If you're looking for individual health insurance State of Oregon approved, you will be able to find it by checking on whether you are eligible for the Family Health Insurance Assistance Plan (FHIAP) of Oregon. This plan is designed to offer assistance to those residents of Oregon who cannot afford health insurance. To qualify, you and your family must meet certain criteria, and, even if you qualify, you may not be able to participate in the program unless there is an opening.
On the other hand, FHIAP presents a great opportunity to those who need the help it provides. The program is not an entitlement; you can be refused and put on a waiting list if there are no openings. If you are approved, and your employer offers health coverage, you must enroll. The plan will pay up to 95% of the monthly premium associated with your employer's plan. It will not pay deductibles, co-pays, or other out-of-pocket expenses not covered by your insurance.
Individual Health Insurance State of Oregon Options
If you are between jobs, waiting for your employer's plan to kick in, or a student who just got married, you might be looking for private individual insurance. Fortunately, there are a lot of options for Oregon residents who shop for insurance on the Internet. For example, the student described above is not able to stay on his or her parents' plan. He or she will find low-cost health insurance to cover the gap between the date of the marriage and the time the student enters the workforce.
Other types of individual insurance include foreign travel insurance and Medicare supplemental insurance. Both are designed to meet very specific needs. Before you travel outside the US, for example, you should check with your insurance provider to determine whether your coverage will be in effect and accepted wherever you plan to travel. If there is any question of coverage, especially if you have a recurring medical condition, you should consider obtaining a policy that will work where you are traveling.
