Cascade Mountains CITIES: Brightwood, Camp
Sherman,
Cascade Locks, Cascadia, Chemult,
Chiloquin, Crescent, Crescent Lake, Detroit, Diamond Lake, Drew,
Estacada, Fort Klamath, Gates, Gilchrist, Government Camp, Idanha,
Klamath Agency, La Pine, Lakeview, McKenzie Bridge, Mill City, North
Umpqua, Oakridge, Prospect, Rhododendron, Sandy,
Sisters,
Sunriver, Warm Springs,
Welches, Westfir, Zigzag AREAS: Crater Lake National Park, Deshutes National Forest,
Fremont National Forest, Mount Hood National Forest, Rogue River
National Forest, The Three Sisters, Umpqua National Forest, Willamette
National Forest, Winema National Forest
Central Oregon CITIES: Antelope,
Arlington,
Bend, Brothers, Condon, Culver, Dufur,
Fossil, Grass Valley, Hampton, Lonerock,
Madras, Maupin, Metolius, Mitchell, Moro,
Mosier, Paulina, Post, Prineville,
Redmond, Rowena,
Rufus, Shaniko, Spray,
The Dalles, Wasco
Northeast Oregon CITIES: Adams, Arlington,
Athena,
Baker City, Boardman, Canyon City, Condon,
Cove, Dayville, Echo, Elgin,
Enterprise, Fossil, Greenhorn, Haines, Halfway,
Heppner, Hermiston, Huntington, Imbler, Imnaha, Irrigon, Island City, John Day,
Joseph,
La Grande, Lexington, Long Creek, Lostine,
Medical Springs, Milton-Freewater, Monument, Mt Vernon, North Powder, Oxbow,
Pendleton, Pilot Rock, Prairie City,
Richland, Seneca, Summerville, Sumpter, Ukiah, Umatilla, Union, Unity,
Wallowa, Weston AREAS:
Hell's Canyon
Between Jobs, or Unemployed!
Offered Cobra Health Insurance and cannot afford the premiums?
The are many Low Cost, and Affordable options. All coverage is
with Major Health Insurance Companies and a "Real Person" will
answer the phone to help you!
The focus of this website is to
provide consumers a simple, and professional environment when
looking for Affordable, and Low Cost Health Insurance.
Licensed Health Insurance Agents are available and will take the
time to answer all your questions, and help find the Health Plan
that best meets the needs of the Individual, Family, or Small
Business.
Health Insurance Benefits are
always changing, and health insurance companies are providing more
options that benefit the consumer. Alternative, or Holistic
health care is now offered through many of the health insurance
companies. You can now see your Naturopathic Physician, and be
covered under the doctor office co-pay, and have unlimited visits.
Chiropractic, and Acupuncture are also included as standard health
care benefits.
If you are looking for Low Cost and
Affordable Dental and
Vision benefits included within the health plan, we can help you
select the Health Insurance Company that will meet your needs.
Health Benefit Solution, Inc is
licensed through the Oregon Insurance Division, and has contracted
with most all the major health insurance companies to provide the
consumer with choice and options when looking for the plan that
meets the life style and needs of the insured.
Providing Affordable and low cost options when
looking for health Insurance Coverage
Health Benefits Solution, Inc is
licensed and contracted to write business with the following Health
Insurance Companies. Links are included, and you can visit the
Health Insurance Companies official website.
Oregon Senate Bill 514 – Children’s
Reinsurance Program August 1, 2011
Last fall, rules under the health care
reform law barred health insurers from denying new enrollment to
children with pre-existing medical conditions. This created
guaranteed issue for children up to age 19.
Oregon has taken a different approach. Health plan leaders
and the state’s insurance division formulated a plan that would
minimize the risk of guaranteed issue for children enrolling
with any single carrier. Those discussions led to Senate Bill
514 during the 2011 Legislative session, creating the Children’s
Reinsurance Program. This unique program is effective with new
individual applications in August for September
effective dates.
The Reinsurance Program applies to all health insurers doing
business in Oregon. Using the Oregon Medical Insurance Pool
(OMIP) as a model, insurers agreed they would:
Enroll children under age 19
throughout the year on a guaranteed issue basis;
Use the existing medical
underwriting process to determine the risk of the applicant;
Determine within 105 days of the
effective date of the individual coverage if the carrier
wishes to ‘cede’ the risk of the child to the reinsurance
program;
Report those ceded children and the
related premium to the Reinsurance Program;
Process claims according to the
terms of the policy purchased;
Recover from the Reinsurance Pool
claims paid under the terms of the policy for those ceded
risks;
Pay assessments to the Reinsurance
Pool much like the assessments paid to OMIP.
