I'm looking for health insurance.?

Question

I'm 63, retired. I've found a couple of companies in Oregon that will cover me with a catastropic insurance policy. They are willing to add common coverage such as doctor's visits, hospital, preventative exams, etc. for fees. That is, a fee for each of them.

I prefer no deductable. Is that possible at a reasonable cost?

How can I sort through the mess and determine which company is reputable? Prices are all over the place.

Oh, yes.... I am in great health, no prescriptions, annual check ups only.

Answer 1

if you visit http://www.COMPAREusINSURANCE.com and enter your zip code they will bring back all the major insurance companies and show their lowest price available . . .

Answer 2

Check out http://www.myspace.com/healthshop

They can help you get a plan fast and easy.

Answer 3

unfortunately, age is a factor in rates.. and the older you are, the more expensive independent policies are. and, for a plan with no deductible, you are facing a high premium. generally, a catastrophic plan will always have a deductible (at least here in CA) so i dont know that you will find a policy like you have described.

i would recommend seeking the help of an independent agent who does not work for an insurance company. they are licensed to help people such as you find a policy that fits their needs.

Answer 4

There are quite a few top notch health insurance companies offering policies in Oregon.

Be sure to choose a reputable company like a Blue Cross, United Healthcare, Humana, Aetna, etc.

Compare quotes from at least 3 different companies side by side in order to find the best rate.

You shouldn't have any problems at all finding a relatively cheap policy from a reputable company because of your excellent health but you will probably want to choose a plan with a higher deductible (you can always choose a plan with copays for doctor visits and prescriptions if you like that way you don't have to satisfy your deductible before you get a copay for prescriptions and doctor visits).

Here is some more information how to choose the best health insurance company and also some information on Oregon health insurance specifically:

Answer 5

I would contact www.costco.com  and under member services you will see a link for health insurance. They have a variety of individual plans,and will work with you to get the best one suited for your needs, They only use companies that have high ratings. We have been with them for about 5 years now and are extremely happy with ours. Awesome customer service too. God luck, I hope ou find exactly what you need through them.

My daughter is one of their specialist who is licensed for Oregon and you may reach her at 1-800-611-9056. Ask for Lisa. She'll set you up! Good Luck