of-pocket costs have risen steadily for decades — and for millions of beneficiaries on a fixed income, those increases hit hard. But understanding why they rise is the first step toward taking back some control.The Anatomy of a - [Medicare & AI: How Technology Is Changing What's Covered](https://www.healthplansinoregon.com/medicare-ai-how-technology-is-changing-whats-covered/) - Artificial intelligence is no longer a futuristic concept — it’s actively reshaping how Medicare evaluates, approves, and delivers healthcare to millions of Americans. For beneficiaries, agents, and families alike, understanding these shifts is key to making smarter coverage decisions today.The Quiet Revolution Inside MedicareFor decades, Medicare coverage decisions moved through a relatively predictable process: physicians - [Medicare vs. Retiree Insurance: A Retiree's Guide to Keeping More Money in Your Pocket](https://www.healthplansinoregon.com/medicare-vs-retiree-insurance-a-retirees-guide-to-keeping-more-money-in-your-pocket/) - Most retirees pick one and never look back. That might be the most expensive decision of their retirement.When you leave the workforce, your benefits don’t automatically follow you out the door — at least not in the same form. If your employer offers retiree health coverage, it can feel like the safe, familiar choice. But - [HMO vs. PPO Medicare Advantage: Which One Fits Your Life?](https://www.healthplansinoregon.com/hmo-vs-ppo-medicare-advantage-which-one-fits-your-life/) - If you’re choosing a Medicare Advantage plan, two letters can completely change your healthcare experience: HMO or PPO. Both fall under the Medicare Advantage umbrella, both are offered by private insurers approved by Medicare, and both must cover everything Original Medicare covers — but the rules, costs, and flexibility between them are very different.Understanding those - [Can I Keep My Doctor When I Sign Up With Medicare?](https://www.healthplansinoregon.com/can-i-keep-my-doctor-when-i-sign-up-with-medicare/) - If you’re turning 65 or helping a loved one prepare for Medicare, one question almost always comes first:“Can I keep my doctor when I sign up with Medicare?”It’s a fair question — and an important one.Your doctor knows your history, your medications, your preferences, and your health goals. Losing that relationship can feel stressful, confusing, - [2026 Health Care Bill: What It Means for Your Health Insurance Costs](https://www.healthplansinoregon.com/2026-health-care-bill-what-it-means-for-your-health-insurance-costs/) - Understanding the 2026 Health Care ReformWhy This Bill Is a Major Policy ShiftThe 2026 Health Care Bill is not just another update to existing healthcare laws—it represents a significant restructuring of how healthcare is funded, delivered, and accessed in the United States. At its core, this legislation reflects a shift in philosophy: less centralized federal - [Why Medicare Planning Starts Before 65](https://www.healthplansinoregon.com/why-medicare-planning-starts-before-65/) - Why Medicare Planning Starts Before 65The Hidden Complexity of MedicareMost people assume Medicare is simple—turn 65, sign up, and you’re covered. But the reality feels more like assembling furniture without instructions. There are multiple parts, private plan options, deadlines, penalties, and exceptions. One wrong move doesn’t just cause confusion—it can cost you money for the - [When to Stop HSA Contributions Before Medicare?](https://www.healthplansinoregon.com/when-to-stop-hsa-contributions-before-medicare/) - Learn the key rules involving Medicare, Medicare Advantage, and Medicare Part D to avoid HSA tax penalties. - [If you have Oregon Health Plan, you MUST read this!](https://www.healthplansinoregon.com/if-you-have-oregon-health-plan-you-must-read-this/) - If you’re an OHP (Oregon Health Plan) recipient, you’ve probably heard the term ‘OHP Redetermination’ thrown around. It’s an important process that determines your continued eligibility for OHP benefits. While it can be scary, you need to know what is happening and what you can do. Doing nothing is the worst thing you can do. In this - [How and Where to Get Help Paying for Medicare Costs](https://www.healthplansinoregon.com/how-and-where-to-get-help-paying-for-medicare-costs/) - Discover how and where to get help paying for Medicare costs, including savings programs, Extra Help, Medicaid, and expert tips to reduce expenses. - [How Medicaid Can Help With Medicare Expenses](https://www.healthplansinoregon.com/how-medicaid-can-help-with-medicare-expenses/) - Learn how Medicaid helps cover Medicare costs like premiums, deductibles, copays, and prescriptions. Discover eligibility, Medicare Savings Programs, and how dual coverage can lower healthcare expenses - [How Medicare Works With Other Insurance](https://www.healthplansinoregon.com/how-medicare-works-with-other-insurance-2/) - Learn how Medicare works with other insurance, including employer plans, COBRA, Medicaid, TRICARE, and VA benefits. Understand who pays first and how to avoid costly mistakes. - [Life Events and Health Insurance: What to Do When Things Change](https://www.healthplansinoregon.com/life-events-and-health-insurance-what-to-do-when-things-change/) - Life never stands still. One day, you’re single and healthy. Next, you’re married, starting a family, switching jobs, or preparing for retirement. With each shift, your health insurance needs change too. That’s why understanding life events and health insurance is essential for maintaining continuous, affordable, and effective coverage.Health insurance isn’t just paperwork—it’s your safety net. - [Medicare and Medicaid transportation coverage: What is and isn’t covered](https://www.healthplansinoregon.com/medicare-and-medicaid-transportation-coverage-what-is-and-isnt-covered/) - Learn what is and isn’t covered, including emergency ambulances, non-emergency medical transportation, and plan limitations. - [Understanding the Medicare Part B Giveback Benefit in 2025](https://www.healthplansinoregon.com/understanding-the-medicare-part-b-giveback-benefit-in-2025/) - Discover how the Medicare Part B Giveback Benefit in 2025 works, who qualifies, and how it can help lower your monthly premiums - [AI for Medicare and Health Insurance: Transforming the Future of Healthcare Coverage](https://www.healthplansinoregon.com/ai-for-medicare-and-health-insurance-transforming-the-future-of-healthcare-coverage/) - Discover how Artificial Intelligence is transforming Medicare and health insurance through smarter plans and predictive healthcare for better outcomes. - [Could Partial Retirement Be Right For You?](https://www.healthplansinoregon.com/could-partial-retirement-be-right-for-you/) - Could partial retirement be right for you? Explore Medicare enrollment, Advantage plan comparison, prescription coverage options, and more for a smooth transition to semi-retirement. - [Do I need to take the Medicare Annual Wellness Visit?](https://www.healthplansinoregon.com/do-i-need-to-take-the-medicare-annual-wellness-visit/) - Is the Medicare Annual Wellness Visit required? Learn who needs it, what it includes, costs, benefits, and why it's recommended but not mandatory. - [HSA vs. Medicare: What You Need to Know Before You Turn 65](https://www.healthplansinoregon.com/hsa-vs-medicare-what-you-need-to-know-before-you-turn-65/) - Learn the key differences between HSA and Medicare before you turn 65. Understand how they work together, their benefits, and important considerations for your healthcare planning. - [IRMAA 2025 for Medicare Part D and Part B](https://www.healthplansinoregon.com/irmaa-2025-for-medicare-part-d-and-part-b/) - Learn about the 2025 Medicare IRMAA brackets, income thresholds, and how the surcharge affects Medicare Part B and Part D premiums. - [What's Next After Medicare Annual Open Enrollment Period](https://www.healthplansinoregon.com/whats-next-after-medicare-annual-open-enrollment-period/) - Discover the steps to take after the Medicare Annual Open Enrollment Period ends. - [Medicare Benefits in 2025: Four Key Changes Every Enrollee Should Be Aware Of](https://www.healthplansinoregon.com/medicare-benefits-in-2025-four-key-changes-every-enrollee-should-be-aware-of/) - Discover four important changes to Medicare benefits in 2025 that every enrollee needs to understand for better coverage. Stay informed and prepared! - [Common Medicare mistakes to avoid during Enrollment](https://www.healthplansinoregon.com/common-medicare-mistakes-to-avoid-during-enrollment/) - Don't let mistakes cost you during Medicare Open Enrollment! Discover common pitfalls to avoid and make informed choices for your healthcare needs. - [Can I Keep My Current Doctors When I Transition to Medicare?](https://www.healthplansinoregon.com/can-i-keep-my-current-doctors-when-i-transition-to-medicare/) - Wondering if you can keep your current doctors when transitioning to Medicare? Learn how Original Medicare, Medicare Advantage, and provider networks affect your choice. - [What Is the Medicare Flex Card?](https://www.healthplansinoregon.com/what-is-the-medicare-flex-card/) - Discover the advantages and features of Medicare Flex Cards for seniors. Explore how these cards can enhance your healthcare experience. - [How to know if a Medicare flex card offer is legitimate](https://www.healthplansinoregon.com/how-to-know-if-a-medicare-flex-card-offer-is-legitimate/) - Learn how to identify trustworthy Medicare Flex Card offers and avoid common scams with these essential tips. - [Medicare Is Changing in 2025 — Here’s Why You Should Pay Attention and Read Your ANOC](https://www.healthplansinoregon.com/medicare-is-changing-in-2025-heres-why-you-should-pay-attention-and-read-your-anoc/) - In 2025, Medicare will experience some of the most significant changes in a generation. These changes will include a $2,000 cap on out-of-pocket costs for Part D drugs, a new opt-in payment plan, and possible broad adjustments to Medicare Advantage plans. Most of these modifications stem from the Inflation Reduction Act.Here are three reasons you - [How Does Medicare Cover Cancer Treatment?](https://www.healthplansinoregon.com/how-does-medicare-cover-cancer-treatment/) - Discover how Medicare covers cancer treatment, including inpatient and outpatient services, prescription drugs, and preventive measures, to support your healthcare needs. - [Does Medicare Cover Mental Health Services?](https://www.healthplansinoregon.com/does-medicare-cover-mental-health-services/) - Discover if Medicare covers mental health services. Learn about eligibility, coverage options, and accessing care for your mental well-being. - [Does Medicare Cover Hearing Aids?](https://www.healthplansinoregon.com/does-medicare-cover-hearing-aids/) - Discover if Medicare covers hearing aids & related services. Learn about coverage options & eligibility criteria for seniors with hearing impairments. - [Does Medicare Cover Dental Care?](https://www.healthplansinoregon.com/does-medicare-cover-dental-care/) - Discover the coverage of dental care under Medicare, explore options, and make informed decisions for a healthier, covered smile. - [8 Health Insurance Options for Individuals Retiring Before the Age of 65](https://www.healthplansinoregon.com/8-health-insurance-options-for-individuals-retiring-before-the-age-of-65/) - Discover comprehensive health insurance choices for early retirees under 65. Explore 8 options to secure your well-being in retirement. Make informed decisions today! - [Does Medicare Cover International Travel?](https://www.healthplansinoregon.com/does-medicare-cover-international-travel/) - Discover if Medicare covers international travel. Learn about healthcare options abroad and ensure your medical needs are met while traveling with Medicare. - [Does Medicare Cover Eye Exams?](https://www.healthplansinoregon.com/does-medicare-cover-eye-exams/) - Discover if Medicare covers eye exams. Uncover details on coverage, costs, and options. Ensure your visual health with informed Medicare decisions. - [What is the Welcome to Medicare preventive visit?](https://www.healthplansinoregon.com/what-is-the-welcome-to-medicare-preventive-visit/) - Discover the significance of the Welcome to Medicare preventive visit. Learn about the comprehensive evaluation and personalized preventive services . - [What Is the Medicare General Enrollment Period?](https://www.healthplansinoregon.com/what-is-the-medicare-general-enrollment-period/) - The Medicare General Enrollment Period is an annual event, spanning from January 1st to March 31st, offering a unique chance for individuals who overlooked their initial enrollment in Medicare Part A and/or Part B to enroll. This designated period caters to those who, for various reasons, didn’t enroll in Medicare when initially eligible, providing them - [Does Medicare Pay For Gym Memberships?](https://www.healthplansinoregon.com/does-medicare-pay-for-gym-memberships/) - Individuals aged 65 and older are advised to engage in regular physical activity multiple times a week as a preventive measure against the development of chronic health conditions. This activity should encompass various intensities and include both aerobic and strength exercises, incorporating movements designed to enhance balance. Aerobic exercises such as hiking, walking, swimming, or - [What happens if I miss Medicare open enrollment?](https://www.healthplansinoregon.com/what-happens-if-i-miss-medicare-open-enrollment/) - The annual Medicare Open Enrollment Period occurs annually from October 15 to December 7, commonly known as the Annual Enrollment Period (AEP). Within this timeframe, beneficiaries have the flexibility to enroll in, modify, or discontinue an Original Medicare or Medicare Advantage plan. However, in the event that you overlook the Medicare Open Enrollment Period, you might - [2024 Medicare Advantage Star Ratings](https://www.healthplansinoregon.com/2024-medicare-advantage-star-ratings/) - Every year, Medicare evaluates Medicare plans using a variety of metrics. Each plan is assigned an overall star rating, and separate summary ratings for prescription drug plan quality and health plan quality are calculated where applicable.This section elaborates on the basis of the star ratings and offers examples of plan quality.For plans that exclusively cover - [Get Ready: Medicare Part B Premium and Other Expenses Will Increase in 2024.](https://www.healthplansinoregon.com/get-ready-medicare-part-b-premium-and-other-expenses-will-increase-in-2024/) - The open enrollment period, available until December 7th, has arrived, bringing with it the updated Medicare premium rates for 2024. These premiums have seen an increase from the previous year, 2023. This rise was anticipated after an unusual decrease in premium and deductible costs last year. To maximize the benefits of your plan, it’s crucial to - [Medicare Open Enrollment 2024: Your Enrollment Guide](https://www.healthplansinoregon.com/medicare-open-enrollment-2024-your-enrollment-guide/) - The Medicare open enrollment period, which occurs annually from October 15 to December 7, allows individuals already enrolled in Medicare to modify their coverage. Having a good grasp of Medicare open enrollment can significantly enhance the benefits you receive from your Medicare or Medicare Advantage coverage in 2024.Here are some key points to note:Medicare open - [St. Charles dropping Medicare Advantage plans as enrollment starts: 26,000 may be affected](https://www.healthplansinoregon.com/st-charles-dropping-medicare-advantage-plans-as-enrollment-starts-26000-may-be-affected/) - Expressing worries regarding patient care, accessibility, and affordability, St. Charles Health System has indicated the possibility of discontinuing its involvement in all Medicare Advantage plans. This includes plans offered by Humana, PacificSource, HealthNet, and WellCare. The health system has encouraged participants to contemplate transitioning to traditional Medicare. This announcement has raised concerns among patients and - [7 tips to help you get ready for the 2024 Medicare Annual Enrollment Period](https://www.healthplansinoregon.com/7-tips-to-help-you-get-ready-for-the-2024-medicare-annual-enrollment-period/) - The 2024 Medicare Annual Enrollment Period is on the horizon, and it’s crucial to be well-prepared.Each year, your Medicare plan automatically renews unless you make changes. However, the benefits might differ from the previous year as insurance companies revise their Medicare plans annually.Instead of letting your plan renew without consideration, it’s advisable to ensure it - [6 Reasons Why You Should Consider Buying Life Insurance](https://www.healthplansinoregon.com/6-reasons-why-you-should-consider-buying-life-insurance/) - Life is unpredictable, and ensuring the financial security of your loved ones is a responsibility we all share. One of the most effective ways to safeguard your family’s future is by investing in life insurance. In this comprehensive guide, we will delve into the six compelling reasons why you should consider buying life insurance. From - [How Does Group Insurance Differ From Individual Insurance?](https://www.healthplansinoregon.com/how-does-group-insurance-differ-from-individual-insurance/) - As a small business owner, it’s essential to consider providing your workforce with a comprehensive benefits package. But, how can you discern which options are suitable and which aren’t? Health insurance is a logical starting point, but the array of choices can be bewildering. One pertinent question arises: What sets apart group and individual health - [Do I have to be enrolled in Medicare Part B before I enroll