Oregon Health Insurance > Catastrophic Plans

Many consumers search for "Catastrophic Health Insurance Coverage", though there is really no plan designed to cover only catastrophies.  Many people look for a plan with coverage for the large claims only. Currently in Oregon no companies are offering plans that exclude coverage for doctor office visits. All plans cover them, but there are many plans in which you must first satisfy your annual deductible before any benefits are paid. Many times these plans do not cover things like outpatient prescriptions, immunizations or routine physicals. They offer a wide range of deductible that allow people to save a tremendous amount of money in premiums.  Some lower costing examples of this kind of plan are the Blue Selections Basic plan from Regence BC BS of Oregon, the Elect Value plan from Pacific Source or the Garnet plan from HealthNet of Oregon.

There are some plans available that have high Major Medical deductibles with “limited benefits” prior to the deductible.  ODS has the Beneficial Value plan (with and without prescription benefits) and LifeWise has their Essentials plan.  Both plans offer limited office visits, preventative care and other benefits prior to the deductible being met.

There are plans from almost every carrier where you can have unlimited office visits, prescription benefits, preventative care, first dollar coverage for accidents and other benefits prior to the deductible.  Plans like this offer a low premium, with upfront benefits.  This type of plan has become more popular in the last few years.

If this kind of plan is what you are looking for, we invite you to use our eQuoter to get an instant quote to begin your search for a new health plan for yourself!  In seconds you will see the prices and be able to compare benefits of the plans available in your part of Oregon. As always, we are here to help. If you need more personalized assistance, send us an email with your information and we will be happy to send you a quote!

Insurance Deals

We are asked many times if there are any "deals" in health insurance.  The simple answer is NO.  In Oregon, the price is the price no matter where you buy a plan.  It is the same if you buy a plan directly from one of the Insurance Companies in Oregon, or if you use an agency like ours.  We charge you no fees for the work that we do.  We are paid by whichever company you choose to apply with.