Cover Oregon Application Assistance
Application Assistance for Cover Oregon Shoppers. Oregon Health Insurance License 16520021
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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.
Call 503-828-1970 For Assistance
Portland Benefits Group is a Certified Cover Oregon Agency. We can assist you with your Cover Oregon application for health insurance and explain the benefits of any health plan on Cover Oregon. Click Here to view rates on our website.
Assistance with your Cover Oregon Application:
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.
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 Will Answer Your Questions. Health and Life Licenses held for OR, WA, CA, AZ, TX, MI, OH, PA, VA, NC, and SC.
As a Licensed and Exchange Certified Health and Life Agent I can submit your Cover Oregon application electronically. Agents like myself have been able to do so since late November. I can show you the plans, discuss networks, and let you know if tax credits and reduced premiums are available for you through Cover Oregon, or help you shop privately if you are not elighible for a subsidy.
Cover Oregon Application Assistance
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 claims.
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.
TOP 9 MOST IMPORTANT HEALTHCARE REFORM FACTS
Portland Benefits Group
Section on Application Assistance for Cover Oregon Applicants
- 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.
- The deadline to avoid the fine is March 31. Coverage may still be applied for through Cover Oregon until April 30 however you may still pay the fine.
- 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.
- A family of 4 making up to $94,200 is still eligible for a tax credit applied directly to your monthly insurance premium. You only pay the difference.
- If you do not qualify for subsidies 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 alternative plans, even with the penalty, are generally less expensive than Obamacare plans.
- One way to reduce costs is to purchase a less expensive Bronze plan and combine that with gap insurance
For each person who is applying for health insurance, you must include:
- 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.
Portland Benefits Group Service Areas:
PDX metro area:
Beaverton, Clackamas, Gresham, Hillsboro, Lake Oswego, Milwaukee, Oregon City, Portland, Tigard, Tualatin, West Linn, Wilsonville
Surrounding area: Banks, Barlow, Camas, Canby, Clatskanie, Coumbia City, Cornelius, Forest Grove, Gaston, Happy Valley, Marquam, McMinnville, Molalla, North Plains, Raineer, Sandy, Scapoose, St. Helens, Troutdale, Vernonia
Willamette Valley Area:
Albany, Alsea, Amity, Aurora, Aumsville, Aurora, Brownsville, Brooks, Canyonville, Carlton, Corvallis, Coburg, Cottage Grove, Creswell, Culp Creek, Culp Creek, Dallas, Dayton, Detroit, Donald, Dundee, Eugene, Falls City, Gates, Gervais, Halsey, Harrisburg, Independence, Jefferson, Junction City, Keizer, Lebanon, Lowell, Lyons, 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
Ashland, Butte Falls, Cave Junction, Canyonville, Central Point, Dillard, Drain, Eagle Point, Elkton, Glendale, Glide, Gold Hill, Grants Pass, Jacksonville, Klamath Falls, Malin, Medford, Merlin, Myrtle Creek, Oakland, Phoenix, Prospect, Riddle, Rouge River, Roseburg, Shady Cove, Sutherlin, Talent, Umpqua, White City, Winchester, Winston, Wolf Creek, Yoncalla
Oregon Coast Area:
Astoria, Lincoln City, Newport, Bay City, Beaver, Cannon Beach, Depoe Bay, Dunes City, Florence, Garibaldi, Gearhart, Gleneden Beach, Hebo, , Manzanita, Neahkahnie, Nehalem Mapleton, North Coast Otter Rock,Oceanside, Pacific City, Rockaway Beach, Seaside, Tillamook, Warrenton, Wheeler Central Coast Reedsport, Seal Rock, Siletz, Toledo, Waldport, Winchester Bay, Yachats South Coast Agness, Bandon, Brookings, Charleston, Coos Bay, Coquille, Gold Beach, Lakeside, Myrtle Point, North Bend, Port Orford, Powers, Wedderburn
CITIES: Adel, Adrian, Brightwood, Burns, Camp Sherman, Cascade Locks, Cascadia, Chemult, Chiloquin, Crescent, Crescent Lake, Detroit, Diamond, Diamond Lake, Drew, Drewsey,Estacada, Frenchglen, Fort Klamath, Gates, Gilchrist, Government Camp, Hines, Idanha, Jordan Valley, Juntura, Klamath Agency, Lakeview, McKenzie Bridge, Mill City, North Umpqua, Nyssa, Oakridge, Ontario, Plush, Prospect, Rhododendron, Sandy, 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, Vale Willamette National Forest, Winema National Forest
Central Oregon Areas:
Antelope, Arlington, Bend, Brothers, Condon, Culver, Dufur, Fossil, Grass Valley, Hampton, La Pine, Lonerock, Madras, Maupin, Metolius, Mitchell, Moro, Mosier, Paulina, Post, Prineville, Redmond, Rowena, Rufus, Shaniko, Spray, Sisters, Sunriver, The Dalles, Wasco
North-east Oregon service area:
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