in a Medicare Advantage plan?](https://www.healthplansinoregon.com/do-i-have-to-be-enrolled-in-medicare-part-b-before-i-enroll-in-a-medicare-advantage-plan/) - Is it necessary to first enroll in Medicare Part B before signing up for a Medicare Advantage plan? In brief, the answer is yes. The Medicare Advantage plan, often referred to as Medicare Part C, allows Medicare beneficiaries to obtain their Medicare Part A and Part B benefits through a Medicare Advantage plan rather than - [Does Medicare Cover People's Spouses?](https://www.healthplansinoregon.com/does-medicare-cover-peoples-spouses/) - Medicare offers federal health insurance coverage for those turning 65 years and over, as well as those with a permanent disability. Medicare does not cover spouses specifically. However, some spouses qualify based on the work record of their spouse or a former spouse.Some spouses may qualify by reaching 65 years of age and having their - [What is the difference between Medicare and Obamacare?](https://www.healthplansinoregon.com/what-is-the-difference-between-medicare-and-obamacare/) - Obamacare refers to the services available through the Affordable Care Act’s Marketplace plans, which are privately offered insurance plans. These plans aim to provide comprehensive coverage at more affordable rates, specifically catering to individuals who do not receive health benefits from their employer or the government.If you are already enrolled in Medicare, a government-offered health - [Can I Buy Health Insurance At Any Time?](https://www.healthplansinoregon.com/an-i-buy-health-insurance-at-any-time/) - The Affordable Care Act brought the idea of purchasing individual plans to the forefront for many healthcare consumers instead of solely relying on group plans provided by employers. This change has led to common questions encountered by licensed insurance brokers. Some of these inquiries include: ‘When is it possible to buy individual and family insurance - [Medicare Late Enrollment Penalties and How To Avoid Them](https://www.healthplansinoregon.com/medicare-late-enrollment-penalties-and-how-to-avoid-them/) - Navigating Medicare can be a complex journey, leaving many individuals uncertain about when and how to enroll. Failing to enroll on time can lead to enduring financial penalties, underscoring the importance of understanding your Initial Enrollment Period and collaborating with an agent to secure suitable coverage at the right juncture. The encouraging news is that evading - [What Disabilities Qualify for Medicare Under 65?](https://www.healthplansinoregon.com/what-disabilities-qualify-for-medicare-under-65/) - To be eligible for Medicare under the age of 65, typically, you must have a disability that renders you incapable of working for a minimum of one year. Instances encompass specific forms of cancer, respiratory ailments, and musculoskeletal conditions. The prerequisites for disability stem from the Social Security Disability Insurance program, abbreviated as SSDI. Your initial - [Do I Need Health Insurance If I’m Self-Employed?](https://www.healthplansinoregon.com/do-i-need-health-insurance-if-im-self-employed/) - Do I Need Health Insurance If I’m Self-Employed?YES! Health Insurance is not just a luxury; it’s a requirement for everyone, including self-employed individuals. Without the safety net of an employer-backed health plan, self-employed individuals face financial vulnerabilities from unforeseen medical expenses. While health insurance costs may appear daunting, potential medical treatment, prescription, and emergency expenses - [Is it worth getting health insurance if you are healthy?](https://www.healthplansinoregon.com/is-it-worth-getting-health-insurance-if-you-are-healthy/) - In a world where health is often deemed one’s greatest wealth, the question of whether it’s worth getting health insurance if you are healthy has gained significant attention. As individuals strive to make informed decisions about their financial and health-related matters, it’s crucial to weigh the pros and cons of health insurance in light of - [Can I Get Medicare If I’ve Never Worked?](https://www.healthplansinoregon.com/can-i-get-medicare-if-ive-never-worked/) - The majority of Medicare beneficiaries are exempt from paying a premium for Medicare Part A, which covers hospital expenses. This is due to the fact that during your employment, a portion of your earnings was subject to taxation for a specified duration and contributed to the Federal Insurance Contributions Act, a fund that supports Medicare.In - [Health Insurance for Small Business Owners](https://www.healthplansinoregon.com/health-insurance-for-small-business-owners/) - Running a small business comes with its fair share of challenges, and one of the most crucial aspects to consider is providing health insurance for employees. As a small business owner, navigating the world of health insurance can be overwhelming, but it’s essential to offer your employees the benefits they deserve. In this article, we - [How Can I Find Doctors Who Accept My Medicare Advantage Plan?](https://www.healthplansinoregon.com/how-can-i-find-doctors-who-accept-my-medicare-advantage-plan/) - How can you determine if your Medicare Advantage plan restricts you to network doctors? Not every Medicare Advantage plan needs the use of doctors within its provider network, but a considerable number of them do. Some Medicare Advantage plans may permit you to seek medical care outside their network, but they might levy a higher - [How OHP works with Medicare](https://www.healthplansinoregon.com/how-ohp-works-with-medicare/) - Medicare offers medical coverage and benefits to individuals aged 65 or older or those who meet specific disability criteria. Oregon Health Plan (OHP) is a program that helps people with low income and resources pay for medical expenses. It is run by both the federal and state governments. Additionally, OHp provides benefits that are typically - [Can I buy Medicare Supplement insurance if I’m disabled and under age 65?](https://www.healthplansinoregon.com/can-i-buy-medicare-supplement-insurance-if-im-disabled-and-under-age-65/) - If you are under 65 and living with a disability, you might be eligible for Medicare due to a qualifying disability. While Medicare covers a portion of your healthcare expenses, it may not cover everything.That’s where Medigap insurance comes into play. Medigap, also known as Medicare Supplement Insurance, is designed to fill the gaps in - [6 Things Every Baby Boomer Should Do Before Turning 65](https://www.healthplansinoregon.com/6-things-every-baby-boomer-should-do-before-turning-65/) - Turning 65? Every day, 10,000 baby boomers reach this milestone, making them eligible for Medicare. It’s a crucial time to review your retirement plan, government programs like Medicare, and financial arrangements. This checklist guides you through essential aspects to consider.1. Medicare PreparationAs you approach the age of 65, you become eligible to enroll in Medicare - [Don’t fall for these costly Medicare Mistakes](https://www.healthplansinoregon.com/avoid-these-costly-medicare-mistakes/) - When it comes to Medicare, making mistakes can be costly both financially and in terms of healthcare coverage. Navigating the complexities of the Medicare system can be overwhelming, leading to Medicare Mistakes that might affect your benefits and coverage. In this comprehensive guide, we will delve into the common Medicare mistakes that you should avoid, - [Do you need Medicare Part D if you’re not taking any medications?](https://www.healthplansinoregon.com/do-you-need-medicare-part-d-if-youre-not-taking-any-medications/) - If you’re in good health and don’t require prescription medications, you may be wondering about the necessity of having Medicare Part D Drug Plans. While Part D plans specifically cater to prescription drugs, it may not appear as an immediate requirement. Nevertheless, choosing not to enroll in a Part D plan could potentially result in - [What Happens if You Don’t Have Health Insurance?](https://www.healthplansinoregon.com/what-happens-if-you-dont-have-health-insurance/) - Health insurance plays a crucial role in protecting individuals and families from the financial burden of medical expenses. However, not everyone has access to or can afford health insurance coverage. In this article, we will explore the implications of not having health insurance and discuss the potential consequences that individuals may face in such circumstances. - [How Medicare Works With Other Insurance](https://www.healthplansinoregon.com/how-medicare-works-with-other-insurance/) - How Medicare works is that it takes precedence as the main coverage when it is the only insurance you have. However, if you have additional insurance, a predetermined coordination of benefits is used to determine which coverage is primary and which is secondary.The primary coverage, as its name suggests, is given priority in payment, while - [Planning a Summer Vacation? Don’t forget to pack travel insurance!](https://www.healthplansinoregon.com/planning-a-summer-vacation-dont-forget-to-pack-travel-insurance/) - Planning a trip can be an exciting and thrilling experience. Whether you’re going on a vacation or a business trip, it’s important to make sure you have all your bases covered. One crucial aspect that should not be overlooked is travel health insurance. It provides protection and peace of mind to individuals and families while - [How to Qualify for an air conditioning unit from CareOregon](https://www.healthplansinoregon.com/how-to-qualify-for-an-air-conditioning-unit-from-careoregon/) - CareOregon presents a program that offers the possibility of equipping your home with an air conditioning unit. By utilizing their Health Related Services, your healthcare provider can make a funding request for an AC unit to address specific chronic conditions.Funding Assistance for Air Conditioners for Individuals with Chronic ConditionsExtreme heat can pose significant risks, especially - [7 Things Medicare Doesn’t Cover (and how to get them covered)](https://www.healthplansinoregon.com/7-things-medicare-doesnt-cover-and-how-to-get-them-covered/) - As you turn 65, you likely have a good grasp of what health insurance does and doesn’t cover. However, Medicare operates differently and has exclusions that may catch you off guard. Medicare is a government-provided health insurance program for individuals aged 65 and older, as well as those with disabilities and specific chronic conditions. In - [Did you Lose Your Job and Need Health Insurance?](https://www.healthplansinoregon.com/did-you-lose-your-job-and-need-health-insurance/) - Losing your job is an overwhelming experience that brings forth new challenges and realities. One such reality is the impact on your health insurance coverage, especially if you relied on employer-based group coverage like most Americans. The loss of your job may also mean the loss of your health coverage, which can be quite unsettling. If - [Tips for Maximizing Medicare Benefits in Retirement](https://www.healthplansinoregon.com/tips-for-maximizing-medicare-benefits-in-retirement/) - Retirement is a time to relax and enjoy the fruits of your labor. As you enter this new phase of life, it’s important to make the most of the benefits available to you. One such benefit is Medicare, a federal health insurance program for individuals aged 65 and older. Medicare provides coverage for hospital stays, - [The Basics - What is Medicare Advantage?](https://www.healthplansinoregon.com/the-basics-what-is-medicare-advantage/) - What is Medicare Advantage?Medicare Advantage, also known as Medicare Part C, refers to private insurance plans offered by insurance companies that combine the coverage of Original Medicare (Medicare Part A and Part B) with additional benefits. These plans typically provide a range of benefits, including hospitalization, select home healthcare services, hospice care, doctor visits, prescription drug coverage, - [How Much Does Health Insurance Cost In 2023?](https://www.healthplansinoregon.com/how-much-does-health-insurance-cost-in-2023/) - In today’s world, having health insurance is a crucial aspect of personal financial planning. As medical costs continue to rise, it’s essential to understand how much health insurance will cost in 2023. Health insurance premiums are influenced by a multitude of factors, including your age, location, coverage options, and more. In this comprehensive guide, we’ll - [Delaying Medicare Enrollment: Working Past 65](https://www.healthplansinoregon.com/delaying-medicare-enrollment-working-past-65/) - Are you turning 65 soon? You may be eligible to enroll in Medicare, a federal health insurance program that provides coverage to millions of Americans aged 65 and older. But what if you plan on working past 65? Should you enroll in Medicare, or can you delay your enrollment?Delaying Medicare enrollment can be a smart - [Millennial’s Guide to Buying Health Insurance](https://www.healthplansinoregon.com/a-millennials-guide-to-buying-health-insurance/) - Health insurance is a vital aspect of adulting, and as a millennial, it’s crucial to understand the ins and outs of this complex world. Navigating the intricacies of health insurance can be overwhelming, but fear not! This guide is designed to demystify the process and empower you to make informed decisions about your healthcare coverage. - [3 Tips On How To Find A Primary Care Physician](https://www.healthplansinoregon.com/3-tips-on-how-to-find-a-primary-care-physician/) - In search of a primary care physician who can provide you with quality healthcare services? Finding the right primary care physician is crucial for your overall well-being. They are the first point of contact for your healthcare needs and play a significant role in preventive care and managing chronic conditions. However, with so many options - [10 Medicare Myths Debunked: Separating Fact from Fiction](https://www.healthplansinoregon.com/10-medicare-myths-debunked/) - Medicare is a government-funded health insurance program that provides coverage to eligible individuals who are 65 years of age or older, or those who have certain disabilities or end-stage renal disease. Despite the program’s popularity and long-standing reputation, there are many misconceptions surrounding Medicare. In this article, we will debunk ten of the most common - [Medicare Vision Coverage – What’s Covered and What’s Not?](https://www.healthplansinoregon.com/medicare-vision-coverage-whats-covered-and-whats-not/) - Vision issues become more prevalent as you grow older, making proper healthcare coverage crucial. Medicare is a widely used insurance option among seniors, but the question remains: Does Medicare provide coverage for eye exams? The answer is YES, albeit with certain conditions and limitations. Does Medicare Cover Eye Exams?When it comes to Medicare, the scope of - [How to save on your monthly premium with a tax credit](https://www.healthplansinoregon.com/how-to-save-on-your-monthly-premium-with-a-tax-credit/) - Understanding How the Affordable Care Act’s Premium Tax Credit WorksThe Affordable Care Act (ACA) has played a crucial role in implementing tax subsidies, including the premium tax credit (PTC), which has been instrumental in helping individuals and families save money on their health insurance. To be eligible for this credit, individuals must enroll in ACA coverage - [Does Medicare Cover Dental?](https://www.healthplansinoregon.com/does-medicare-cover-dental/) - The answer is both yes and no. Generally, Original Medicare does not cover most dental care, and there are no stand alone dental plans available for purchase through Medicare. If you are seeking coverage for routine services such as teeth cleaning, X-rays, fillings, extractions, dentures, and others, Original Medicare does not provide coverage for these - [Do You Need a Health Insurance Agent?](https://www.healthplansinoregon.com/do-you-need-a-health-insurance-agent/) - Understanding the ins and outs of Original Medicare, Medicare Supplement Insurance plans, or Medicare Advantage plans can be a daunting task. When you’re initially exploring your Medicare options, the internet can serve as a valuable resource to gather information. Seeking advice from family members and friends who are already enrolled in Medicare can also provide - [How Can I Get Health Insurance If My Employer Doesn’t Offer It?](https://www.healthplansinoregon.com/how-can-i-get-health-insurance-if-my-employer-doesnt-offer-it/) - Health insurance is an essential aspect of financial planning and personal well-being. It provides a safety net for unexpected medical expenses and ensures access to quality healthcare services. However, not everyone has the privilege of employer-sponsored health plans. If you find yourself in a situation where your employer doesn’t offer health insurance, you might be - [What Does Medicare Cover for Alzheimer's Disease?](https://www.healthplansinoregon.com/what-does-medicare-cover-for-alzheimers-disease/) - June is an important month for raising awareness about Alzheimer’s disease and promoting brain health. It is recognized as Alzheimer’s and Brain Awareness Month, providing an opportunity to educate individuals about the impact of Alzheimer’s on seniors and their families. In this article, we will delve into the importance of Medicare coverage for Alzheimer’s patients, - [Will I receive extra benefits from a Medicare Advantage plan that I wouldn’t be able to get in Original Medicare?](https://www.healthplansinoregon.com/will-i-receive-extra-benefits-from-a-medicare-advantage-plan-that-i-wouldnt-be-able-to-get-in-original-medicare/) - Are