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Understanding Health Insurance Premiums

Since there are so many different health insurance plans available to you in Oregon, it's difficult to find an affordable plan to meet your needs. The Internet offers a great way to search for health insurance. Your search in Oregon will bring up a wide range of plans and options. Health insurance plan premiums vary greatly depending on how you want to pay for them. For example, if you want to pay a lower premium, your best option would be a plan with higher out-of-pocket costs. By way of definition, out-of-pockets costs include yearly deductibles, co-payments, and co-insurance.

Affordable Health Insurance Premium in Oregon

A health insurance premium is the flat rate or monthly fee that you pay to the insurance companies. Monthly premiums vary depending on factors like family insurance premiums and single insurance premiums. Health insurance premiums also vary based on your yearly deductible amount. The yearly deductible is the amount of money you pay before your health insurance coverage kicks in. For example, if you live in Oregon and your deductible is $500, then you have to pay $500 in doctor visits, prescriptions, and other health care needs, before your insurance company starts paying the bill. It may seem like a lot of money to pay upfront, but when you consider the high cost of health care in this country, it actually pales by comparison.

Getting Health Insurance Quotes

Co-payments are typically the out-of-pocket costs you pay for doctor visits and prescriptions. With most health insurance companies, you'll typically pay between $20 and $30 for a Oregon doctor visit, and approximately the same for a prescription. Co-insurance is a little more complicated. It is a percentage of the cost of health related services after your yearly deductible is met. For example, if your health plan approves 20% in your plan, then you'll need to pay an additional 20% of your health costs even after you pay a deductible. Let's say, for example, your yearly deductible is $500 for the year, and you've already paid it. Then, you go to see your doctors for the checkup, and he sends you a bill for $100. In this case, your insurance company will pay $80, and you pay $20. Since health insurance is a complicated matter, it's always a good idea to contact a Oregon agent to answer any questions you may have.