Make Sure You are Covered

When shopping for Oregon individual health insurance, consider an Oregon health savings account to save money! Oregon individual health insurance is an important issue as everyone strives to obtain quality and affordable health insurance coverage to prevent catastrophic financial losses in the event they are ill or injured.  The starting point for any policy includes some very basic items.  Who is to be covered?  Is this a single person policy, a children only policy, or a family policy?  What kind of monthly premium can you afford to pay?  Also, what kind of deductible could you handle, and how does that trade off to a lower premium?  These are all important starting point questions, but also consider any pre-existing conditions and if the person to be insured has plans to have a child if female, and any other conditions affecting health.

Oregon individual health insurance can vary in type of insurance as well.  Short term health insurance can come in handy if someone is between jobs.  Student health insurance is available to students who are too old for their parents’ policy but don’t have an employer providing benefits yet. Oregon health savings accounts, are also available at steep discounts from traditional health plans. There are also policies in long term care, accident and disability plans, and critical illness insurance for those incredibly unfortunate circumstances.  Whatever you need, Smedley can help you nail down just the right policy for your family, your parents, or for yourself.

When you are comparing Oregon individual health insurance policies, there are many factors to consider when looking side by side at several policies.  Of course, there is premium to compare.  You’ll take a look at the deductibles too.  Co-insurance is another factor that can impact your bottom line cost on health care, as well as any office co-pays, prescription benefit limits, specialty co-pays, and emergency room fees.  It’s important to look at the A. M. Best rating for an insurance company to make sure they handle their business with integrity.  Lifetime maximums and annual maximums are also integral consideration points.

Oregon individual health insurance has many factors to consider.  What kind of insurance you need, and who you need it for is the important factors to have ready when you call us to get a quote.  After that, you’ll get some quotes based on the type of coverage you are looking for, some comparisons between similar policies that are set up differently, and then you can weigh the costs and coverage before you decide.  Smedley Insurance Group has the experience and resources to help you find the right coverage. Oregon premiums are at an all time high, and we’re here to help you lower those premiums. Without speaking to you, the one piece of advice we can give is to compare your current options with an Oregon health savings account, and you’re sure to be happy with the result. For help on this task, please don’t hesitate to contact us at (866) 260-9829.