you curious about the additional benefits that a Medicare Advantage plan can offer? In this comprehensive guide, we will explore the advantages of Medicare Advantage plans over traditional Medicare. Medicare Advantage plans, also known as Medicare Part C, are provided by private insurance companies approved by Medicare. These plans offer all the benefits of - [How to Pay Less with Health Insurance Premium Tax Credit](https://www.healthplansinoregon.com/how-to-pay-less-with-health-insurance-premium-tax-credit/) - Health insurance premiums can often be a significant expense for individuals and families. However, there is a way to reduce these costs and make healthcare more affordable. The Health Insurance Premium Tax Credit provides a financial subsidy to eligible individuals and families, helping them pay less for health insurance coverage. In this article, we will - [Find out if you’re eligible for an air conditioning unit](https://www.healthplansinoregon.com/air-conditioning-unit/) - High temperatures can pose serious risks, particularly for individuals with chronic medical conditions. In such cases, conventional methods of preventing heat-related illnesses may not suffice, and seeking refuge at cooling centers may not be feasible. An air conditioning unit is a great solution.The program offers the following benefits to individuals who are currently eligible or - [What Medicare Beneficiaries Need to Know About the End of the COVID-19 Public Health Emergency Rules](https://www.healthplansinoregon.com/what-medicare-beneficiaries-need-to-know-about-the-end-of-the-covid-19-public-health-emergency-rules/) - In the wake of the COVID-19 pandemic, Medicare beneficiaries have relied on various public health emergency rules to access necessary healthcare services. However, as the crisis subsides and the public health emergency comes to an end, it is vital for Medicare recipients to understand how these changes may impact their coverage and healthcare choices. In - [How to Get Health Insurance if You Retire Early](https://www.healthplansinoregon.com/how-to-get-health-insurance-if-you-retire-early/) - Retiring early is a dream for many individuals. The thought of leaving the daily grind behind and enjoying the freedom of retirement is enticing. However, early retirement often comes with concerns about health insurance coverage. Without the support of an employer-sponsored plan, individuals must navigate the complex world of health insurance on their own. In - [Medicare Supplement Plans in Oregon](https://www.healthplansinoregon.com/medicare-supplement-plans-in-oregon/) - Medicare Supplement Plans in Oregon StatisticsThere are 158,188 Oregon residents enrolled in an Oregon Medicare Supplement plan. Those 158,000+ beneficiaries mean that 30.6% of Oregon’s fee-for-service Medicare users also have a Medigap plan.Remember that NO Medicare Supplement covers prescription drugs, so if you need one, you may need to enroll in a Prescription Drug plan. What - [Medicare Advantage Plans in Oregon](https://www.healthplansinoregon.com/medicare-advantage-plans-in-oregon/) - Medicare Advantage Plans can be used in replace of Original Medicare that may offer more benefits that may not be covered by Original Medicare. It’s a type of a Medicare health insurance that’s government approved offered by private insurance carriers. There are different types of Medicare Advantage Plans in Oregon to suit different needs. Some health plans - [Affordable Health Insurance in Oregon](https://www.healthplansinoregon.com/affordable-health-insurance-in-oregon-get-free-local-help-today/) - Looking for affordable health insurance in Oregon for you and your family?You’re at the right place.Are you living in Oregon and in need of affordable health insurance? You’re not alone. The rising costs of healthcare have made it difficult for many people to access the care they need. But the good news is that there - [The Importance of Small Business Insurance In This Time And Age](https://www.healthplansinoregon.com/the-importance-of-small-business-insurance-in-this-time-and-age/) - Having a small business, you should do all you can to protect it. Risks don’t just pop up for large enterprises and big conglomerates. Even small yet successful businesses are prone to disasters. These emergency situations could strike at any moment and this is why it is important for you to have small business insurance - [Looking To Save Money on Health Insurance? Follow These Tips!](https://www.healthplansinoregon.com/looking-to-save-money-on-health-insurance-follow-these-tips/) - Are you looking for ways to save money on health insurance? With rising healthcare costs, it’s no surprise that many people are struggling to afford coverage. Everybody strives to get the best of their health care at affordable costs but health care is seldom affordable. Some of the family health insurance plans are one of - [Getting An Oregon Life Insurance Plan - How Does Your Health Affect It?](https://www.healthplansinoregon.com/getting-and-oregon-life-insurance-plan-how-does-your-health-affect-it/) - Your personal health has a huge impact on your policy performance, as it directly correlates with how long you are going to live. It’s easy, the longer you live the healthier you become. Oregon life insurance providers are keen to protect healthier individuals who are at low risk of early death. In the United States, - [Thinking About Vision Insurance? Here’s A Look at Its Benefits!](https://www.healthplansinoregon.com/thinking-about-vision-insurance-heres-a-look-at-its-benefits/) - You may assume that health insurance coverage requires vision insurance but many health policies do not include glasses, contacts or eye exams. Know more about your vision insurance benefits. A separate individual vision plan will fill the gap in coverage, but is it worth vision insurance? >>> Click here for explainer video Main Takeaways: Is - [Be More Diligent Of Your Lifestyle And Habits When Choosing An Individual Health Plan In Oregon](https://www.healthplansinoregon.com/choosing-an-individual-health-plan-in-oregon/) - When you are looking for the best individual health plan in Oregon, you will have to take into account several factors that are going to affect the cover you are able to get. Also, there will be numerous health factors that will directly impact the amount you have to pay at the end of - [The Basics of Medicare Part A Coverage](https://www.healthplansinoregon.com/the-basics-of-medicare-part-a-coverage/) - What is Medicare Part A? Typically, Medicare Part A is paid by Medicare taxes. So as long as you paid Medicare taxes while you were working, you shouldn’t have to pay a monthly premium for Part A Medicare coverage. If you don’t have enough work hours of 10 years’ worth or 40 quarters, you will - [Medicare Advantage vs Medicare Supplement | Which One is Right For You?](https://www.healthplansinoregon.com/medicare-advantage-vs-medicare-supplement/) - The truth is, you have to decide: Medicare Advantage vs Medicare SupplementOnce you qualify for Medicare, you have a very important ‘decision’ to make to enroll on either of these two: Medicare Advantage vs Medicare Supplement. These two plans are very different in what they cover and how much they cost. Medicare Advantage and Medicare Supplement are insurance plans that - [Cobra and Medicare](https://www.healthplansinoregon.com/cobra-and-medicare/) - Health insurance can be a confusing and frustrating topic for many people. Between navigating different plans, premiums, deductibles, and coverage, it’s no wonder so many people feel overwhelmed. This is especially true when it comes to Cobra and Medicare. In this article, we will break down what Cobra and Medicare are, how they differ, and how they - [How to Choose the Right Medicare Insurance Plan](https://www.healthplansinoregon.com/how-to-choose-the-right-medicare-insurance-plan/) - Medicare is a federal health insurance program that provides coverage to people who are 65 or older, younger people with disabilities, and those with End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS). Medicare consists of four parts: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage).When selecting the - [How to Decide Between Medicare Advantage and Medigap?](https://www.healthplansinoregon.com/how-to-decide-between-medicare-advantage-and-medigap/) - Turning 65 means you become eligible for Medicare, a federal health insurance program for senior citizens. Medicare offers two main options for coverage – Original Medicare and Medicare Advantage. However, Original Medicare does not cover all expenses. You may need additional coverage to pay for things like copays, deductibles, and coinsurance.To offset these expenses, many individuals opt - [Dual Eligible Medicare and Medicaid | What You Need To Know](https://www.healthplansinoregon.com/dual-eligible-medicare-and-medicaid/) - Dual Eligible Medicare and Medicaid is a program that provides healthcare coverage to individuals who are eligible for both Medicare and Medicaid. This program is designed to help people with low income and limited resources get the healthcare they need.If you’re one of the 12 million people in the United States who are eligible for both Medicare - [Discover your Medicare Plan Options in Oregon](https://www.healthplansinoregon.com/discover-your-medicare-plan-options-in-oregon/) - Medicare is a federal health insurance program that provides coverage to individuals who are 65 years or older, have a qualifying disability or those with end stage renal disease. Medicare coverage is broken down into different parts that cover different types of medical expenses. In Oregon, there are various Medicare options available, and it can - [Dual Eligible Beneficiaries are Losing OHP! Here's why.](https://www.healthplansinoregon.com/dual-eligible-beneficiaries-are-losing-ohp-heres-why/) - Medicare and Medicaid are two government programs that provide healthcare coverage to millions of Americans. Medicare is primarily designed for seniors over 65 and those with certain disabilities, while Medicaid is intended for low-income individuals and families. However, there are many people who are eligible for both programs, known as dual eligibles. For these individuals, Medicaid provides additional - [How Do I Qualify for Medicare and Oregon Health Plan?](https://www.healthplansinoregon.com/how-do-i-qualify-for-medicare-and-oregon-health-plan/) - Health Plans in Oregon has been helping Medicare beneficiaries in Oregon for over a decade and we’ve found that most people are confused on what Medicare is in relation to Oregon Health Plan (Medicaid) or are they one and the same?If you’re under 65 and do not have Medicare, then you may qualify for Oregon Health Plan - [Medicare Savings Program Eligibility and Coverage](https://www.healthplansinoregon.com/medicare-savings-program-eligibility-and-coverage/) - Medicare can be a significant financial burden for many Americans, especially those who are retired or living on a fixed income. Fortunately, the Medicare Savings Program (MSP) can help eligible individuals with their Medicare expenses. In this comprehensive guide, we will discuss everything you need to know about the Medicare Savings Program Eligibility and Coverage. What - [If you have MEDICARE and 100% OREGON HEALTH PLAN Coverage, OHP REDETERMINATION BEGINS APR 1!](https://www.healthplansinoregon.com/if-you-have-medicare-and-100-oregon-health-plan-coverage-ohp-redetermination-begins-apr-1/) - OHP Redetermination is the process that the Oregon Health Authority (OHA) uses to verify your current financial information to confirm that you are still eligible for the Oregon Health Plan (OHP).Before the COVID-19 public health emergency was declared in March 2020, OHA conducted eligibility checks every year. During the public health emergency, people were granted “Continuous - [What is Medicare Special Enrollment Period?](https://www.healthplansinoregon.com/what-is-medicare-special-enrollment-period/) - When it comes to healthcare, having the right coverage is essential. But what happens if you miss the enrollment period for Medicare? Fortunately, there is a solution: the Medicare Special Enrollment Period. This period allows individuals to enroll in or make changes to their Medicare coverage outside of the standard enrollment period.In this article, we’ll - [The Different Medicare Supplement Plans](https://www.healthplansinoregon.com/the-different-medicare-supplement-plans/) - Turning 65 means your healthcare becomes a top priority. You may be eligible for Medicare, but it doesn’t cover everything. That’s where Medicare Supplement Plans come in. Medicare supplement plans, also known as Medigap plans, are designed to fill in the gaps left by traditional Medicare.Let us break down the different Medicare supplement plans, what they cover, and - [8 Helpful Tips On How To Choose Health Insurance](https://www.healthplansinoregon.com/eight-helpful-tips-on-how-to-choose-health-insurance/) - Having a hard time getting your desired info on how to choose health insurance?Let us help you at once. Health plan coverage and cost can change year to year, and navigating them can be tricky, so it’s important to keep a few things in mind when deciding how to choose health insurance. Health Plans in - [How Can the Medicare Star Rating System Help You Choose an Advantage Plan](https://www.healthplansinoregon.com/how-can-the-medicare-star-rating-system-help-you-choose-an-advantage-plan/) - Choosing the right Medicare coverage can be daunting, especially if you’re turning 65 and new to Medicare. Many plans include “extra” benefits. There are also restrictions, costs, and coverage limitations. Fortunately, Medicare has implemented a star rating system to help you compare plans and make an informed decision. This article will discuss how to compare Medicare Advantage plans - [6 Steps to Financially Plan for a Disabled Loved One's Future](https://www.healthplansinoregon.com/6-steps-to-financially-plan-for-a-disabled-loved-ones-future/) - Having a disabled loved one can be a challenging experience, especially regarding financial planning. As a caregiver, it’s crucial to consider their long-term financial stability and ensure they are financially secure. The cost of living with a disability can be high, and it’s essential to be proactive in financial planning to ensure their needs are - [How to Compare Medicare Supplement Plans?](https://www.healthplansinoregon.com/how-to-compare-medicare-supplement-plans/) - In 2023, most seniors have access to 12 distinct Medicare Supplement (Medigap) plans. These options consist of ten standard Medigap plans and two high-deductible plans. In order to choose the most suitable plan for your needs, it is essential to compare all available options. Our Medicare Supplement plans comparison chart provides an easy-to-read breakdown of each - [What's New with insulin coverage in 2023?](https://www.healthplansinoregon.com/insulin-coverage-in-2023/) - With the implementation of the Inflation Reduction Act, diabetes patients are wondering what changes they can expect in their insulin coverage in 2023 With the constant evolution of the healthcare industry, it is important to stay informed about any updates that may impact your health and wellbeing. In this article, we will delve into the details - [How can Prescription Drug Changes in Inflation Reduction Act Affect Medicare Beneficiaries?](https://www.healthplansinoregon.com/how-can-prescription-drug-changes-in-inflation-reduction-act-affect-medicare-beneficiaries/) - Prescription drug costs have been a major concern for patients and healthcare providers in the United States. The rising cost of medications has made it increasingly difficult for people to access the treatments they need, leading to lower adherence rates and poorer health outcomes. In response to this issue, the U.S. government has introduced the - [You can Still Change Your Medicare Advantage Plan Today](https://www.healthplansinoregon.com/you-can-still-change-your-medicare-advantage-plan-today/) - Medicare Advantage Open Enrollment Period is here! Don't miss the deadline! Learn more about your options now. - [How Does Medicare Work with Medicare Advantage Plan?](https://www.healthplansinoregon.com/understanding-how-does-medicare-work-with-medicare-advantage-plan/) - Understanding how Medicare works with Medicare Advantage plans helps individuals make informed decisions about their health care coverage and how it impacts their out-of-pocket expenses, available providers, and covered services. Having a clear understanding of the difference between the two options can help individuals choose the option that best suits their healthcare needs and budget.Medicare - [Medicare 5 Star Ratings:  Why is it important?](https://www.healthplansinoregon.com/medicare-5-star-reviews-why-is-it-important/) - Medicare is a federal health insurance program that provides coverage for people turning 65 and older, as well as some younger people with disabilities. With a variety of plans and options available, it can be challenging to choose the right one. This is where Medicare 5 Star Ratings come in. What is Medicare 5-Star Ratings?Medicare came - [10 reasons why buying life insurance is important](https://www.healthplansinoregon.com/10-reasons-why-buying-life-insurance-is-important/) - In life, it is always better to be prepared for the unexpected. While it may be difficult to think about, purchasing life insurance is an essential step in securing your family’s financial future. In this guide, we will explore the top 10 reasons why buying life insurance is important. From