Oregon Short Term Medical Health Insurance
Short Term Health Insurance in Oregon
Short term health insurance is half the cost of an ACA health plan. If you qualify you may be able to save thousands of dollars in monthly premium with a short term medical insurance plan.
Short Term Health Insurance provides very similar coverage to pre-ACA health insurance. It’s inexpensive, pays for claims, and is probably more like the health insurance you are are used to if you qualify for it (most people do)
Call Portland Benefits Group at 1-888-244-2805 for assistance selecting a health insurance policy. Some people are better off on an ACA plan. Some are better off on Short Term Health Insurance. If you don’t know, we’ll help you understand the true costs of your options so you can decide.
Top Oregon Short Term Insurance Options:
Best Coverage in Short Term Medical Coverage:
National Health Insurance Company (NHIC) Intrium Care Short Term Medical Insurance
NHIC’s Intrium Care Short Term Medical Insurance offers free office visits with no copays, the largest health network of any short term policy in Oregon, and coverage options that include deductible waivers for common claims.
- First Dollar Coverage for PCP
- $50 Copay Urgent Care, deductible waived
- Aetna Health Network
- Variety of deductible options
Best Value in Short Term Medical Insurance
HCC Life’s Complete STM Short Term Major Medical Health Insurance
- Copays for urgent care visits
- Deductible as low as $250
- Accepted at any PPO hospital
Short Term Medical Insurance Basics:
- 50% less expensive than Major Medical, making it easier to afford coverage
- Doctors Visits & Urgent Care with $50 Copays
- Instant Approval with a 5-7 Question Online Application
- Immediate access to download & print ID cards and plan documents
- Plans Backed by Best-in-class ‘A’ Rated Carriers
- Covered benefits are paid the same way whether in or outside the broad and highly accessible provider network
Portland Benefits Group recommends HCC Life (Underwritten by Lloyd’s of London, the world’s first bank and insurance company) and NHIC as our primary short term medical carrier due to their combination of a very high reputation and low rates. Click the banners above to view quotes. Click the link below that to see quotes from everyone.
To speak to an agent: Call 503-828-1970
What is short-term medical insurance?
Short-term medical insurance offers a solution to individuals in need of temporary medical coverage. This short-term medical insurance policy protects against unforeseen accidents and sicknesses, appropriate for individuals between jobs, students, new employees waiting for coverage to begin, or any eligible person who is temporarily without health insurance coverage. Coverage is available for periods of up to 6 or 11 months (varies by state).
What is co-insurance?
Co-insurance is the part of medical expenses you pay for after you pay the deductible. The remaining amount is covered by the policy. This policy gives you two options: 80/20, where underwriters pay 80% of eligible expenses (after deductible) and you pay 20% of the eligible expenses, or 50/50, where eligible expenses are equally split after your fulfillment of the deductible.
How soon can I start my coverage?
Your coverage can start tomorrow! If you submit your application and credit card payment today by Internet, fax or e-mail, coverage will begin tomorrow. Otherwise, your coverage will begin on the day following the date we receive your completed application and payment or on the date you requested on the application, whichever is later.
What if I need more time later? or What if I need coverage for the entire year?
Coverage periods of 6 or 11 months are available, depending on the state in which you will hold coverage. However, if you require more time, you may purchase a new policy as long as you have not held two previous policies in the same 12 month period! Coverage is not renewable; therefore, any subsequent policy will be treated as new and will be subject to the same preexisting condition provision and other limitations. Availability of re-purchase may vary in some states.
Does short-term medical insurance meet the requirements of the Affordable Care Act?
Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.