Portland’s Premier Insurance Agency

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Cover Oregon Agency

Local Certified Cover Oregon Agency. 

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Cover Oregon Agent Help Request GO HERE

All Information Submitted on this website is Private and NOT Sold to Hundreds of Insurance Agents LIKE OTHER SITES.

Call 503-828-1970 For Assistance 

We are an independent insurance agency in Oregon. The ideal one stop insurance shopping marketplace for Oregonians. We find the best combination of value and services from the top insurers for our clients. Founded in 2012, Portland Benefits Group agents have helped thousands of people navigate a confusing (and ever-changing) insurance system. We’re always here when you need us. You don’t have to sit on hold with an exchange or an insurance company. 

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Portland Benefits Group is a Certified Cover Oregon Agency. Click Here to view rates on our website.


Choosing a Cover Oregon Agency:

Dear Insurance Shopper,

With high premiums and high deductibles, getting insurance is about trying to find a balance between coverage that lets you sleep at night and premiums that let you eat during the day. A good agent can assist you all of your options under the law, from using the exchange to helping you purchase insurance privately.

The deadline to enroll in a plan is April 31st. If you have not applied for insurance by then, and you do not meet the strict guidelines for financial hardship, you will be subject to a fine. The fine is 1% of your household income for each adult in your household without qualified coverage.You can avoid the fine by purchasing a qualified health plan either through the exchange or privately. A family of 4 making up to $94,000 is eligible for a tax credit applied directly to your monthly insurance premium. You only pay the difference.
 
If you do not qualify for a subsidy there are still affordable plans you can get and avoid the penalty. If those are still unaffordable there are other alternatives without the required preventative care, that give you coverage, but may subject you to the penalty. These much less expensive plans, even with the penalty, are generally less expensive than Obamacare plans. Another way to reduce costs is to combine a less expensive Bronze plan with gap insurance.
 
For a consultation please call our office at 888-244-2805 and one of our exerienced agents will be glad to assist you.

Sincerely,

David Taxer

503-828-1970

dtaxer@portlandbenefitsgroup.com

Cover Oregon Rates GO HERE


Portland Benefits Group’s Cover Oregon Certified Agents Will Assist You With Health Insurance Plans And Applications From ANY Carrier on Cover Oregon

Obamacare is confusing and if you choose the wrong plan you could be forfeiting thousands of dollars in government assistance. We can help you understand all of your options under the new law, and assist you with the Cover Oregon application process. 

David Taxer Licensed Agent NPN# 16520021, Cover Oregon Agent #1000001853 Will Answer Your Questions. 

503-828-1970

dtaxer@portlandbenefitsgroup.com

As a Cover Oregon Agent I can explain how the ACA works and let you know if tax credits and reduced premiums are available as well as  what Health Insurance will cost both from the health exchange and on the private market. Buying off-exchange means you won’t get cost assistance, however you will have better networks and more qualified health plan varieties to choose from. 

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Using a Cover Oregon Agent to enroll in health insurance

Individuals who intend to file an application with Cover Oregon for medical health insurance should be aware that the application requires accurate assessments of their income to qualify for your tax credit, which is estimated and portioned out so that your monthly premium for your families health insurance is partially paid for each month. An agent can advise you on the size of your tax credit as well as what strategies should be taken to get the best results. Since the tax credit is advanced to you, if you underestimate your income then the IRS may want some of their money back, so I generally recommend overestimating your income at least a little bit. By how much tends to be a case-by-case basis as everyone has a diferent situation.

Applications can be submitted over the telephone, by mail, or eventually online by consumers at coveroregon.com. A patchwork online application has been released by the State. Instructions and the links are below. For assistance contact David Nelson at PBG. If you do intend to attempt an online application by yourself, here are the instructions from Cover Oregon’s webpage.

Why Use A Cover Oregon Agent

If you are shopping for an individual plan, a licensed health insurance agent can help. Agents can help you compare plans, fill out an insurance company application and assist with claim and billing issues.

How are Agents Paid?

Agents are paid by Cover Oregon. However, the insurance company pays their fee and it is already built into the cost of the premium. That means you don’t pay any more for insurance if you use an agent. 

Links to Enrollment information:

http://resources.coveroregon.com/pdfs/cover_oregon_plans_premiums.pdf

http://resources.coveroregon.com/pdfs/financial_help_booklet.pdf

http://resources.coveroregon.com/pdfs/Fact_Sheet_Small_Business.pdf

http://resources.coveroregon.com/pdfs/Fact_Sheet_Individuals_and_Families.pdf

http://resources.coveroregon.com/pdfs/Fact_Sheet_Uninsured.pdf

http://resources.coveroregon.com/pdfs/Fact_Sheet_Why_Insurance.pdf

http://resources.coveroregon.com/pdfs/Fact_Sheet_Already_Insured.pdf

http://resources.coveroregon.com/pdfs/Online_PSEP_User_Guide.pdf

http://resources.coveroregon.com/pdfs/agents/EXAMPLE_Individual_Enrollment_Packet.pdf

http://resources.coveroregon.com/pdfs/Eligibility_Chart.pdf

http://resources.coveroregon.com/pdfs/Fact_Sheet_for_College_Students.pdf

http://resources.coveroregon.com/pdfs/Fact_Sheet_FAQs.pdf

http://resources.coveroregon.com/pdfs/Quick_Guide_Tribal_Communities.pdf

http://resources.coveroregon.com/pdfs/FAQs_Tribal_Communities.pdf


Assistance with Cover Oregon’s Temporary Consumer Online Application

Cover Oregon’s phone number is 1-855-268-3767. Hold times can be avoided by calling Portland Benefits Group directly. Our phone number is 503-828-1970.  We can do the entire application for you over the phone. 