providing financial security for your - [Medicare Special Needs Plans (SNP)](https://www.healthplansinoregon.com/medicare-special-needs-plans-snp/) - As we age, our healthcare needs may become more complex and unique. For people living with chronic conditions or disabilities, finding the right healthcare coverage can be challenging. That’s where Medicare Special Needs Plans (SNP) come in. Medicare SNP is a type of Medicare Advantage plan that provides tailored healthcare services to people with specific - [How Much Will Life Insurance Cost Me?](https://www.healthplansinoregon.com/how-much-will-life-insurance-cost-me/) - One of the most common questions people have when considering life insurance is, “How much will life insurance cost me?” While the answer depends on several factors, understanding the key elements that affect life insurance premiums can help you estimate the cost of coverage. In this article, we’ll explore the factors that impact life insurance - [5 Common Life Insurance Myths, Debunked](https://www.healthplansinoregon.com/5-common-life-insurance-myths-debunked/) - There are numerous myths about life insurance, probably because death – and the resulting life insurance claim – is not something most of us want to think about. So, to dispel these myths about life insurance and assist you in obtaining the coverage you require, we’ve created a simple life insurance myth-busting guide.Myth #1: I - [12 Final Expense FAQS Answered](https://www.healthplansinoregon.com/12-final-expense-faqs-answered/) - Final expense insurance is a type of insurance that pays for funeral costs or unpaid bills after a person passes away. Final expense policies usually are easier to qualify for than regular life insurance, and your monthly payment will likely increase as you get older. You usually pay a monthly premium until you die, at - [Save Money with the Inflation Reduction Act](https://www.healthplansinoregon.com/save-money-with-the-inflation-reduction-act/) - The Inflation Reduction Act is a measure designed to help individuals and families save money on their health insurance premiums. With the cost of healthcare continuing to rise, the Inflation Reduction Act is intended to provide relief to those who are struggling to keep up with the rising costs of health insurance. This act works - [How Do I Compare Medicare Plans?](https://www.healthplansinoregon.com/how-do-i-compare-medicare-plans/) - Choosing a Medicare plan can be an overwhelming and confusing process, particularly for those who are turning 65 and new to Medicare. There are a lot of factors to consider, including premiums, deductibles, copayments, and coverage options. But with a little bit of research and some guidance, you can find the plan that best fits - [Medicare and Veterans Affairs Benefits](https://www.healthplansinoregon.com/medicare-and-veterans-affair-benefits/) - As you approach retirement age, you may be wondering about the different types of benefits available to you. Two of the most popular programs are Medicare and Veterans Affairs benefits. Medicare is a federal health insurance program for those aged 65 and over, while VA benefits are available to veterans who have served in the - [Medicare Plan Annual Notice of Change](https://www.healthplansinoregon.com/medicare-plan-annual-notice-of-change/) - Sort through your mail and email if you have a Medicare Advantage plan or a Part D prescription medication coverage. Your insurance provider must give you a Medicare Plan Annual Notice of Change (ANOC) letter in September. You should read it attentively even though it may appear like just another dull piece of mail because it - [What are Health Insurance Marketplace Plans?](https://www.healthplansinoregon.com/what-are-health-insurance-marketplace-plans/) - Few things in life are more important than health insurance. Sadly, most of us find the process of obtaining and using health insurance overwhelming. “Do I need health insurance?” is an important question to consider as the Annual Enrollment Period (AEP) draws near. The AEP enrollment period for most states runs from November 1 through - [Medicare AEP 2023: The Do's and Don'ts](https://www.healthplansinoregon.com/medicare-aep-2023-the-dos-and-donts/) - Before you know it, it will be time for Medicare’s Annual Enrollment Period (AEP). AEP is your opportunity to enroll in or make adjustments to your Medicare Advantage or Part D prescription medication plan for the upcoming year, beginning on October 15 and extending until December 7. Therefore, it’s very important to prepare for this - [Here are some Changes to Medicare Benefits in 2023](https://www.healthplansinoregon.com/here-are-some-changes-to-medicare-benefits-in-2023/) - Medicare beneficiaries will experience several changes to Medicare benefits in 2023. Some of them relate to Medicare Advantage and Medicare Part D, the two plans that beneficiaries can switch from October 15 to December 7 during the annual enrollment period.What is the Part B premium in 2023? Part B is the main component of original Medicare that covers doctor’s - [2023 Medicare AEP FAQs](https://www.healthplansinoregon.com/2023-medicare-aep-faqs/) - AEP for 2023 Medicare coverage started on Saturday, October 15th and will last until December 7. During AEP, beneficiaries can examine and change their Medicare coverage options, including Original Medicare, Medicare Advantage, and prescription drug plans. Consider your health, lifestyle, and financial requirements when you review your plan to see whether it would be best to stick with - [Fixing the "Family Glitch": Enabling Families to Pay Less for Health Insurance Premiums](https://www.healthplansinoregon.com/fixing-the-family-glitch-enabling-families-to-pay-less-for-health-insurance-premiums/) - Key Takeaways:The federal government issued a regulation that took effect on December 12, 2022. It resolved the “family glitch”.This rule prevented the family members of millions of workers from purchasing affordable health insurance through the marketplace.Millions of Americans may now qualify for ACA coverage and financial help.Almost half of those eligible are low-income workers’ families.What - [Original Medicare and Medicare Advantage: Which one do I have?](https://www.healthplansinoregon.com/original-medicare-and-medicare-advantage-which-one-do-i-have/) - Original Medicare and Medicare Advantage are two different types of medical insurance offered by the federal government for those who are 65 or older. They are also available for some people with disabilities.Both options provide coverage for doctor visits, hospital stays, and other medical expenses. But they differ in terms of plan network, monthly premiums, - [Medicare Premium Surcharges in 2023: What you need to know and 10 Best Ways to Avoid IRMAA](https://www.healthplansinoregon.com/medicare-premium-surcharges-in-2023-what-you-need-to-know-and-10-best-ways-to-avoid-irmaa/) - While some may consider paying a Medicare Premium Surcharges a sign of financial stability, it can actually be a significant burden for households already facing the cost of Medicare. However, there are ways to potentially avoid this added expense.Key Takeaways:IRMAA is an additional fee that high-earning Medicare beneficiaries must pay each month.The 2023 IRMAA is based - [How to Choose the Right Medicare Advantage Plan for You](https://www.healthplansinoregon.com/how-to-choose-the-right-medicare-advantage-plan-for-you/) - Learn how to choose the right Medicare Advantage Plan for you by considering your health needs, budget, and additional coverage options. - [COBRA in Oregon](https://www.healthplansinoregon.com/cobra-in-oregon/) - What is COBRA?The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that allows certain employees and their dependents to continue their group health insurance coverage even after their employment has ended. COBRA provides a safety net for those who lose their jobs or experience other qualifying events that would otherwise result in the - [5 Ways for Seniors to Reduce the Prescription Drug Costs](https://www.healthplansinoregon.com/5-ways-for-seniors-to-reduce-the-prescription-drug-costs/) - As inflation reaches unprecedented levels, many Americans feel the financial strain of not only the increasing costs of gas and food, but also the cost of prescription drugs. For seniors, the expenses associated with much needed medication can be a monthly challenge that people need support with. That is why it is important for us - [How does Final Expense Insurance Work?](https://www.healthplansinoregon.com/how-does-final-expense-insurance-work/) - Final Expense Insurance ( also known as Burial or Funeral Insurance) is a whole life insurance policy with a lower death benefit. This is usually intended to cover final expenses and burial costs. This coverage is tailored to help older adults aged 50 years old and older who are set to make end-of-life plans. This - [Your Ultimate Guide To Medicare in Oregon](https://www.healthplansinoregon.com/your-ultimate-guide-to-medicare-in-oregon/) - Are you Medicare ready? Starting Medicare? You are likely eligible if… You’re turning 65. You have been on Social Security Disability benefits for more than 24 months. You have a chronic condition or end-stage renal disease. How much is it? Most people don’t pay a monthly premium for Part A. The standard Part B premium for - [Find Cheap Health Insurance Plans](https://www.healthplansinoregon.com/cheap-health-insurance-plans/) - It’s hard to find efficient but cheap health insurance plans. But no need to worry, Health Plans In Oregon will help you select the best cheap health insurance plans that will suit your needs and budget. Do you have to pay us? No. Since 2006, we help people in getting cheap health insurance plans, our - [Medicare Vs Private Health Insurance: What's The Difference?](https://www.healthplansinoregon.com/medicare-vs-private-health-insurance-whats-the-difference/) - You may have noticed that Medicare health insurance is different from other private health insurance that you have had before. And these plans most likely included prescription and medical coverage altogether. And in case you had health insurance through work, you had dental and vision coverage. Here’s a list of few points that may help - [Children’s Eye Health Awareness Month | August](https://www.healthplansinoregon.com/august-is-childrens-eye-health-awareness-month/) - It is time to make a comprehensive eye exam appointment for your kids. The school year is about to begin. It’s another time to buy school supplies and clothing items. However, it is also the time of the year when you have to pay attention to your children’s eye health. August marks the Children’s Eye - [Health Insurance for Self-Employed Individuals](https://www.healthplansinoregon.com/what-the-self-employed-should-know-about-health-insurance/) - Health Plans in Oregon will help you achieve the best health plan even if you are not working for an employer. Our goal is to help people get covered at any given time and situation through free assistance. Are you self-employed? Here is a quick summary of how ObamaCare’s changes to health insurance for self-employed - [Summer Health Tips – Fun Under the Sun](https://www.healthplansinoregon.com/summer-health-tips/) - Summer has always been fun! It’s the time of the year again where its best to hangout outdoors with family and friends and savor the warmth of the sun. However, our skin deserves the right amount of care. That’s why we’ve come up with the best list of summer health tips for everyone. Summer Health - [Summary of Benefits and Coverage | Know Your Health Plan](https://www.healthplansinoregon.com/summary-of-benefits-and-coverage-know-your-health-plan/) - The Summary of Benefits and Coverage (SBC) is an easy-to-understand breakdown of your benefits and coverage. This document is from your health insurance company. If you have a health care plan, you’ll get a copy of it in order for you to make clear comparisons when you’re looking at plans. Since every company has to - [Private Health Insurance Enrollment in Oregon](https://www.healthplansinoregon.com/private-health-insurance-enrollment-in-oregon/) - Have you wondered why thousands of Oregonians remain uninsured?One of the reason is because they failed to enroll for private health insurance during the open enrollment period. And that’s just sad. Many are now facing the consequences for their inaction by experiencing thousands upon thousands of dollars in mounting medical bills that must be paid - [Premium Assistance Program with Project Access Now](https://www.healthplansinoregon.com/premium-assistance-program-with-project-access-now/) - Health Plans In Oregon works with Project Access NOW Health Plans In Oregon has been aiding in Project Access NOW — Premium Assistance Program — which leverages the tax credits and cost-sharing reductions available to participants to pay the balance of the premiums for the medical and dental plans they’ve selected. The participants of the - [Preventive Care Benefits | Covered By Your Health Plan](https://www.healthplansinoregon.com/preventive-care-benefits-covered-by-your-health-plan/) - Most health plans cover preventive care services. You may not know it but most health plans give you access to preventive care services without charging you a copayment or coinsurance. These health services are free and delivered by a physician or other provider in your plan’s network. What exactly is preventive care? This includes health - [Points To Consider Before Buying Health Insurance](https://www.healthplansinoregon.com/points-to-consider-before-buying-health-insurance/) - Life is full of complexities and one of those is medical emergencies. With the rising cost of healthcare, it’s almost necessary to purchase a health insurance policy. But, with so many choices available, choosing an insurance policy that will work just fine for you can get complicated. Don’t worry, we have made this easier for - [Mental Health Care within Marketplace Plans](https://www.healthplansinoregon.com/mental-health-care-within-marketplace-plans/) - Mental Health Care - Are you covered? Together with substance abuse services and other essential benefits listed below, marketplace plans cover mental health care – this includes behavioral treatment, mental in-patient services and substance use disorder treatment. List of essential health benefits that are covered by Marketplace plans: Take note that Health Insurance Marketplace plans - [Medical Insurance Terms | Simplified For Consumers](https://www.healthplansinoregon.com/medical-insurance-terms-simplified-for-consumers/) - Are you a smart consumer? Of course, most of us are! From all the supermarket discounts up to the best deals on purchasing clothes and other things we usually buy, we always tend to be smart shoppers. But unfortunately, this isn’t always the scenario when we shop for healthcare products. This is the reason why - [Mailbox Alert! Look for Form 1095-A](https://www.healthplansinoregon.com/mailbox-alert-look-for-form-1095-a/) - Have you had 2022 health coverage through the Health Insurance Marketplace?If so, then you must look for Form 1095-A. This form provides information about your insurance policy, your premiums (the cost you pay for insurance) and the people in your household covered by the policy.This usually comes in the mail by mid-February, being sent to - [January | Cervical Health Awareness Month](https://www.healthplansinoregon.com/january-cervical-health-awareness-month/) - Why should you be aware? Cervical cancer is not uncommon. In fact, nearly 13,000 women in the United States are diagnosed with cervical cancer each year. While the National Cervical Cancer Coalition (NCCC) and the American Sexual Health Association (ASHA) spreads awareness throughout the year, January is spent to celebrate Cervical Health Awareness Month. This - [June is Men’s Health Month](https://www.healthplansinoregon.com/june-is-mens-health-month/) - What is it about? This month of June marks Men’s Health Month. It is dedicated to enhancing awareness for men’s health and wellness. This is made possible through several educational campaigns, health fairs and screenings done all throughout the country. Men’s Health Month gives health care providers, all sorts of media, and individuals an opportunity - [Is Health Insurance Tax Deductible for Self-employed?](https://www.healthplansinoregon.com/is-health-insurance-tax-deductible-for-self-employed/) - The Internal Revenue Service states that tax deduction is generally available to people who are self-employed.So, the answer to the question “Is health insurance tax deductible for self-employed?” is yes. The deduction is for medical, dental or long-term care insurance premiums that self-employed people often pay for themselves, their spouse and their dependents.Basically, “Deduction” for - [Independent Health Insurance Agents – Help at No Cost](https://www.healthplansinoregon.com/independent-health-insurance-agents/) - Personal Assistance from Your Independent Health Insurance Agents There’s no better and easier way than to talk to someone who knows. With Health Plans in Oregon, your trusted health insurance agency, you can be sure that you’ll get free assistance from reliable experts – independent health insurance agents. We do this by offering information to - [How to Pay Health Plan Premium](https://www.healthplansinoregon.com/how-to-pay-health-plan-premium/) - Now that you’re enrolled on your health insurance plan, dental or vision, please make sure to make a payment before Jan. 1st. Take note that you must pay your monthly premium for your coverage to