2007-03-15 13:58:21 · 6 answers · asked by believe me 3 in Business & Finance ➔ Insurance
Believe Me,
Check out this site!
http://www.qualitymedicalcare.org
You can locate a provider in your area and apply for membership all at the same site!
Good luck!
2007-03-19 07:27:56 · answer #1 · answered by Sheree H 3 · 0⤊ 0⤋
Oregon individual health insurance rates are based on home zip code, age of the applicant(s), health history, and other factors.
Your best bet to find a comprehensive and affordable health plan is to compare at least 3 different health insurance companies quotes side by side and then speak with an independent health insurance agent about the best option for your particular situation.
2007-03-15 21:15:11 · answer #2 · answered by LMR 1 · 1⤊ 0⤋
If gas prices had escalated at a similar rate as hospital costs we'd be paying in excess of $70 per gallon today. The answer to the first part of your question is multi-facted. Insurance companies dictate the costs for the most part. They determine which tests you will receive for which complaints. Drs are mandated to abide by the decisions of the insuance companies or risk losing the license. Lawsuits are another big factor. There are bound to be mishaps in the medical industry since humans are not perfect and mistakes do happen. The astronomical costs for malpractice insurance force many Drs to work in group settings and to follow guidelines they prefer to avoid but have no choice.
Another factor is the welfare system. The medical community loses money on public aid patients so to recoup their losses the paying customer pays much more. Since medical care is free for those with a public aid card many abuse the system and take advantage of the emergency room for every minor scratch and headache, thus raising the costs for others more and more. Drs have a limit on how many patients with Medicare and Medicaid they can accept due to the loss of revenue. They balance it by the paying patients, so that even those with insurance pay a large amount to cover for the losses elsewhere.
Many health departments have lower costs but even those are quite exorbitant now. Walk in clinics usually have a set rate of $25 or so plus more for certain procedures but they seem to the be the most affordable route. Drawback is no continuity of care. The healthcare system is badly in need of some revisions. More and more people end up on public aid each day because they are unable to pay for medical care. Before long there will be more people on public aid than those left paying taxes to support the system and the system will end up imploding upon itself.
Since I'm not in the Oregon area I have no suggestions to offer for a decent health care plan for you there. Looking online gives you an opportunity to do comparisons. Sorry I can't offer more help but thanks for letting me vent! :-)
2007-03-15 21:20:06 · answer #3 · answered by CosmicKiss 6 · 0⤊ 0⤋
Health are will NEVER be affordable for everyone - because some people will ALWAYS refuse to spend money on the insurance premiums (funny, though, they never complain about spending $5 a pack on two packs a day for cigarettes, or $20 a week on lottery tickets.)
2007-03-16 01:31:37 · answer #4 · answered by Anonymous 7 · 1⤊ 2⤋
Health insurance is like any other type of insurance - you can reduce the coverages to reduce the cost. Or you can increase the deductible to reduce the cost. Its just a matter of deciding how much co-pay and deductible you can handle.
2007-03-15 23:45:36 · answer #5 · answered by Anonymous · 1⤊ 0⤋
some cheap companies
2007-03-18 17:10:48 · answer #6 · answered by Anonymous · 0⤊ 0⤋