Oregon is a great state to live if you are looking for discount health insurance. Even if you have no health insurance, Oregon’s Prescription Drug Program went into effect at the end of 2006, providing deep discounts on prescription drugs to just about all residents of the state, regardless of income.
According to the Insurance Division of the State of Oregon, 39% of the citizens of Oregon are currently covered by one of the major private health insurers in the state. Many more families are covered by employer-supplied health insurance.
For those seeking discount health insurance in Oregon on their own, here are a few things to keep in mind.
One of the main ways in which people balance the cost of health care is through the raising or lowering of their plan’s deductible. A deductible is the amount of money you pay out of your own pocket for your health needs before your insurance begins paying. The larger the deductible, the lower the monthly premiums you’ll have to pay.
One of the best ways to keep health care costs down is to make a list of exactly what you and your family need most from health insurance. Do you need to have routine doctor visits covered? Do you foresee any hospital stays in the coming year? Are prescriptions your main concern? Is there a chronic health need in your family that needs to be addressed? Can you put aside enough cash to cover a larger deductible?
Once you know exactly what your family’s primary needs and concerns are, there are several websites which allow for side-by-side comparisons of policy costs based on the criteria which you have determined are most important to you.
By taking the time to make a list of your major insurance needs and then comparing policies online, you and your family should be able to save money and get the discount health insurance that you need and deserve.