start. Below is a list of phone numbers and links available to you when making a payment for your health - [How to calculate modified adjusted gross income](https://www.healthplansinoregon.com/how-to-calculate-modified-adjusted-gross-income/) - Modified Adjusted Gross Income (MAGI) is essential when determining your eligibility for certain tax benefits and credit programs. MAGI calculates your income tax liability and determines your eligibility for certain tax credits and deductions, such as the Earned Income Tax Credit (EITC) and the Child Tax Credit. In this article, we will explain how to calculate - [How to Choose an Individual Health Insurance in Oregon](https://www.healthplansinoregon.com/how-to-choose-an-individual-health-insurance-plan-in-oregon/) - Health insurance is one of the most significant investments which you can make over the year. It has never been easy to compare health benefits and find quotes and details about individual health insurance in Oregon. Even if you and your loved ones are in good health, the program you chose will affect your financial - [How Can I Save Money On My Health Insurance Plan?](https://www.healthplansinoregon.com/how-can-i-save-money-on-my-health-insurance-plan/) - Want to save the health insurance money? You are not alone. For most of us, the cost of health care continues to increase each year, and saving money on health insurance seems constantly out of control. In 2019, annual premiums for health coverage for a family of four cost $20,576, but employers picked up 71% - [Healthcare Solutions since 2006 | Insurance Experts | Oregon](https://www.healthplansinoregon.com/healthcare-solutions-insurance-experts-since-2006-oregon/) - Looking for a personal insurance expert at no cost? You can have it. Health Plans In Oregon has been providing healthcare solutions at no cost to Oregonians for more than a decade now. Our dedicated insurance agents will guide you through the loops of confusing insurance industry. Moreover, you can schedule an appointment with us - [Health Insurance Quotes in Oregon](https://www.healthplansinoregon.com/health-insurance-quotes-in-oregon/) - Health Insurance Quotes in OregonAlmost 83% of residents living in Oregon have their health insurance. But with more than 17% residents without health insurance, the state is considered to be below the country’s average. This implies that they need to improve their insurance coverage percentage. The rates of uninsured residents have been rapidly increasing for - [Health Insurance Annual Open Enrollment Period](https://www.healthplansinoregon.com/health-insurance-annual-open-enrollment-period/) - Health Insurance Annual Open Enrollment Period starts November 1 for the entire country. Some states will be using their own state’s health insurance marketplace, but most, such as Oregon will be using the federal Insurance Marketplace just like last year. As most of you may already know, insurance premiums in general have gone up across - [Health Insurance in Oregon 2018 Price Hike](https://www.healthplansinoregon.com/health-insurance-2018-price-hike/) - You probably all know that Health Insurance in Oregon has gone through annual price hikes over the past years. You probably all know that Health Insurance in Oregon has gone through annual price hikes over the past few years. But the proposed 2018 rates are not as bad as we expected them to be. The - [Having a Primary Care Physician | Why Does It Matter?](https://www.healthplansinoregon.com/having-a-primary-care-physician-why-does-it-matter/) - First of all, what is a Primary Care Physician? Your Primary Care Physician (a.k.a. primary care provider) is someone responsible for dealing with the majority of your health care issues. In a nutshell, he/she is considered your main doctor. In the past, they are called family doctors who keeps the family’s medical history of common - [FamilyCare: Remaining Health Plans To End on June 30](https://www.healthplansinoregon.com/familycare-remaining-plans-to-end-on-june-30/) - As a Coordinated Care Organization, FamilyCare paved the way to affordable, high-quality medical care with its mission of “Creating Healthy Individuals through Innovative Systems”. It has provided integrated patient-centered care to approximately 115,000 Oregonians covered by Oregon Health Plan/Medicaid.They also offer Medicare Advantage plans with one-on-one care and service. However, it has been authorized to - [Factors That Can Affect Your Healthcare Premium](https://www.healthplansinoregon.com/factors-that-can-affect-healthcare-premium/) - Perhaps you have already purchased a health insurance plan or currently on this process, so you wanted to know more about healthcare premium.We buy health insurance to protect ourselves from financial strain. The goal is to have lower out-of-pocket expenses. Consumers buy insurance to limit their risk of having to pay high out of pocket - [Cost Sharing Reductions Made Simple](https://www.healthplansinoregon.com/cost-sharing-reductions-made-simple-for-you/) - Cost Sharing Reductions are…– forms of federal subsidy given out as discounts that help reduce out-of-pocket costs for health-care expenses — including deductibles, copayments and coinsurance. This can only be obtained with a Silver-level plan. Moreover, it is for individuals and families with income between 100 percent and 250 percent of the FPL (federal poverty - [Compare Health Insurance Plans](https://www.healthplansinoregon.com/compare-health-insurance-plans/) - To be able to save on money, you should be able to know how to compare health insurance plans.There are lots of pages where you can compare health insurance plans online. However, the results cannot give full information of each health insurance plan that you’re looking at. Most people find it frustrating when they have - [Careoregon GoMobile Enrollment Events](https://www.healthplansinoregon.com/careoregon-gomobile-enrollment-events/) - Careoregon GO Mobile Enrollment Events Anyone that may need help with OHP, Medicare, health insurance, enrollment and navigation. CareOregon goMobile are pop-up clinics around Portland. They're open to anyone in need of healthcare. They can resolve issues such as: address changes, CCO assignment, immediate OHP enrollment (via Community Assistors nor Partners), Medicare enrollment, Dental, Mental - [Basics of Medicare](https://www.healthplansinoregon.com/basics-of-medicare/) - At Health Plans in Oregon, We Make Medicare Simple Medicare is as easy as ABC! So… what exactly is Medicare? Medicare is the federal health insurance program for people who are 65 or older and for certain younger people with disabilities. So now, let me tell you how Medicare works. We have four parts of Medicare : We have Parts A, B, - [Avoiding Financial Trouble | Importance of Health Insurance](https://www.healthplansinoregon.com/avoiding-financial-trouble-the-importance-of-health-insurance/) - First and foremost, you must know what health insurance is.Health insurance or health care plan is a type of insurance policy that covers the expenses of your medical treatment and more. The range of coverage depends on what type of health care policy you are picking. Generally speaking, the importance of health insurance is that - [Autumn Safety Tips For You And Your Family](https://www.healthplansinoregon.com/autumn-safety-tips-for-you-and-your-family/) - Summer’s almost gone and fall is on its way. Like most people, fall is my favorite season of the year. Color-changing leaves are everywhere which set the mood for cozying up indoors or going out for a drive to experience the picturesque surroundings. However, with all these wonderful things comes the potential for danger as - [August is National Immunization Awareness Month](https://www.healthplansinoregon.com/august-is-national-immunization-awareness-month/) - What is it about? This month of August marks National Immunization Awareness month. It is dedicated to highlight the importance of vaccination for people of all ages. This is made possible through communications toolkit provided by NIAM. National Immunization Awareness month gives health care providers the public key messages, vaccine information, sample news releases and - [What is Special Enrollment Period?](https://www.healthplansinoregon.com/what-is-special-enrollment-period/) - Are you still able to enroll under certain life events or special enrollment period? Special enrollment period can be a literal lifesaver for some people. We want to make sure you can get covered, even with recent changes in legislation. Open enrollment has since passed but some life events can qualify you to modify or - [There Is Help Available For Health Premiums](https://www.healthplansinoregon.com/there-is-help-available-for-health-premiums/) - There is more help offered for health premiums than what you may actually know. Health Plans in Oregon is here to give all possible assistance available to you. Yes, you have options and we can help. “Even if you already have insurance, take some time during open enrollment to look at all of your options - [Save On Prescription Drugs | Medicare Open Enrollment](https://www.healthplansinoregon.com/save-on-prescription-drugs-medicare-open-enrollment/) - One way to save money is to save on prescription drugs. Health Plans in Oregon will help you assess your medical needs and make sure that you get the maximum benefits of your plan. Want to save on prescription drugs? When comparing health coverage you should take into account coverage on generic especially more expensive - [Review Your Options | Medicare Open Enrollment](https://www.healthplansinoregon.com/review-your-options-medicare-open-enrollment/) - Reviewing health plan options doesn’t stop when you already have one. In fact, you should continue looking for options most especially if there are plenty of options in the Marketplace. As your trusted health insurance agency, we strive to give you the best options available in the market that are suited to your lifestyle and - [Oregon Health Plan and Medicare by Dianne Faligowski](https://www.healthplansinoregon.com/oregon-health-plan-and-medicare-by-dianne-faligowski/) - Medicare is a federal health insurance program for people who are 65 or older, people with certain disabilities, and people with End-Stage Renal Disease (ESRD). Oregon Health Plan (OHP) is a state-run health insurance program that provides coverage to low-income individuals and families who meet certain eligibility requirements. Both Medicare and OHP offer coverage for - [Part C and Part D Cover Additional Services | Medicare Open Enrollment](https://www.healthplansinoregon.com/parts-c-and-d-cover-additional-services-medicare-open-enrollment/) - Understanding Medicare Part C and Part D is as easy as ABC! Health Plans in Oregon will provide you all the information you need when it comes to Medicare and any other health insurance plans. Parts C and D Cover Additional Services | Medicare Open Enrollment Over 14 million individuals who are enrolled in Medicare - [Health Plans In Oregon – Your Guide To Oregon Health Insurance](https://www.healthplansinoregon.com/oregon-health-insurance/) - Who’s your guide in choosing Oregon health insurance?– You’ve found it!Oregon health insurance has been made easy and affordable by Health Plans In Oregon over the years. We provide help throughout Oregon, California, Washington, Texas, Arizona and Nevada at no cost. Many people have been given overall help in getting the most affordable health insurance - [Many Preventive Services Are Free | Medicare Open Enrollment](https://www.healthplansinoregon.com/many-preventive-services-are-free-medicare-open-enrollment/) - Ask for free preventive services available to you. Health Plans in Oregon is always here to give beneficial information to you at no cost. Be wise, ask your trusted insurance agent about Free Preventive Services. When comparing plans it’s important to keep in mind many plans offer many preventative services with no cost to you! That - [Looking for a suitable Vision Insurance? Tips to choose the best plan](https://www.healthplansinoregon.com/looking-for-a-suitable-vision-insurance-tips-to-choose-the-best-plan/) - It is never too late to get vision insurance in Oregon. You can also get it with your existing health insurance plan. What are the benefits of getting a vision insurance plan? Well, there are a number of benefits that you can avail of by getting vision insurance. However, it all depends on how much - [Look Past Premiums | Medicare Open Enrollment](https://www.healthplansinoregon.com/look-at-past-premiums-medicare-open-enrollment/) - Premiums are just a small chunk of your entire health care costs. Health Plans in Oregon is here to guide you in comparing health insurance plans. Look At Past Premiums Name Email Message Send *By completing this form, you agree that an authorized representative or licensed insurance agent may contact you by phone,email,text, mail or face - [Limits On Out Of Pocket Costs | Medicare Open Enrollment](https://www.healthplansinoregon.com/limits-on-out-of-pocket-costs-medicare-open-enrollment/) - You can benefit from being knowledgeable on the money you spend for your health plan. Limits on out-of-pocket costs can be fully explained to you by your trusted health insurance agency, Health Plans in Oregon. Our service is at no cost to you. Limits on out-of-pocket costs When comparing health plans you should look into limits - [Lifewise Health Plan of Oregon to Exit in 2017](https://www.healthplansinoregon.com/lifewise-health-plan-of-oregon-exits-in-2017/) - Oregon is losing yet another health insurance carrier. Lifewise Health Plan of Oregon, citing mounting losses in the state, says it will cease doing business in Oregon by the end of 2016. At one time, Lifewise was one of the largest insurance carriers in the state. It had over 163,000 members in 2004. This figure - [How To Pick Health Insurance That’s Right For You](https://www.healthplansinoregon.com/how-to-pick-health-insurance/) - Wondering if there are ‘hacks’ on how to pick health insurance that suits you?Of course, there are! You just got to listen to legit experts. You can hear advise from some people you know for tips on how to pick health insurance. But you should also know that there is an expert help that you - [How Do I Sign Up For Medicare?](https://www.healthplansinoregon.com/how-do-i-sign-up-for-medicare/) - Let us answer your query on — How do I sign up for Medicare? You may have a lot of questions but let us start by letting you know that in most situations, you may qualify for Medicare if you are 65 or older. How Do I Sign Up For Medicare? – Here are some - [Health Plans in Oregon: Health Insurance Assistance](https://www.healthplansinoregon.com/health-plans-in-oregon-heath-insurance-assistance/) - Are you looking for the most affordable health insurance that fits your needs and lifestyle? Health Plans in Oregon can absolutely help you! Let’s start by knowing what is Health Plans in Oregon. Health Plans in Oregon is one of the 24 Oregon insurance agencies selected by the Department of Consumer and Business Services. - [Health Insurance Marketplace Income Eligibility](https://www.healthplansinoregon.com/health-insurance-marketplace-income-eligibility/) - Most Oregonians that enroll through the Health Insurance Marketplace healthcare.gov qualify for financial assistance to reduce the monthly cost to help pay for your health plan. In 2020, there’s an average subsidy of $451 per month. Click here to find out how much subsidy you may qualify for: GET A QUOTEWant to know how you - [Health Insurance for Unemployed](https://www.healthplansinoregon.com/health-insurance-for-unemployed/) - Are you unemployed? You may be wondering what your options are. Luckily, there are a few different types of plans that are available to unemployed individuals. In this blog post, we will discuss the best plans for unemployed individuals. We will also provide some tips on how to get the most out of your plan. - [Health Care Tips For The Unemployed](https://www.healthplansinoregon.com/health-care-tips-for-the-unemployed/) - Got no job? Self-employed? No need to worry, Health Plans in Oregon is here to help you get the coverage suited for any situation. Our service is at no cost to you.Are you unemployed and finding health insurance?These will surely help:Scope out Obamacare for deep discounts.Poblete notes that 17 million people are estimated to qualify - [Get Low Cost Life Insurance – It’s Never Too Early](https://www.healthplansinoregon.com/get-low-cost-life-insurance/) - It is often taking a back seat. Securing our future is often delayed because on some young people’s minds, what matters is what we can buy and use for “now”. After finishing a college degree and finding a job, we tend to splurge on things that we think we need at present time instead of - [Buy Dental Insurance – Affordable and Efficient](https://www.healthplansinoregon.com/cover-oregon-health-and-dental-plan-options/) - Looking to buy Dental Insurance?We have the most major dental insurance carriers in Oregon so we can offer you a dental plan that fits your needs and your dentist. Buy Dental Insurance that’s efficient yet affordable. Dental plans are designed to pay a portion of the costs associated with dental care and oral health.Health Plans - [Benefits of Affordable Care Act/Obamacare in Oregon](https://www.healthplansinoregon.com/benefits-of-affordable-care-actobamacare-in-oregon/) - It does not matter where you live – you can be eligible for a tax credit on your health care costs.The insurance reforms of the Affordable Care Act provide tax provisions for individuals, families, businesses, and