Which Carrier Is Best for Me?

Regency Blue Cross Blue Shield of Oregon

Blue Cross is a sound, long-standing carrier for those who want a reliable, financially stable company.  They have several networks of providers available.  For example, one is a very large network with all the doctors in Oregon; another is a limited network with just Tuality Hospitals.  In addition, there are  several others so you have choices of what works best with your lifestyle and where you live.  X-ray and lab is paid prior to the deductible and they do offer Alternative care on all of their plans.

 

Lifewise

Lifewise offers affordable plans that use a  smaller network of doctors; however, on most plans you can go in and out of network.  They do cover x-ray and lab prior to the deductible and have a wonderful rider for those who want Alternative care, dental , vision and hearing to complete your package.

There is no Alternative care on their basic plans.

 

Healthnet

Healthnet offers many plans with very low deductibles and out-of-pocket expenses. They are a very financially solid company that is nationwide.  They do not offer alternative care and have very small networks on their community plans; but if you want low out-of-pocket nothing will beat their plans.

 

Oregon Health Co-op

Oregon Co-op is  a simple approach to health care.  Everything is all-inclusive: if you go to your specialist and have a mole removed, you will not have an outpatient surgery fee.   There is no nickel and diming you to death, everything is a co-pay even the cost of a surgery.  The part that makes it a bit difficult is their website when trying to find if your doctor is in network. It is important to be very precise or call the Co-op to make certain your doctors are in network.

Alternative care is considered important, and naturopaths are covered as primary care physicians.

 

Health Republic

Health Republic uses the Providence network of doctors and hospitals. Their better plans use a medical home: this means you must use specific doctors as primary care providers to have the best benefits. Most everything is a co-pay with the exception of surgeries and non-preferred medications.

On most of their plans they do offer 25 Alternative care visits, including massage and they also offer vision benefits for adults.  One of the best things about the Health Republic is they have plans with super low out-of-pocket costs.

 

Providence

Providence has a very good system of doctors and hospitals.  Their plans are moving to a medical home model, meaning you must use their doctors or you may not have benefits.  But their plans include x-ray and lab covered before deductible.  Many plans offer adult vision, and Providence has limited Alternative care.  If you are accident prone, most of their plans have an accident rider that covers accidents at 70% or 80% before deductible.

 

MODA

MODA has the largest network of doctors in Oregon using their Connexus network .  They have several plans available with 3 different networks of doctors, and to keep costs down you can choose plans with limited doctor visits.  MODA has always found alternative care to be important, and many of their plans offer the first $1000 of accidents covered at 100%.  MODA also offers a few affordable stand-alone dental plans that start at $27 a month.

 

Pacificsource

Pacificsource  has a large network of their own doctors, and they do include Alternative care on many of their plans. If you want a low-cost, low deductible HSA this might be the company for you.  You may choose Pacificsource if you are traveling; they offer Assist America, and no one takes better care of their clients who travel.

 

Kaiser

Kaiser is one carrier you either love or hate. The nice thing about Kaiser is that all medical records are at the fingertips of the doctor you are working with; and, if you don’t like the doctor you can just see a different one next time.  A member can go see the doctor upstairs, go down stairs and have lab work and then pick up their prescription all at one location.  It can be really handy.

 

United Health Care

United health care is a large nationwide company with a large network of  doctors   They are not in the individual market in Oregon but they do cover the medicare and small group markets well.

Comments

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