There are many factors involved in finding a quality health insurance policy, but just the sheer available selection can be intimidating for anyone. If you’re not afforded health insurance by an employer, or if you don’t like the coverage that is offered, you’ll have to go out and find your own insurance coverage. Fortunately, you don’t have to do it alone. To help you get started, here are some quick tips and things that are often overlooked. If you know what to watch for, you’ll have an easier time going through the process on your own. Plus, if you still feel like you need a little extra assistance, you can enlist the help of an independent insurance agent to help you navigate the waters of health insurance in Oregon.
Watch the Deductibles
When it comes to buying health insurance in Oregon, one of the biggest things residents find is that they end up having higher deductibles than they realized when they purchased the policy. This is usually discovered when they try to file a claim and are told they have to pay $1,000, $3,000, or even $5,000 out of pocket before insurance kicks in. It might cost an extra $25 or $50 a month, but you can cut your deductible in half and pay less out of pocket so that your medical bills are covered.
Individual vs. Family Coverage
When you are buying health insurance, you’ll also have the choice between an individual policy and family insurance. In Oregon, these are sold as separate policies and may have different limits, regulations, and limitations. It’s important to read all of the fine print and apply for the right type of insurance to avoid any issues down the road. If you aren’t exactly sure what you need, don’t hesitate to ask for help.
Consider Your Needs
The one thing that people don’t often think about with health insurance is how much they’ll use. If you don’t go to the doctor a lot, don’t take medications, and are fairly healthy, you might not need a policy with as much coverage as someone who has more health needs. There are options for just about everyone, and you’ll want to compare all aspects of the policy to figure out what works best for you.
Talk to People Who Care
Call the team at Monte Johnson Insurance to discuss your health insurance needs and get a policy started. We’ll help you understand the available policies, when you can enroll in health insurance in Oregon, and how to pick the best plan for your needs.
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We've been serving Klamath Falls, Oregon and Tulelake California since the Mid-80's.
Monte Johnson Insurance was established in Tulelake in the Mid-80's.