many more. Read further and discover the benefits of Affordable Care Act. The law sets certain standards that all - [Affordable Dental Care – Get Yours Now](https://www.healthplansinoregon.com/affordable-dental-care-get-yours-now/) - You may be holding off…Getting dental insurance is not something everyone is eager to get. However, dental emergencies and problems are most likely to happen to each and every one of us, and that is certain. It is one thing that’s inevitable since our teeth are delicate and wears off through time. The good thing - [Have you heard the news? | Oregon Health Plans](https://www.healthplansinoregon.com/8171-2/) - We would like you to be informed!Here are vital notifications you should know with regard to Oregon health plans 2018. We, at Health Plans In Oregon, would like to keep you posted – so here are they:Federal Government Will No Longer Support Cost-sharing Reduction (CSR) in 2018.Due to this, the Department of Consumer and Business Services - [2022 Insurance Marketplace Special Enrollment](https://www.healthplansinoregon.com/2022-insurance-marketplace-special-enrollment/) - Great News! There’s a new Special Enrollment Period (SEP) available to lower-income Oregonians allowing you to enroll in Marketplace coverage all year round. People who are eligible for this SEP can enroll in a health plan or switch health plans without needing to have a qualifying event. Consumers who qualify for this SEP may also - [Get Life Insurance with Living Benefits](https://www.healthplansinoregon.com/get-life-insurance-with-living-benefits/) - Are you financially ready when an illness strikes?There are things your health insurance policy doesn’t cover such as non-medical expenses – mortgage, car, groceries, etc. Life insurance with living benefits will help you fill those gaps and comes right in when you need it the most.Why buy life insurance with living benefits?A typical life insurance gives - [Join Integrity Gives Back Toy Drive](https://www.healthplansinoregon.com/join-integrity-gives-back-toy-drive/) - Make this year’s Christmas merry and bright for children in need.Integrity is in full swing, and it’s ready to help bring more presents to more kids this holiday season than ever. We want to make a difference and support children and families in need. Integrity has been collecting presents for children for years, but let’s - [Affordable Care Act](https://www.healthplansinoregon.com/affordable-care-act/) - What is Affordable Care Act?The name Affordable Care Act or ACA is the name used to refer to the final, amended version of the comprehensive health care reform law and its amendments. The law addresses health insurance coverage, health care costs and preventive care.If we used a certified agent, will that cost me extra?No. Our - [IMA Holiday Party and Toy Drive](https://www.healthplansinoregon.com/ima-holiday-party-and-toy-drive/) - Our Health Plans in Oregon team celebrates this season, sharing love and joy through a Toy-drive project and had fun during the Holiday get together.Indeed, it’s the most wonderful time to bring the JOY back in this season of GIVING and share special moments with friends and family!✨We share with you our warmest wishes for - [New Medicare Card -- Check Your Mail](https://www.healthplansinoregon.com/new-medicare-card-check-your-mail/) - If you have Medicare, a new Medicare card will be sent to you any time soon. As mandated in congress in 2015, the Centers for Medicare & Medicaid Services will be mailing out new identification card (new Medicare card) to all Medicare recipients, which is approximately 58.5 million, by April 2019. The new card will - [How Do I Find The Most Affordable Health Plan Premium](https://www.healthplansinoregon.com/how-do-i-find-the-most-affordable-health-plan-premium/) - Next year healthcare premiums are going up an average of 25% nationally, but that increase greatly depends on where you live. Not only do the increases depend on where you live but also what plan you have. Some states and plans are actually seeing decreases because those markets are more competitive.Call Health Plans in Oregon at 503-928-6918 to find - [Repeal and Replace Obamacare](https://www.healthplansinoregon.com/repeal-and-replace-obamacare/) - What’s New?You probably heard of the new healthcare bill also known as AHCA, to replace Obamacare or Affordable Care Act (ACA). Just recently, due to some delays in approving the new healthcare bill, the Republican Senators couldn’t come up with a new better solution, to repeal and place Obamacare without any replacement. It has been a - [Still Need to Enroll on Health Insurance?](https://www.healthplansinoregon.com/still-need-to-enroll-on-health-insurance/) - Health Plans In Oregon provides free consultation. As your personal health insurance adviser, we will personally guide you through the confusing world of insurance. Saving you hundreds to thousands of dollars is what we do best. Free Assistance -- Enroll on Health Insurance Thousands of Oregonians remain uninsured. It is because they failed to enroll - [Enrollment Events](https://www.healthplansinoregon.com/enrollment-events/) - Make informed choices on Medicare & Health Insurance now.Health Plans In Oregon has been helping people with regards to Medicare and Health Insurance options since 2006. Owned by Insurance Marketplace Agency, it is one of 24 Oregon insurance agencies selected by the Department of Consumer and Business Services, Oregon Health Insurance Marketplace to help people - [What is Health Insurance Marketplace | What you need to know](https://www.healthplansinoregon.com/what-is-health-insurance-marketplace-what-you-need-to-know/) - What is Health Insurance Marketplace? A Brief Explanation:Since 2014, Affordable Care Act have set up Health Insurance Marketplace where people can shop for health insurance. It is regulated and subsidized by the government with different levels of coverage and tiers offered to small businesses, individuals and families without health insurance. As presumed, the presence of this government-regulated health - [5 Medicare Myths - The Truth About Medicare](https://www.healthplansinoregon.com/medicare-myths/) - When you turn 65, you are finally eligible for Medicare coverage. Unfortunately, understanding Medicare coverage is not as easy as getting to your 65th birthday. Medicare is one of those things that is always talked about but rarely completely understood. Because of this, many people have misconceptions and Medicare myths truly exist. One of these - [95 Percent Oregon: Diane G ACA Success Story](https://www.healthplansinoregon.com/diane-g-aca-success-story/) - “I could pay for a few doctors visits perhaps, but what if something went wrong with one of my hip replacement?” --Diane G A former employer, Diane was used to paying health insurance premiums for her employees. When her circumstances changed, the Health Insurance Marketplace was there to back her up. Diane G ACA - [95 Percent Oregon: Ray ACA Success Story](https://www.healthplansinoregon.com/ray-t-aca-health-insurance-success-story/) - “The Marketplace has just done wonderful things for me. They've helped me a lot.” --Ray T Life had many surprises in store for Ray, one of which was a back injury that has made his health coverage more important than ever. ACA Success Story Oregon struggled with a high un-insurance rate before Congress passed - [Changes To Affordable Care Act](https://www.healthplansinoregon.com/changes-to-affordable-care-act/) - At Health Plans in Oregon, We Want To Get You CoveredChanges to Affordable Care ActHealth Insurance can be a literal lifesaver for some people. We want to make sure you can get covered, even with recent changes in legislation.There have been some major changes to the Affordable Care Act recently by Congress. If you are confused - [Health Plans In Oregon Featured On 95%](https://www.healthplansinoregon.com/health-plans-in-oregon-featured-on-95/) - Health Plans In Oregon Featured On 95% At Health Plans In Oregon, we are dedicated to making sure you have the proper coverage, whether that be from the Health Insurance Marketplace or Medicare. We provide you with the information you need so you can make the choice that is best fit for you. We care - [Signing Up For Family Health Insurance](https://www.healthplansinoregon.com/affordable-family-health-insurance/) - What’s taking you so long in signing up for family health insurance?We know that your family’s protection is your priority and one way to protect them is to safeguard their health by finding beneficial family health insurance for them. You may worry about several things especially the cost of health insurance plans for family. But - [Medication Management | 7 Tips For Ease and Safety](https://www.healthplansinoregon.com/medication-management-seven-tips-for-ease-and-safety/) - Believe it when I say…It is a fact that medications are important on our day-to-day life. Whether you just wake up with a headache at times or you’re handling a chronic condition, over-the-counter medications and prescription drugs should be on top of your priority list. And being knowledgeable on medication management is beneficial not only - [Medicare Part D Coverage in Oregon](https://www.healthplansinoregon.com/medicare-part-d-coverage-in-oregon/) - In need of Medicare Part D Coverage in Oregon?Medicare beneficiaries are encourage to enroll on a Medicare Part D (PDP). Medicare Part D drug plan is an optional Medicare insurance plan that covers prescription drugs and medications. It is important to sign up when you are first eligible or you may have to pay penalty. - [How to Buy Good Individual Health Insurance Plans?](https://www.healthplansinoregon.com/how-to-buy-good-individual-health-insurance-plans/) - More Americans purchase their own health insurance, but that can be a tough operation. There are ways to make sure that you understand what you are purchasing, and you are getting the product that is right for you. But take heart — even for the professionals health insurance can be tricky. Below are a few - [Medicare Enrollment Exceptions in Oregon](https://www.healthplansinoregon.com/medicare-enrollment-exceptions-in-oregon/) - Medicare Enrollment Exceptions in OregonOnce you turn 65, or are disabled for at least 24 months under Social Security guidelines, you have a limited Medicare enrollment period in which to apply for Medicare benefits. When will that be? The normal Medicare Annual Enrollment Period runs from October 15 to December 7 of each year. 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The good news is, we - [Final Expense Life Insurance: Ending life Wisely!](https://www.healthplansinoregon.com/final-expense-life-insurance-ending-life-wisely/) - People in Oregon believe life to be the most precious of all creations. But it’s a universal fact that we will end one day and we are constantly reminded of it any time we see our wrinkled hands, drooping shoulder, few more silver streaks in our hair or the changing lines of a face that - [Cheap Vision Insurance For Everyone](https://www.healthplansinoregon.com/cheap-vision-insurance-for-everyone/) - In need for a cheap Vision Insurance that actually works?When shopping for cheap vision insurance plans, it is important to look not only at price but benefits as well. An affordable Vison Insurance that doesn’t give you the coverage you need may not be a good value after all. The good thing is we are - [7 Eye Care Tips You Must Know Before It’s Too Late](https://www.healthplansinoregon.com/7-eye-care-tips-you-must-know-before-its-too-late/) - Are you neglecting your eye health?Most of us are constantly working our way to a healthier body, but oftentimes we ignore the fact that our precious eyes need care too. With Americans spending more than $15 billion each year on eyewear, it is very important to pay close attention to several eye care tips. By - [Protect Your Eyes With Vision Insurance in Oregon](https://www.healthplansinoregon.com/protect-your-eyes-with-vision-insurance-in-oregon/) - The word “vision insurance” is widely used to describe health and well being policies intended to minimize the cost of regular preventive eye treatment (eye examinations) and prescription eye wear (eye glasses and contact lenses). Some vision plans also provide discounts on elective vision correction surgery, such as LASIK and PRK. Yet unlike traditional health - [Medical Insurance in Oregon](https://www.healthplansinoregon.com/medical-insurance-in-oregon-2/) - We offer wide-ranging choices for Oregon medical insurance as well as related insurance coverage. Policies are compared for your advantage and cut the shopping binge into three plans that will meet your medical needs. Application and information may it be print, online, or mail-in are available for you. We will help you in having the - [All Oregon's Health CO-OP Members Need to Enroll in New Coverage](https://www.healthplansinoregon.com/all-oregons-health-co-op-members-need-to-enroll-in-new-coverage/) - 20,000 Oregonians need to enroll in new coverage as soon as possible. All CO-OP plans will end July 31st. Call 503-928-6918 today to switch or enroll into a new plan.Why is Oregon’s Health CO-OP closing?The insurer was expecting to receive about $5 million from the Centers for Medicare and Medicaid Services as part of the federal - [The 3 Biggest Health Insurance Mistakes You'll Want to Avoid](https://www.healthplansinoregon.com/the-3-biggest-health-insurance-mistakes-youll-want-to-avoid/) - Life will throw unexpected circumstances at you. Find the right health coverage for you and your family before getting ill or receiving a large stack of medical bills. Investing in health coverage doesn’t have to be difficult or expensive but it can provide security for you and your family. 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Here - [Get The Best Individual Health Insurance](https://www.healthplansinoregon.com/get-the-best-individual-health-insurance/) - Of course, you would want the best individual health insurance for yourself. You can have any health plan in the marketplace but who will guide you through the process of choosing the best Individual Health Insurance? Not all medical plans available to you are suited for your personal lifestyle and budget. Health Plans in Oregon - [Health Insurance For College Students](https://www.healthplansinoregon.com/health-insurance-options-for-college-students/) - You can simply enroll in a student health plan. 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Health Plans in Oregon is here to answer any questions you may - [Should The Young and Healthy Buy Health Care?](https://www.healthplansinoregon.com/should-the-young-and-healthy-buy-health-care/) - Admit it…Almost everyone will need health care services at some point, and without health insurance, you could be faced with paying the bill yourself. Many young people are uncertain whether they should get healthcare coverage because they don’t feel they need it.Does this sound like you? Keep on reading and you may change your mind.What - [5 Tips For Staying Well](https://www.healthplansinoregon.com/5-tips-for-staying-well/) - At Health Plans In Oregon, we want you to stay as healthy as possible, whether that means providing you free information about health insurance, or simple things you can do to stay healthy and well.While you may be covered by your health insurance for preventative measures like flu shots, we can all agree that nobody likes - [Why You Should Choose Health Plans in Oregon](https://www.healthplansinoregon.com/why-you-should-choose-health-plans-in-oregon/) - Since 2006, we have been committed to providing our families, friends, and clients with assistance with insurance, retirement options, and various medical benefits. Our unwavering goal is to make the most of every dollar spent while maintaining a high standard of ethical conduct on our part. Why should you choose Health Plans in Oregon to assist - [The Impact Current Legislation Will Have On Healthcare](https://www.healthplansinoregon.com/the-impact-current-legislation-will-have-on-healthcare/) - It’s no secret that health care reform dominates today’s news. Washington D.C. is abuzz, with legislators from both sides of the political spectrum arguing hard and fast to either stay the course with the existing Affordable Care Act, with some modifications, or replace it with something almost entirely different. That was the promise then presidential - [Financial Assistance For Health Insurance | Check if you Qualify](https://www.healthplansinoregon.com/financial-assistance-for-health-insurance-check-if-you-qualify/) - If you’re wondering if you may qualify for any financial assistance for health insurance, then read more of this blog.Since January 2014, the Affordable Care Act requires most Americans to enroll on a creditable health insurance, otherwise, there’s a consequential tax penalty for anyone that chooses not to enroll. Most Americans are concerned of rising - [Health Plans In Oregon Is Here To Get You Covered](https://www.healthplansinoregon.com/health-plans-in-oregon-is-here-to-get-you-covered/) - Health Plans in Oregon is here to help you find the best health plan for you and your family.There are several providers offering health insurance in Oregon, making it hard for residents to choose the best plan and coverage. 