Oregon Health Insurance-Independent Health Insurance Agents

Portland (503)231-6399  Toll Free (888)426-9544

ODS Beneficial Option

 

 

 

 

ODS-has been marketing Health Plans for over 45 years in Oregon.

Apply for ODS Insurance OnLine

ODS  Application (paper)

 

Beneficial Value (PPO)

The Beneficial Value plan is suited to individuals shopping for a lower premium cost. The Beneficial Value plan offers catastrophic coverage and also waives the deductible for preventive care and the first three office and alternative care visits per plan year.

Benefit Summary
 Plan year deductible options $1,000 / $2,500 / $5,000 / $7,500
  Member Responsibility
In Network Out of Network
Out of pocket maximum, per person (after deductible) $5,000 $10,000
Preventive Care
Annual women's exam — pap, pelvic, breast $25 co-pay* 50%
Women's routine mammogram $25 co-pay* 50%
Well-baby care $25 co-pay* Not covered
Routine physical exams $25 co-pay* Not covered
Immunizations $0 co-pay* Not covered
Professional Services
Office visits First 3 at $25** 50%
Alternative Care ($1000 Annual Benefit Maximum):
Chiropractic, Naturopathic and Acupuncture		 First 3 at $25** 50%
Maternity
All pre/post office visits and doctor delivery; hospital charges 30% 50%
Hospital Services
Inpatient and outpatient surgery; room, ancillary and
physician charges; skilled nursing facility care		 30% 50%
Emergency Services
Urgent care First 3 at $25** 50%
Emergency room (deductible applies) 30% after
$100 co-pay
Ambulance 30%
Other Facilities and Services
Lab and X-ray services; rehabilitation services; medical supplies and devices; in-hospital care; home healthcare 30% 50%
Prescription services optional***

Lifetime maximum

 $2,000,000 ($250,000 out-of-network)

*Deductible waived.

**Beneficial plans pay first three office visits with a co-payment, which may be used for either office visits or urgent care for illness and injury. Alternative care includes an additional three visits with a co-payment. Thereafter, the deductible and co-insurance apply for additional office visits and alternative care.

***Can purchase prescription rider separately; benefit is $15 generic or 50% brand, $2,000 maximum benefit; deductible waived.

Beneficial Value Rates

Beneficial Value - $1,000 Deductible
Age Insured
Only		 Insured &
Spouse		 Insured & Spouse & Child (ren) Insured & Child (ren)

Monthly rates effective November 1, 2008 through October 31, 2009
Monthly family rates are based on the age of primary applicant
0 - 19 $64 $129 $179 $111
20 - 24 95 187 262 162
25 - 29 102 217 306 189
30 - 34 120 255 351 220
35 - 39 131 276 365 234
40 - 44 162 321 429 267
45 - 49 192 381 468 276
50 - 54 228 452 542 311
55 - 59 270 536 625 351
60 - 64 314 626 672 376
Beneficial Value - $2,500 Deductible
Age Insured
Only		 Insured &
Spouse		 Insured & Spouse & Child (ren) Insured & Child (ren)

Monthly rates effective November 1, 2008 through October 31, 2009
Monthly family rates are based on the age of primary applicant
0 - 19 $50 $100 $139 $86
20 - 24 74 147 206 127
25 - 29 81 170 240 148
30 - 34 94 199 276 172
35 - 39 102 216 285 184
40 - 44 126 252 335 209
45 - 49 150 298 367 216
50 - 54 179 355 425 245
55 - 59 211 420 491 274
60 - 64 246 491 526 295
Beneficial Value - $5,000 Deductible
Age Insured
Only		 Insured &
Spouse		 Insured & Spouse & Child (ren) Insured & Child (ren)

Monthly rates effective November 1, 2008 through October 31, 2009
Monthly family rates are based on the age of primary applicant
0 - 19 $38 $75 $105 $64
20 - 24 56 110 154 95
25 - 29 60 126 179 111
30 - 34 70 149 206 129
35 - 39 76 161 213 137
40 - 44 95 188 250 156
45 - 49 112 223 274 161
50 - 54 134 265 318 183
55 - 59 158 314 367 205
60 - 64 184 367 393 220
Beneficial Value - $7,500 Deductible
Age Insured
Only		 Insured &
Spouse		 Insured & Spouse & Child (ren) Insured & Child (ren)

Monthly rates effective November 1, 2008 through October 31, 2009
Monthly family rates are based on the age of primary applicant
0 - 19 $28 $56 $77 $48
20 - 24 41 82 115 71
25 - 29 45 95 133 83
30 - 34 52 111 154 96
35 - 39 57 121 159 102
40 - 44 71 140 187 117
45 - 49 84 167 206 121
50 - 54 100 198 238 137
55 - 59 119 235 276 154
60 - 64 137 274 294 164

 

Apply for ODS Insurance OnLine

ODS  Application (paper)

 

Privacy Statement- This request will be absolutely confidential.  The information will not be sold, given away or used for any other purpose but to mail or email requested information.

Information Request Form

This is not an application for insurance.  In the state of Oregon, