An Oregon family health insurance company frequently provides insurance for the entire family through work or some other group. In some cases, you may need to place your children under their own policy or you may even need a separate policy for each family member.

Family health insurance in OR covers more people and usually provides greater coverage than an individual family health insurance company. Oregon premiums are determined considering such factors as age, gender, tobacco usage and state of residency of each family member.

There are three factors to consider when choosing Oregon family medical insurance:

1. Specific needs should be covered by any family health insurance. Oregon families with a history of poor eyesight would require a good vision plan.
2. Some services or treatments may not be covered by family medical insurance. Oregon policies may list exclusions may be listed in a separate section, but additional exclusions may also be listed throughout the policy.
3. More services than are needed may be provided by a family health insurance company. Oregon premiums may also provide insufficient coverage.

Action Steps
The best contacts and resources to help you get it done

Get quotes from multiple Oregon family health insurance providers

You will usually want to place your entire family under a single policy of family health insurance. OR companies may require a separate insurance policy for an individual with a pre-existing condition. No matter what your family situation is, seek multiple quotes from different providers before you choose a plan.

I recommend: Complete the form at InsureLane to receive a quote for family health insurance. OR quotes for family health insurance may also be obtained from IntelliQuote.

Acquire family health insurance in Oregon through a specific agent

An agent can make recommendations on family health insurance in Oregon based on the specific needs of your family.

I recommend: Go to Insurance Traders and enter your zip code for a list of insurance agents in your area. The Association of Health Insurance Advisors will also allow you to locate health insurance agents.

Choose a specific carrier from whom to obtain an Oregon family medical insurance policy

If you don't have a regular insurance broker for your family's insurance needs you may wish to choose your own provider.

I recommend: Regence Blue Cross Blue Shield of Oregon is a major provider of Oregon family medical insurance. Western States Insurance Agency is based in Oregon but also provides insurance services in Washington, Idaho and Montana.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  A local health maintenance organization (HMO) is a less expensive type of Oregon family health insurance coverage and may be the best choice for families that are basically healthy. A policy that uses point of service (POS) and preferred provider organization (PPO) plans will cost more but may be may be needed for a family member with a serious medical condition. Make sure that your family physician is a member of your network if you have this type of policy.