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Why is there a need - [What If You Lose Your OHP Benefits? | Oregon Health Plan Eligibility](https://www.healthplansinoregon.com/what-to-do-if-you-lose-your-ohp-bnefits/) - A huge number of Oregonians (approximately 555,000) has been receiving quality health care coverage through the Oregon Health Plan (OHP). It provides health care coverage for low-income Oregonians from all walks of life which includes working families, pregnant women, children, seniors, single adults and more. Individuals and families must meet income and residency requirements to - [Do I Need to File a Federal Income Tax Return?](https://www.healthplansinoregon.com/need-file-federal-income-tax-return/) - You should know that…Most people who earn an income must file a Federal income tax return. However, this is not the case for everyone. It depends on your filing status and the amount of income you made during the year. You may or may not be required by law to file a return with the - [Short-term Insurance Plans: An Alternative To Obamacare](https://www.healthplansinoregon.com/short-term-insurance-alternative-obamacare/) - What is this about?An executive order on health care has been signed by President Donald Trump yesterday, February 20, 2018. The US Department of Health and Human Services’ newly proposed regulations would allow Americans to buy short-term insurance that last just under a year. In addition, these short-term health insurance plans don’t have to adhere - [Providence Choice Plan Errors, Call Us For Details](https://www.healthplansinoregon.com/providence-choice-plan-errors/) - Important: If you have purchased an Individual Providence Health Plan (Providence Choice Plan members), it is essential that you check on the incorrect benefit information that has been written under your plan.Yes, that’s right. 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This national observance’s goal is to educate Americans that addiction treatment and mental health services can definitely help those with a mental and/or substance use disorder to live a healthy and productive existence.National Recovery Month celebrates success in prevention, treatment, and recovery - [Rainy Day Activities | Lesser Risk of Catching Cold & Flu](https://www.healthplansinoregon.com/rainy-day-activities-with-lesser-risk-of-catching-cold-flu/) - I bet you’re looking for some fun ideas to do when a rainy day strikes.Good thing is there are lots of rainy day activities that can make this gloomy scene a fun and memorable one. However, when it’s wet outside, it can be extremely dangerous for you, speaking health-wise. Worry no more as we are - [Health Insurance Metal Levels | Which One Is Right For You?](https://www.healthplansinoregon.com/health-insurance-metal-levels/) - There are 4 health insurance metal levels:Health plans in the Marketplace are offered in four metal categories which are Bronze, Silver, Gold and Platinum. These health insurance metal levels have nothing to do with the quality of care you will receive. However, it is based on how you and your health coverage divide the costs - [Why Do You Need To Compare Health Plans Every Year](https://www.healthplansinoregon.com/why-do-you-need-to-compare-health-plans-every-year/) - There are better offers each year that you never know until you compare.Even if you already have a Marketplace coverage, it is always best to compare health plans every year. Oftentimes, marketplace plans change each year with regards to costs and coverage. You may be happy with your current coverage and may want to just - [Student Health Insurance – Health Plans In Oregon](https://www.healthplansinoregon.com/student-health-insurance/) - Why should you get a student health insurance? Going off to college is definitely a huge step! It’s a time for new challenges, accomplishments and planning for the future. However, suffering from mild illnesses is inevitable when you’re preoccupied with campus activities and all its stress. And the last thing you would want is being - [Local Health Insurance Agents – Trusted by Oregonians](https://www.healthplansinoregon.com/local-health-insurance-agents/) - Choosing the right insurance plan can be real hard. Health Plans In Oregon will make it easy for you to choose the health insurance that best suits your needs and budget. Also, as local health insurance agents, we have the expertise to save you time and money, making it a point that you get that - [Swimming for Fitness – Water Works!](https://www.healthplansinoregon.com/swimming-for-fitness-water-works/) - Burn fat this summer! Summer is here and doing your exercise regimen outdoors can be very exhausting. Good thing there’s an alternative way to keep your body in shape while enjoying the summer’s heat! Swimming for fitness could be your new hobby. Moreover, there can be no other workout that burns calories and firms every - [Calculating Your Expected Modified Adjusted Gross Income (MAGI)](https://www.healthplansinoregon.com/calculating-your-expected-modified-adjusted-gross-income/) - Now that Open Enrollment is coming soon, you’ll be asked to share your expected modified adjusted gross income (MAGI) in order to find out if you qualify for subsidies or for low or no-cost insurance.What is Modified Adjusted Gross Income?In general, your MAGI is the total of your household’s adjusted gross income (AGI) plus any - [Grandfathered Health Plans | Rights and Protections](https://www.healthplansinoregon.com/grandfathered-health-plans-rights-and-protections/) - Are you one of those under grandfathered health plans?If so, then some rights and protections offered under the Affordable Care Act may not apply to you. If you are unsure if you have a grandfathered health insurance plan then you should check your plan’s material or communicate with your health plan’s benefits administrator. Moreover, you - [Moving To A Different State | Special Enrollment](https://www.healthplansinoregon.com/moving-to-a-different-state-special-enrollment/) - Moving to a different state will qualify you for Special Enrollment. There may be a lot of changes to be taken care of such as enrolling the kids to a different school, having a new line of work and of course, fixing all that concerns the household. However, with all these important things, you should - [Oregon Wildfires | The Air Quality and Your Health](https://www.healthplansinoregon.com/oregon-wildfires-the-air-quality-and-your-health/) - Severe smoke from Oregon wildfires can create dangerous conditions. Hot, dry summers causes increasingly massive wildfires. As per the National Interagency Fire Center, there are currently 12 Oregon wildfires burning roughly 346,745 acres. Since smoke from wildfires is made up of gases and fine particles from burning trees and other plant materials, it can cause - [Budgeting For Healthcare Insurance | Small Business](https://www.healthplansinoregon.com/budgeting-for-healthcare-tips-on-small-business-insurance/) - The budget season is already here. Even though this might seem like a routine process for every business, it remains important to pay great attention to the company’s control in spending. And with this comes the priorities and goals for the upcoming year such as budgeting for healthcare and employee wellness. It is a fact - [Get The Best Family Health Insurance Plans With Health Plans In Oregon](https://www.healthplansinoregon.com/get-the-best-family-health-insurance-plans-with-health-plans-in-oregon/) - Protecting the health of your family members should always be your first priority. This brings the need for getting the right family health insurance plans. Bearing the cost of medical expenses can be financially stressful. And, this is the reason why more and more people are looking for the best family health insurance plans for - [Reason Why You Must Opt an Oregon Health Insurance Plan](https://www.healthplansinoregon.com/reason-why-you-must-opt-an-oregon-health-insurance-plan/) - Health insurance policies can be commonly split into five forms- Private insurance policy Plans for Family floaters Health insurance group Essential insurance for illnesses Plans for senior citizens. In this post, we’ll address why you’ll benefit from having an individual health insurance plan. Let’s look at this first: As the name suggests, an Individual Health - [Types of Oregon Life Insurance Plans](https://www.healthplansinoregon.com/types-of-oregon-life-insurance-plans/) - You’ve got several different Oregon life insurance plans to choose from. We are here to help you break it down. The best way to get started when you’re browsing around for a life insurance policy is to know that there are actually two types of policies: term life insurance and life insurance. Term life insurance (the - [Obesity And Health Insurance Plans In Oregon](https://www.healthplansinoregon.com/obesity-and-health-insurance-plans-in-oregon/) - In certain cases, excess weight causes harm to health. This raises, to name only a few, the likelihood of developing diseases such as diabetes, heart disease, osteoarthritis, and certain cancers and reduces the lifespan. Treatment of obesity and disorders related to obesity costs billions of dollars a year. The US spent over $190 billion on - [Ultimate Guide To Federal Financial Stimulus for Small Business by Dianne Faligowski](https://www.healthplansinoregon.com/ultimate-guide-to-federal-financial-stimulus-for-small-business/) - Help is on the way! Here’s the ultimate guide to the federal financial stimulus for small business. Like many of our customers dealing with business disruptions, we are aware of the difficult decisions you face every day, especially about how to lay off employees. The Coronavirus Aid, Relief, and Economic Security Act (CARES ACT) is - [How Insurance In Oregon And Many Parts Of The Country Became More Accessible And Affordable](https://www.healthplansinoregon.com/how-insurance-in-oregon-and-many-parts-of-the-country-became-more-accessible-and-affordable/) - Times have changed and so have individual health plans in Oregon. The Patient Protection and Affordable Care Act was signed in the year 2010. A lot of people thought that this would be America’s solution to healthcare. It was an ambitious step and aimed to revamp the entire healthcare industry of the country. According to - [Health Insurance Terminology](https://www.healthplansinoregon.com/health-insurance-terminology/) - It can be difficult to find an affordable health insurance plan, particularly if you don’t understand the insurance terms. Only having the correct understanding of the concepts of insurance will make the difference between having a package that can protect you for much of your medical costs and one that has you spending thousands of - [Planning To Buy A Health Insurance Plan? Important Things To Consider](https://www.healthplansinoregon.com/planning-to-buy-a-health-insurance-plan-important-things-to-consider/) - It may seem overwhelming to purchase health insurance as an adult, family or small business, but it doesn’t have to be difficult. There are other things you want to look for. Price is often a factor, and this can also be difficult to gauge. Consumers can only look at the annual premium much too much - [COVID-19 And Your Health Policy – What You Need To know?](https://www.healthplansinoregon.com/covid-19-and-your-health-policy-what-you-need-to-know/) - Coronavirus Disease 2019 is an acute respiratory illness that is spreading at a rapid rate from person to person. Discovered after an outbreak in Wuhan, China, in December 2019, COVID-19 has now infected more than 100 countries and caused many deaths. Runny nose, sore throat, cough, and fever are a few common symptoms of this - [Your Healthcare Coverage and COVID-19](https://www.healthplansinoregon.com/your-healthcare-coverage-and-covid-19/) - As the novel coronavirus (now commonly known as COVID-19) continues its spread across the United States, you may be worried about the high costs of testing and treatment. We are now facing a pandemic situation and as the death toll continues to rise, we are here to share all the information you may need about - [Important Things To Consider Before Buying Oregon Health Insurance Plans](https://www.healthplansinoregon.com/important-things-to-consider-before-buying-oregon-health-insurance-plans/) - In the era of skyrocketing medical costs, buying a health insurance plan is very important to ensure your safety as well as the safety of your family members. Unexpected illnesses and accidents can cause one to suffer not only physically but also financially. And, in such situations being financially prepared is very important. Therefore, buying - [FAQ’s About Coronavirus $1,200 | Coronavirus Stimulus Check](https://www.healthplansinoregon.com/faqs-about-coronavirus-1200-coronavirus-stimulus-check/) - COVID-19 continues to cause havoc on cultures and economies all across the planet. In the United States, millions of people have already been laid off as companies close down or scale back, leaving many to wonder how they will pay their bills.After intense bipartisan negotiations, Federal lawmakers released a $2 trillion economic stimulus plan Friday - [How to Enroll on Affordable Health Insurance in Oregon?](https://www.healthplansinoregon.com/how-to-enroll-on-affordable-health-insurance-in-oregon/) - Did you know that?Affordable Care Act started in 2014. Most people is still not familiar on how to enroll on affordable health insurance in Oregon. Most Oregonians are only allowed to switch health insurance plans. These are certain times of the year called annual open enrollment, unless special conditions apply. During open enrollment you can - [Questions to Ask When Choosing a Health Insurance Plan](https://www.healthplansinoregon.com/questions-to-ask-when-choosing-a-health-insurance-plan/) - When choosing a health insurance plan you’ll need to compare the coverage each plan provides. You need to consider lots of things and should be ready with list of questions as your guide to make sure you are getting the health plan that best fits you. You should ask questions that specifically apply to your - [Health Insurance Special Enrollment Period](https://www.healthplansinoregon.com/health-insurance-special-enrollment-period/) - Have You Recently Lost Health Insurance Through:work? Oregon Health Plan (OHP)? or any other health insurance provider?Good News!Oregonians who receive federal subsidies get an average of $349 per month to help cover the cost of private insurance purchased through the Health Insurance Marketplace.What is Special Enrollment Period?Special Enrollment Period (SEP) – is a time outside - [Health Insurance Open Enrollment in Oregon](https://www.healthplansinoregon.com/health-insurance-open-enrollment-in-oregon/) - The open enrollment for buying health insurance in Oregon under Affordable Care Act will start on November 15. This will be the first time that Oregonians will use federal insurance through exchange portal. The health insurance in Oregon marketplace will have an exclusive position. This is due to the fact that federal portal have been - [Jimmy Kimmel Brokedown About Son's Heart Condition and Importance of ACA](https://www.healthplansinoregon.com/jimmy-kimmel-and-importance-of-aca/) - Importance of ACA – Jimmy Kimmel broke down last night about his baby son Billy who was born with a heart disease. He gave a good point how Affordable Care Act (ACA) really affects everybody whether you’re rich or poor. He said “If your baby is going to die, and it doesn’t have to, it - [What's Inside The New Health Care Bill](https://www.healthplansinoregon.com/whats-inside-the-new-health-care-bill/) - We just want to emphasize that the new healthcare bill did not become a law this week. This means, that there’s no changes on anyone’s health insurance plans in 2017 whatsoever. Everything stays the same for the rest of the year. On May 4, 2017, the House has passed the new Healthcare bill commonly known as - [Facts of ACA in Oregon](https://www.healthplansinoregon.com/facts-of-aca-in-oregon/) - The Affordable Care Act (ACA) has made health coverage possible for thousands of Oregonians, and now 95 percent have coverage. More than 1.1 million people are insured through the Oregon Health Plan or private insurance offered through the Oregon Health Insurance Marketplace.Oregonians who receive federal subsidies, get an average of $349 per month. This is - [Impact of Affordable Care Act in Oregon](https://www.healthplansinoregon.com/impact-of-affordable-care-act-in-oregon/) - Impact of Affordable Care Act in OregonHealth Insurance is literal lifesaver for most people. This is why the Affordable Care Act is so important.The Affordable Care Act had a big impact on Oregonians, for the better. Since 2014, you can no longer be denied health insurance for a preexisting condition, making health insurance available to - [Affordable Care Act Compared to New Healthcare Bill (AHCA)](https://www.healthplansinoregon.com/affordable-care-act-compared-to-new-healthcare-bill-ahca/) - You probably heard about the new healthcare bill which is also known as the American Health Care Act (AHCA). Let us briefly explain what this new healthcare bill is all about. The American Health Care Act is a US Congress bill to repeal the Affordable Care Act (ACA) passed by the House Republicans on May - [You Can Switch Plans | Medicare Open Enrollment](https://www.healthplansinoregon.com/you-can-switch-plans-medicare-open-enrollment/) - Medicare is the government-run health insurance program for people age 65 and older or for people with disabilities. The Medicare Annual Election Period (AEP) is the time to sign up for or make changes to your Medicare coverage. This year’s Annual Election Period begins October 15 and ends December 7th. Read details about how you - [Open Enrollment Dates Have Changed | Medicare Open Enrollment](https://www.healthplansinoregon.com/open-enrollment-dates-have-changed-medicare-open-enrollment/) - Medicare