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Health Insurance and Pre-Existing Conditions Grants Pass OR

The terms used in the health insurance industry for coverage that will take someone with a pre-existing condition are open enrolment plans and takeover benefit's. It helps to use these specific terms when shopping for health insurance to communicate clearly the type of coverage you are seeking. Keep in mind that most U.S. health plans do not offer these features. Also, these plans have different meanings within specific health plans and both do not always go together, especially when enrolling in a new health plan without prior coverage.

Health Insurance Place
(541) 474-5020
1826 Williams Hwy
Grants Pass, OR
 
Jeff Vass
510 SW 5th Ave
Portland, OR
Company
Title: LPL Financial Advisor
Company: Meridian Financial Group
Type
Investment Advisor Rep: Yes
Service
401k Rollover From Employer,CD Alternative,Disability Insurance,Annuities,Long-Term Health Care Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Stock Market Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Management,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,IRA, 401k, Roth IRA, QDRO Rollovers,Wealth Management,Health Care Insurance,Retirement Planning,Business Succession & Liquidation Planning,Retirement Income Dist

Data Provided by:
Drug Mart Pharmacy
(541) 536-1111
51600 Huntington Road
La Pine, OR
 
COUNTRY? Financial - Kim Feer
(541) 771-6554
51530 Huntington
La Pine, OR
 
La Pine Dental Center
(541) 536-2110
51374 Hwy 97
La Pine, OR
 
Douglas Armstrong
255 Stewart Ave. Suite 101
Medford, OR
Company
Title: Investment Advisor
Company: Armstrong Wealth Management
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,Wealth Management,Medicaid,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),

Data Provided by:
Fred King, CFP
The H Group, Inc.
Portland, OR
Company
Company: Fee-Only Financial Planner ("No Commissions")
Type
Registered Investor: Yes
Education
Oregon State University
B.S., Business
Years Experience
Years Experience: 6
Service
Wealth Engineering,Income for Life/ Preserve Principal,Medicare Planning,Investment & Portfolio Management,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Fee-Only Comprehensive Financial Planning,Portfolio Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,Alternative Investments,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Pl

Data Provided by:
Bancorp Insurance Agency
(541) 536-1726
51477 Hwy 97
La Pine, OR
 
Autumn Funerals, La Pine
(541) 536-9911
51636 Huntington Rd.,
La Pine, OR
 
Farmers Insurance Rockwell Angecy
(541) 536-3655
51636 Huntington Rd
La Pine, OR
 
Data Provided by:

Health Insurance and Pre-Existing Conditions

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Health Insurance & Pre-Existing Conditions

Do you have a pre-existing medical condition? Have you been looking for insurance? Perhaps you've just moved from one job to another and are finally able to get health insurance through your employer, but you weren't previously insured and you've been under treatment for some health-related concern in this period.

At this point, it can be a tough process to find insurance once you've already proven that you need the insurance. After all, the risk you pose to the insurer has just gone up. Frankly, insurers prefer to insure people who are not likely to NEED the insurance.

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The terms used in the health insurance industry for coverage that will take someone with a pre-existing condition are open enrolment plans and takeover benefit's. It helps to use these specific terms when shopping for health insurance to communicate clearly the type of coverage you are seeking. Keep in mind that most U.S. health plans do not offer these features. Also, these plans have different meanings within specific health plans and both do not always go together, especially when enrolling in a new health plan without prior coverage.

Although this type of health insurance is available to everyone who cares to go through the steps necessary to locate an appropriate plan, the price of this coverage can be two to three times the amount of health insurance that does not offer this coverage. While most of these procedures are governed by federal law known as HIPAA, the specific procedures vary significantly from state to state.

Having said that, generally for individuals not eligible for commercial health insurance plans, there are three categories of health insurance plans that offer open enrolment and takeover of pre-existing medical conditions:

  1. Basic Health Insurance: Basic health insurance is a limited coverage plan that is available in most states. It admit's all applicants under age 70 and pays for pre-existing medical conditions after being enrolled for six months. As the name implies, this insurance covers limited items and not all medical costs. If this would meet your needs, see your state page at www.MedSave.com for information about availability, rates and enrolment.
  2. COBRA plans: COBRA is a very specific plan that is available if you are leaving a qualifying group plan. It does not apply if you have had insurance individually. If COBRA coverage might apply to you, you should contact your sponsoring employer or your group health plan directly to access benefit's.
  3. Public assistance plans: While no one wants to go ...

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Oregon State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/substance abuse, acupuncturist, ambulance transportation and services, anti-psychotic drugs, autism, autism spectrum disorder, bilateral cochlear implant, brain injury, breast reconstruction, cervical cancer/HPV screening, chemotherapy, chiropractor, clinical trial (cancer), colorectal cancer screening, contraceptives, dentist, denturist, dependent coverage (including newborns, adopted children, noncustodial children or stepchildren, dependent students/adults, domestic partner and civil union), diabetes (self-management and supplies), emergency room service, facility (public or other), family therapist, hearing aids for minors, HPV vaccine, long-term care, mammography, marriage therapist, mastectomy, maternity (including minimum stay), mental health, nurse practitioner, off-label drug use, optometrist, orthotics, physician assistant, PKU/metabolic disorder, preventive health services, prosthetics, prostate cancer screening, psychologist, smoking cessation, social worker, telemedicine, including services provided in connection with the treatment of diabetes

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