Oregon Health Care Reform & Cover Oregon
Cover Oregon, ORHIX, Oregon Health Insurance Exchange
UPDATE: March 2014
CoverOregon is not 100% electronic-operational at this time.
Many industry experts are encouraging Oregonians to wait until many of the issues of enrollment are repaired. Due to the high amount of very detail specific private information required to enroll (race, ethnicity, Social Security Numbers, Address, DOB, and tax/income) there is a very real concern for our clients faxing/ forwarding this information to various government bodies over unsecured fax lines and other personnel along the many processes. We are encouraging our customers to contact us directly to confirm enrollment eligibility.
For Individuals/Families looking for 2014 coverage with CoverOregon, the deadline to apply is March 31st 2014. Currently, CoverOregon is asking Oregonians to FAX paper applications to a fax number. It is viewed as unsecure and unadvisable at this time. The Federal exchanges are still not quite 100% glitch-free operational, the state exchanges are operating on a very limited intermittent functionality.
In the interim, many Oregonians are simply purchasing QHP (Qualified Health Plans) now which will tide them over until end of 2014, opting to sit this first "open enrollment" out.
Lastly, if you are needing insurance for a short, predetermined amount of time, many clients have used an affordable "Short Term Medical" policy. https://www.worldtrips.com/quotes/stm/secure/Step1a.aspx?AgentId=25329
URGENT NOTICE: Pibal Insurance Brokers of Oregon is excited to announce that we will be operating with a WBE (Web Based Entity) to assist you in subsidy calculations & "On Exchange" Enrollment for Cover Oregon. We help Individuals and Small Groups through the process. We will represent all carriers both "On Exchange" and "Off Exchange." 3 Simple Options!
||“I would like to discuss my options with an expert”
Perfect! We’re local. A quick phone call, to a real live human right here in Oregon. 503-287-8808
||“I would like immediate quotes and pricing online”
Easy! Simply use our quote & enrollment direct link. In the Exchange or outside the Exchange. You can see your subsidy and plan choices and apply directly. Should you get stuck and need help, we’re right here.
||“I would like a quick online chat to pursue my best options”
Great! Use our IM Live Chat in the lower left corner. Let us know what you’re looking for and we can happily provide answers and solutions.
A Local Independent Broker
Provides a simple overview of Oregon Insurance Reform & Cover Oregon.
Many new and exciting changes are now taking place in your health care. From 10-1-2013 to 3-31-2014 we will all be entering "Open Enrollment" for your Health Insurance through “The Exchange.” Another term locally for the exchange is called "Cover Oregon."
What is “Cover Oregon?”
Oregon is on the cutting edge of Health Care Reform! And in that famous pioneering spirit, Oregon is one of the first states to create our own “Health Insurance Exchange.” The goal, to cover Oregon, all of Oregon, regardless of pre-existing conditions!
Cover Oregon is simply a tool to help consumers locate a plan, determine subsidy (if any) and obtain a health insurance plan “Within the Exchange.”
We know it will be confusing at first and people will have questions. Fortunately, you will still be able to use a broker to assist you in enrolling into Cover Oregon. Our services cost you nothing and the rates are the exact same. We are happy to report that yes, we will still offer insurance plans outside of The Exchange too! You're not alone, we can help. We represent all carriers both within the exchange and outside of the exchange!
What are the Costs?
Nobody knows for certain the costs for plans or what (if any) the rebates will look like. Your rates and subsidies are based on estimated annual income levels with the federal governments Federal Poverty Level (FPL). Business owners concerned with potential increases are encouraged to call us for options & costs of offering a traditional group plan vs employees go onto Cover Oregon/ Exchange directly. We can help, call today.
Why Use a Local Broker?
We can do all of this for you. The rates are the same whether you wish to do all of this on your own. Use our simple online link to determine subsidy, plans & costs for you. There is no additional cost by having a local independent broker help you locate the best plan to fit your specific needs/budget.
In the meantime, the State of Oregon has a subsidy calculator to see what your real premium will be and if you are eligible for subsidy assistance: http://coveroregon.com/calculator.php
When Does This Start?
October 2013 - With the implementation of the Health Exchange "Cover Oregon" you will only be able to purchase your health insurance during "open enrollment" much like Medicare. Open Enrollment to purchase or change your insurance will be from October through February. Updates happen frequently, call us with questions 503-287-8808.
UPDATE: Unless you have an older "grandfathered plan" your existing health plan may have terminated as soon as December 31st 2013.
Call today for real information
Pibal Broker Tip: Even with Cover Oregon, you can still have your own personal broker, who will work for you to assist in your enrollment for "Cover Oregon" aka the exchange. Our services cost you nothing extra!
Why try calling some distant phone number to try to get information from a non-descript government agency or calling some far off 800 number to an out of state “agent” when you can have an advocate, right here in Oregon explaining these changes in layman’s terms.
Call today to find out about the latest developments in HealthCare Reform, Cover Oregon & The Exchange.