is the government-run health insurance program for people age 65 and older or for people with disabilities. The Medicare Annual Election Period (AEP) is the time to sign up for or make changes to your Medicare coverage. This year’s Annual Election Period begins October 15 and ends December 7th. Read details about the changing - [Quality is Rewarded | Medicare Open Enrollment](https://www.healthplansinoregon.com/quality-is-rewarded-medicare-open-enrollment/) - Medicare is the government-run health insurance program for people age 65 and older or for people with disabilities. The Medicare Annual Election Period (AEP) is the time to sign up for Medicare coverage. You can also make changes to your current coverage. The Annual Election Period begins Oct. 15 and ends Dec. 7. Learn how - [Medicare Annual Open Enrollment Period – Are You Eligible?](https://www.healthplansinoregon.com/medicare-annual-open-enrollment-period-check-eligibility/) - You may have a lot of questions on how to sign up or make changes to your current Medicare plan.Medicare Open Enrollment Period starts on October 15 until December 7 of each year. If you want to check for your eligibility, Health Plans in Oregon is here to help you.During this annual enrollment period (AEP) - [Medicare Open Enrollment is Fast-Approaching!](https://www.healthplansinoregon.com/medicare-open-enrollment-fast-approaching/) - When is it?October 15 marks the start of Medicare Annual Open Enrollment. This will end on December 7. This is the time of year for Medicare recipients to make changes on their Medicare health and drug plans for 2022.Happy with your current plan? There’s no need to do anything if you want to stay with - [All-Year-Round Medicare Enrollment - Medicare 5 Star Rating Plans](https://www.healthplansinoregon.com/all-year-round-medicare-enrollment-medicare-5-star-rating-plans/) - Are you unhappy with your current Medicare plan?Performance star rating are given to plans to gauge their overall performance. Medicare gathers information from member satisfaction surveys, plans, and health care providers. Ratings are between 1 and 5. Medicare 5 star rating plans are considered excellent. These ratings help consumers in comparing plans based on quality - [Medicare Automatic Enrollment – Are You Included?](https://www.healthplansinoregon.com/medicare-automatic-enrollment-are-you-included/) - Yes, Medicare Automatic Enrollment happens to some people.Keep in mind that you may face penalties if you assume that you are automatically enrolled but are not. Be informed about it. Medicare Automatic Enrollment happens when:You are automatically enrolled in Original Medicare (Medicare Part A & Part B) if you are receiving retirement benefits from Social - [Check Your Doctor's Affiliation | Medicare Open Enrollment](https://www.healthplansinoregon.com/check-your-doctors-affiliation-medicare-open-enrollment/) - Medicare is the government-run health insurance program for people age 65 and older or for people with disabilities. The Medicare Annual Election Period (AEP) is the time to sign up for or make changes to your Medicare coverage. The Annual Election Period begins October 15 and ends December 7th. Learn why you’ll need to check - [Check Your Medications | Medicare Open Enrollment](https://www.healthplansinoregon.com/check-your-medications-medicare-open-enrollment/) - Your set of medications is one big factor when choosing the right health coverage. Health Plans in Oregon offers a no-cost assessment in order to come up with the best plan that suits you.Check your medications first!When comparing Medicare Advantage or Prescription drug plans look carefully at which prescription drugs are covered by each plan. - [Medicare Annual Enrollment Period](https://www.healthplansinoregon.com/medicare-annual-enrollment-period/) - Medicare Annual Enrollment Period / AEP starts October 15 and ends on December 7 every year. This is the period when Medicare beneficiaries can review their current plan. Moreover, they can switch to a different Medicare contracted private insurance carriers for their medical and prescription drug coverage if they see fit.With over 13 million Medicare - [The Basics of Medicare Part D Coverage](https://www.healthplansinoregon.com/basics-of-medicare-part-d-coverage/) - Medicare Part D Coverage Part D is an optional supplementary Medicare plan that covers prescription drugs and medications. If you do want Medicare Part D coverage, it is important to sign up when you are first eligible for it or you may have to pay an extra fee. It is important to check your plan every - [The Basics of Medicare Part B Coverage](https://www.healthplansinoregon.com/the-basics-of-medicare-part-b-coverage/) - Medicare Part B coverage is also called “medical insurance”. It is for healthcare expenses to cover supplies and services that are required medically to treat your health conditions. Also, Part B typically works in tandem with Part A coverage most often called “Original Medicare”. Whether or not you pay a premium for Part A, you - [Get Medicare Quotes Fast](https://www.healthplansinoregon.com/get-medicare-quotes-fast/) - We provide comprehensive Medicare quotes since 2006.Over the years, Health Plans In Oregon has helped thousands of Oregonians by giving assistance at no cost. From health insurance to Medicare quotes to anything that concerns healthcare, we provide the best help we can give.Brief Medicare InformationIf you have turned 65, or if you’re under 65 with - [What Are Medicare Special Needs Plans?](https://www.healthplansinoregon.com/medicare-special-needs-plans/) - Did you know that there are Medicare Special Needs Plans?Medicare Advantage Plan SNP (Medicare Special Needs Plans) catered for people with certain special needs. Medicare SNPs limit the membership to people with specific diseases or characteristics. Medicare SNPs tailor their benefits, provider choices, and drug formularies to best meet the specific needs of the groups - [How Much Does Medicare Cost at age 65?](https://www.healthplansinoregon.com/how-much-does-medicare-cost-at-age-65/) - As we age, we get more prone to illnesses. That’s why planning for healthcare expenses is very important. However, it’s not an easy task. To know how much does Medicare cost at age 65, just read on this short but helpful blog. At Health Plans In Oregon, we’re here to make Medicare simple.The simple answer: Most - [Medicare Prescription Coverage – And Its 4 Parts](https://www.healthplansinoregon.com/medicare-prescription-coverage-and-its-4-parts/) - In need of Medicare Prescription Coverage?We at Health Plans in Oregon have talked about the differences between the different parts of Medicare before, specifically, Medicare Part D coverage. Simply stated Medicare prescription coverage (Part D) is for covering prescription medications. But there is a little more complexity about Plan D that should be broken down.Most - [Applying for Medicare Before 65](https://www.healthplansinoregon.com/applying-for-medicare-before-65/) - You can sign up for Medicare before 65.Medicare is the federal health insurance program for people who have turned 65, or in other extenuating circumstances such as younger people with certain disabilities, and those with failing kidneys. However, there are situations that will let you qualify for Medicare before 65.What are some of the conditions - [Different Rules For Applying For Medicare Under A Small Business](https://www.healthplansinoregon.com/different-rules-for-applying-for-medicare-under-a-small-business/) - Medicare is the federal health insurance program for people who have turned 65. It is also for people within other extenuating circumstances such as younger people with certain disabilities and those with failing kidneys.When applying for medicare there are a few different rules if you owned or worked for a small business that you need to - [How To Cover Medicare Gaps](https://www.healthplansinoregon.com/how-to-cover-medicare-gaps/) - At Health Plans in Oregon, We Want To Get You CoveredWe have been covering different information about Medicare. Today we are going to cover gaps in Medicare.One of the benefits of turning 65 is when you are finally eligible for Medicare coverage. Unfortunately, understanding Medicare coverage is not as easy as turning 65. At Health - [What is Medicare?](https://www.healthplansinoregon.com/what-is-medicare/) - Medicare is as easy as ABC! so… And what exactly is Medicare?Medicare is the federal health insurance program for people who are 65 or older and for certain younger people with disabilities.So now, let me tell you how Medicare works.We have four parts of Medicare : We have Parts A B C and D.Part A - [Medigap Policies – Fill the Gaps of Medicare](https://www.healthplansinoregon.com/medigap-policies-fill-the-gaps-of-medicare/) - What are Medigap Policies?You can get the most from Medicare by learning what Medicare covers. Finding out that Medicare won’t cover everything, Medigap policies will fill those gaps.Medicare consists of four different parts:Hospital insurance – Part A (inpatient hospital care, Skilled Nursing Facility, hospice care, and some home health services.Medical insurance – Part B (physician - [Medicare Plan F vs Plan G – A Medicare Supplement Quick Guide](https://www.healthplansinoregon.com/medicare-plan-f-vs-plan-g-medicare-supplement/) - Are you getting confused with these 2 Medigap Plans?Medicare (or Medigap) Supplement Plans such as Plan F and Plan G both cover out-of-pocket costs for hospital and doctor’s fee that original Medicare does not cover. If you have the Original Medicare, you may want a Medigap Plan, which is an extra health insurance, that will - [Medicare Low Income Subsidy – Extra Help For Part D](https://www.healthplansinoregon.com/medicare-low-income-subsidy/) - Do you know that you may qualify for Medicare Low Income Subsidy?LIS (Low Income Subsidy) is also called “Extra Help” in paying the cost of Medicare Prescription Drug Plan. This assistance program is for beneficiaries of Medicare who has limited income and resources. Many people may not even be aware that they are qualified for - [Medicare Frequently Asked Questions](https://www.healthplansinoregon.com/medicare-frequently-asked-questions/) - In Reality…Whether you are turning 65 and just new to Medicare or, currently enrolled with Medicare, questions as to how well you know your coverage and options may loom to the horizon. It may not always be as easy as it may seem, but we have listed down some of the Frequently Asked Questions to - [Help Paying Medicare Premiums – Get The Help You Need](https://www.healthplansinoregon.com/get-help-paying-medicare-premiums/) - Do you have limited income and assets and want help paying Medicare premiums?The good news is you can qualify for it. Get the help paying Medicare premiums once you qualify. Here are several programs you can look into if you need financial assistance:• MedicaidThis is program is funded jointly by states and the federal government. - [Oregon Open Enrollment Kick Off](https://www.healthplansinoregon.com/oregon-open-enrollment-kick-off/) - We’re honored to be invited by the Governor Kate Brown to speak about the value of Health Insurance Agent in enrolling and choosing a health plan that best fits everyone’s needs. Diane Faligowski’s speak Oregon Open Enrollment Kick Off – Full video - [Oregon Health Plan](https://www.healthplansinoregon.com/oregon-health-plan/) - What is Oregon Health Plan? The Oregon Health Plan (OHP) provides health care coverage to Oregonians with low income through programs administered by the Division of Medical Assistance Programs (DMAP). As of now, an average of 550,000 people receives health care coverage through the Oregon Health Plan each month. What are the goals of OHP? - [A Guide to Medicare Insurance Plans](https://www.healthplansinoregon.com/a-guide-to-medicare-insurance-plans/) - Medicare pays for medical care for people with disabilities and older people of the U.S. The plans include hospital, medical, and a separate prescription drug plan and other coverage. You need to select the type of medicare plan that you can afford and also review the methods in which the federal government can help you - [Medicare and Coronavirus](https://www.healthplansinoregon.com/medicare-and-coronavirus/) - It is unfortunate and stressful that we are ending the first quarter of 2020 with an official worldwide pandemic, Coronavirus or it’s official name… COVID-19. I’m sure you’re tired of the constant media coverage about this. However, with your health as our top priority, we’ve been constantly reading information and want to provide what we - [Medicare Enrollment Periods in 2022 [All Questions Answered]](https://www.healthplansinoregon.com/medicare-enrollment-periods-in-2022-all-questions-answered/) - Different Medicare Enrollment Periods in 2022:If you’re turning 65 or over 65 or under 65 but on disability for at least two year, you may qualify for Medicare. It’s very important to know the different Medicare Enrollment periods to prevent lapse of coverage or paying for penalties. Medicare Initial Enrollment Period (IEP) happens on your - [Original Medicare Plan - Things It Won’t Cover](https://www.healthplansinoregon.com/original-medicare-plan-things-medicare-wont-cover/) - Medicare Part A and Part B are often referred to as Original Medicare plan which is managed by the federal government of the United States. It is sometimes called Traditional Medicare and provides coverage to Medicare eligible individuals which includes access to doctors, hospitals, or other health care providers who accepts Medicare.However, Original Medicare plan ## Pages - [Home](https://www.healthplansinoregon.com/) - Health Plans In Oregon 503-928-6918 ARE YOU LOSING OHP? FREE ENROLLMENT HELP ENROLLMENT EVENTS GET MEDICARE QUOTE SHORT TERM MEDICAL HEALTH PLANS QUOTE 5 Star Reviews ⭐️⭐️⭐️⭐️⭐️ Our Services Health Plans in Oregon is dedicated to helping our clients understand their options and find the right insurance plans to fit their needs. We are committed - [Join Our Team!](https://www.healthplansinoregon.com/join-our-team/) - Come learn from top agents and discover proven strategies to successfully grow your business. Zoom Call (Unlimited Opportunity in Insurance): 07/08- 11am, PST https://us02web.zoom.us/j/630937509607/15- 11am, PST Topics:1. Marketing Strategies2. ⁠Scripts, Phone & presentation3. ⁠Bundling Products4. ⁠Increased Revenue5. ⁠Start with the Why6. ⁠Q & ARSVP – email: info@healthplansinoregon.com Do you work hard?Do you desire to make a difference?Do you genuinely - [Group Insurance for Small Business](https://www.healthplansinoregon.com/group-insurance-for-small-business/) - Group Insurance for Small Businesses Why is it important? As a small business owner, you have a lot of responsibilities. From managing finances to overseeing day-to-day operations, there’s always something that needs your attention. One of the most important things you can do for your business and your team is to invest in group insurance. - [Turning 65](https://www.healthplansinoregon.com/turning-65/) - Are you Medicare Ready? Turning 65 Turning 65 is a major milestone in anyone’s life. It marks the beginning of a new chapter – one where you can finally start enjoying the fruits of your labor and spend time doing the things you love. This exciting new phase also comes with some important decisions and preparations, - [Health Insurance Marketplace](https://www.healthplansinoregon.com/what-is-health-insurance-marketplace/) - Health Insurance Marketplace​ Understanding Your Healthcare Options Healthcare is a crucial aspect of our daily lives and choosing the right insurance plan is vital to ensure we receive the best medical care possible. The Health Insurance Marketplace, also known as the Affordable Care Act (ACA), was established to help people access affordable health insurance. In this - [Individuals and Families Health Plans](https://www.healthplansinoregon.com/individuals-and-families-health-plans/) - Assisting Oregonians since 2006 Individuals and Families Health Plans A Comprehensive Guide Individuals and Families Health Plans (IFHP) are essential for ensuring access to quality health care for individuals and families. These plans offer a range of benefits, including coverage for preventive care, doctor visits, hospitalization, and prescription drugs. With so many options available, choosing - [Medicare Supplement](https://www.healthplansinoregon.com/medicare-supplement/) - Medicare Supplement The Ultimate Guide to Understanding Your Coverage Options Medicare Supplement, also known as Medigap, is a type of insurance that helps cover the gaps in Medicare coverage. It is designed to work alongside Original Medicare and provides additional benefits that are not covered by Medicare, such as copayments, deductibles, and coinsurance. This article - [Enrollment Events](https://www.healthplansinoregon.com/enrollment-events/) - ENROLLMENT EVENTS Medicare and Health Insurance Marketplace These events are open to everyone and a fantastic opportunity to meet with our LOCAL LICENSED AGENTS for Walk-in Medicare Plan options or Enrollment help.We sincerely hope you take advantage of this wonderful chance and we hope to see you there! SEE YOU AT THE FOLLOWING MEDICARE AND - [Our HPO Team](https://www.healthplansinoregon.com/our-hpo-team/) - OUR HPO TEAM CALL US : 503-928-6918 It’s our responsibility to deliver what sets us apart from the competition: local expert service, 16 years of experience, multiple languages, certified, 5 Star Reviewed local agency. 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