Oregon Health Care Reform & Cover Oregon
Cover Oregon, Open Enrollment, Oregon Marketplace & Exchange
Urgent Reform Notice 11-19-2014: CoverOregon will cease to exist as we know it for new enrollment. The US Federal government has been asked to provide FFM (HealthCare.gov) services to Oregon. CoverOregon has closed for further annual enrollment period.
What Now? As of today (11-19-2014) there is an enrollment glitch with is supposed to link your subsidy amount to your premium. We are encouraging people to contact us now so when this glitch is repaired, we can easily get you enrolled. The next Open Enrollment Period is November 15th 2014 to Feb 15th 2015. This is not a lot of time for millions of Americans to be shopping, all at once. Start early! Fortunately, Pibal Insurance Brokers is already a FFM (Federal Marketplace) agency. We will continue to help you enroll, at no additional cost for your new ACA ObamaCare plans and plans off-exchange. Are you frustrated with long wait-times and unreturned voicemail to the agencies and carriers? Our services are free. contact us now to confirm enrollment eligibility.
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
Are you subsidy eligible?
|Please use the
to estimate your eligibility.
Pibal Insurance Brokers of Oregon is excited to announce that we will be operating to assist you in subsidy calculations & "On Exchange" Enrollment for FFM Marketplace plans. We help Individuals and Small Groups through the process. We will represent all carriers both "On Exchange" and "Off Exchange" with 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 and Washington. 503-287-8808
||“I would like immediate quotes and pricing online”
Easy! Simply use our free quote tool. Want to enroll on your own too? Great! You can securely enroll directly to the carrier. And if you get hung up, just call or chat! In the Exchange or outside the Exchange. 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, Obama Care Oregon & Cover Oregon.
Many new and exciting changes are now taking place in your health care. From 11-15-2014 to February 2015 we will all be entering "Open Enrollment" for your Health Insurance through “The Exchange.”
"How do I know if I qualify for ObamaCare in Oregon?”
There are now three ways to get Health Insurance & “ObamaCare.”
1. WBE (Web Based Entity) easy, fast & secure!
2. The Marketplace Pathway.
3. The Direct Enrollment Pathway.
(1.) WBE (web based entity). Pibal Insurance is excited to announce that we are a full service WBE agency providing you with the only true "Click, Quote, Enroll" option. Just like Amazon or Expedia, you can simply go to our site: www.pibalinsurance.com and easily determine subsidy eligibility, find a plan and enroll on one convenient stop! Best yet, it costs you nothing! If you have any questions along the way, simply call us (and not the government or some massive call center).
(2.) In the Marketplace pathway, agents and brokers can help qualified individuals enroll in health insurance coverage. There is NO FEE to use an agent or broker! In this pathway, the consumer logs directly into the HealthCare.gov site, using his or her own Marketplace user account. The agent or broker may assist the consumer in creating his or her account if needed, but the consumer or a legally authorized representative must create his or her own Marketplace username and password and should not share this information with third parties, including agents and brokers. Agents and brokers may NOT log in as the consumer, using the consumer’s username and password, when assisting consumers in the Marketplace pathway. After the consumer logs in, the agent or broker then works with the consumer to complete the eligibility application. The consumer is prompted to enter the agent or broker’s Federally-facilitated Marketplace user ID and National Producer Number (NPN) on the application to indicate that the agent or broker assisted the consumer.
(3.) In the Direct Enrollment Pathway, agents and brokers may connect to HealthCare.gov through QHP issuers’ or web-brokers’ websites. There is NO FEE to use an agent or broker! Through the QHP issuer’s or web-broker’s connection to HealthCare.gov, agents and brokers are able to log on to an agents and brokers landing page on the Marketplace website that is available only through direct enrollment. From there, agents and brokers may assist consumers in the Individual Marketplaces with eligibility determinations for insurance affordability programs, as well as QHP selection and enrollment. In this pathway, your NPN is electronically transmitted to the issuer when the consumers enrollment is submitted. On the next page, you will see the general steps that an agent or broker can take to assist a consumer through the direct enrollment process on an issuer’s or web-broker’s website.
“Health Insurance Exchange.” The goal, to cover Oregon, all of Oregon, regardless of pre-existing conditions!
Cover Oregon now falls under controll of Healthcare.gov. It 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 in Oregon ObamaCare plans. 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?
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 FFM Healthcare Marketplace, Cover Oregon/ Exchange directly. We can help, call today.
Why Use a Local Broker?
We can do this with you. The rates are the same whether you wish to do all of this on your own. There is no additional cost by having a local independent broker help you locate the best plan to fit your specific needs.
Also, the consequences of getting insurance incorrectly can be costly. Very Costly to the tune of $25,000, $250,000, even incarceration. Plus, *this looks a little too tricky:
When Does This Start?
November 2014 - 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 November 15th through February 2015. Updates happen frequently, call us with questions 503-287-8808.
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.
Find an agent to assist you. It's free
*image from American Action Forum 2014