The temporary online application is NOT secure and has other restrictions as well. Only Agents and other Cover Oregon Partners have secure online application systems 

INFORMATION BELOW LINE TAKEN DIRECTLY FROM THE STATE OF OREGON’S WEBSITE. 


https://apps.state.or.us/mbs/

Important information about this application

Before you fill out your application, please read the important information and tips below. Then, choose the application that’s right for you at the bottom of this page.

Important:

  • If you use Internet Explorer as your browser:
    • You will be able to submit your application online via a secure delivery system.
    • You will not be able to save your application or retrieve it after you click SUBMIT. Please print a copy of your application for your records before clicking SUBMIT.
  • If you use Firefox, Chrome, Safari or another browser (not Internet Explorer):
    • You will NOT be able to submit your application online.
    • You must print the application and send it to us by mail or fax (see application for details). Do not click the SUBMIT button on the application, because your information will not be sent and will be lost.
  • We are not able to support the use of this form on iPads (or other tablets) or mobile devices at this time.

Tips:

1) You will only have 1 hour to complete the application – be prepared before you start.

Since you will only have 1 hour to complete the application online and since you will not be able to save the application online , it’s important to be prepared. It’s a good idea to gather the following information before you start your application.

For each person who is applying for health insurance, you must include:

  • Birthdate
  • Social Security number (if you have one)
  • Alien Resident number (if you have one)

If you choose to apply for financial savings, include the following information for all applicable household members:

  • Tax-filing information
  • Income information

By gathering this information before you start your application, you should be able to finish filling it out within 1 hour. After 1 hour, your information will be lost and you will need to start over. If you think you’ll need more time, you can print the application, fill it out and then mail or fax at your convenience.

2) Protect your identity

If you are using a shared computer, fully close the browser after submitting your application. This will keep other users from having access to your personal information.

3) If the application is successfully received, you will receive an enrollment kit in 2-3 weeks after verifying your income and other data. This kit will contain your Case Number and Shopping Group Number. You will need this information to enroll in a chosen plan. Plans can be shopped online or discussed with an agent or broker. An agent can enroll you or you can go online and submit your enrollment form for your chosen plan.

Applications – choose one:

There are two versions of the application listed below. Choose the one that is right for you and click the link to get started.

 

To apply for health insurance (including the Oregon Health Plan and Healthy Kids) and financial savings to help lower costs, click here.

To apply for private health insurance only (if you’re not interested in financial help), click here.

 

Portland and Vicinity

Banks, Barlow, Beaverton, Camas, Canby, ClackamasClatskanie, Columbia City, Cornelius, Forest Grove, Gaston, Gresham, Happy Valley, HillsboroLake Oswego, Marquam, Milwaukie, Molalla, North Plains, Oregon CityPortland, Rainier, Sandy, Scappoose, St. Helens, Tigard, Troutdale, Tualatin, Vernonia, West Linn, Wilsonville

Willamette Valley

Albany, Alsea, Amity, Aumsville, Aurora, Brooks, Brownsville, Canby, Canyonville, Carlton, Corvallis, Coburg, Cottage Grove, Creswell, Culp Creek, Dallas, Dayton, Detroit, Donald, DundeeEugene, Falls City, Gates, Gervais, Halsey, Harrisburg, Independence, Jefferson, Junction City, Keizer, Lebanon, Lowell, Lyons, McMinnville, Mill City, Millersburg, Mt.Angel, Molalla, Monmouth, Newberg, Oakridge, Oregon City, Philomath, Salem, Scio, Scott Mills, Sheridan, Silverton, Sodaville, Springfield, Stayton, St. Paul, Sublimity, Sweet Home, Tangerit, Turner, Veneta, Walterville, Waterloo, Willamina, Woodburn, Yamhill

Southern Oregon CITIES:  Ashland, Butte Falls, Cave Junction, Canyonville, Central Point, Dillard, Drain, Eagle Point, Elkton, Glendale, Glide, Gold Hill, Grants Pass, Jacksonville, Klamath Falls, Malin, MedfordMerlin, Myrtle Creek, Oakland, Phoenix, Prospect, Riddle, Rouge River, Roseburg, Shady Cove, Sutherlin, Talent, Umpqua, White City, Winchester, Winston, Wolf Creek, Yoncalla AREAS:  Applegate Valley, Illinois Valley 

Oregon Coast

North Coast Astoria, Bay City, Beaver, Cannon BeachGaribaldiGearhart, Hebo, NehalemManzanita, Neahkahnie, Oceanside, Pacific CityRockaway BeachSeasideTillamookWarrentonWheeler Central Coast Depoe BayDunes CityFlorenceGleneden BeachLincoln City, Mapleton, Newport, Otter Rock, Reedsport, Seal Rock, Siletz, ToledoWaldportWinchester BayYachats South Coast Agness, BandonBrookingsCharlestonCoos Bay, Coquille, Gold BeachLakeside, Myrtle Point, North BendPort Orford, Powers, Wedderburn

Southeast Oregon Adel, Adrian, Burns, Diamond, Drewsey, Frenchglen, Hines, Jordan Valley, Juntura, Lakeview, Nyssa, Ontario, Plush, Vale

CITIESBrightwood, 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, SistersSunriver, 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, JosephLa 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

 
 

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