Step 1: How BIA Helps
As an independent health insurance broker we are licensed by the state of Oregon to represent and work for our clients in the purchase and service of their insurance products. Unlike a captive insurance agent who represents that insurance company alone, we as a broker are independent of a specific insurance company. We work throughout the State of Oregon By using an insurance broker you pay the same price for your insurance as you would if you went directly through the health insurance company.
You will get information on many companies in one place with no bias to sell one over another. You will also receive personal customer service with any issues you may have. We hope you will take some time to look through the individual and family health insurance information we have provided for you.
Step 2: Why have Health Insurance?
Health insurance helps pay for many medically necessary services. Because medical services can be very expensive, most people want health insurance to help them get adequate medical treatment when they need it and to help them pay for it. There are many types of health-insurance policies that provide various benefits at differing costs.
When looking at your individual and family health insurance needs there are many different options out there. One of the first decisions that should be made is what style of plan fits your needs. Below is a list of different plan options and links to descriptions of each. Once you have an idea of the plan you want please click the Get A Quote link at left.
Managed Care Plans
Managed care has been around in one form or another since the 1930s, but it really took off in the last 10 years. As it grew, it evolved, leaving us with three basic types of managed care plans. Today, the majority of people with private health insurance have some type of managed care.
Although there are important differences among the different types of managed care plans, there are some similarities. All managed care plans involve an arrangement between the insurer and a selected network of health care providers, and they offer policyholders significant financial incentives to use the providers in that network. There are usually explicit standards for selecting providers and a formal procedure to assure quality care.
Three Types Of Managed Care Plans:
- PPO - Preferred Provider Organization
- HMO - Health Maintenace Organization
- POS - Point of Service Plans
- Healthly Kids Program Information
Other Styles Of Plans
- HSA - Health Savings Accounts
- SDHP - Self Directed Health Plans
- STM - Short Term Medical Plan
- Travel Medical
- Client Services
(Provider Directories, Plan Summary of Benefits, RX Formulary Lists, Applications & Apply Now)