Employees need Oregon temporary health coverage for several reasons. They could be between jobs or have only part-time employment. They also might need Oregon temp health insurance while waiting for permanent health insurance to begin. Temporary insurance provides an affordable alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Health maintenance organizations and preferred provider organizations usually do not provide health care for individuals with Oregon temporary medical insurance. Oregon generally allows temporary medical insurance policy holders to receive care from any licensed health professional, however.

Keep the following three points in mind when you are thinking about buying temporary health insurance in Oregon:

1. Gap coverage between long-term policies is the primary intent of temporary health insurance. Oregon employees should expect to obtain standard health insurance at a definite point in the future.

2. Unexpected illnesses and injuries are generally covered by temporary medical insurance. Oregon short-term health coverage usually does not apply to preventative care or routine examinations, however.

3. Temporary health insurance in Oregon is exempted by the Health Insurance Portability and Accountability Act, or HIPAA, so these carriers generally do not need to renew or issue policies to any applicant.

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

Solicit multiple quotes for Oregon temporary health insurance policies

Oregon temp health insurance premiums vary widely, but will cost more than an equivalent long-term health insurance policy.

I recommend: Get price quotes from Loewenthal Insurance for multiple companies that provide OR temporary health insurance. Loewenthal provides specific information on selecting temporary health insurance in Oregon

Examine the types of temporary health insurance policies Oregon offers

OR temporary health insurance is commonly intended for specific groups or medical conditions. You should know a given policy's intended before studying it in detail.

I recommend: Read a brief summary on various Oregon temporary medical insurance plans at CDA Insurance. The policies on this site are generally competitively priced.

Use your zip code to get personalized quotes on temporary health insurance

Your initial quote will be more meaningful when you supply personal information about yourself when you apply for temporary health insurance. Oregon residents can utilize websites that will send your application to Oregon temporary health insurance providers.

I recommend: Complete one of the online application forms for Oregon available at Gardner Insurance. This insurer also provides health insurance in Washington, Washington, Arizona, Texas and Idaho.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Your initial policy for temp health insurance in Oregon probably will be limited to six months, but your total coverage can be up to one year. The insurance company will consider several factors, including any claims that you made under the first policy and significant changes to your health when deciding to issue a second policy to you.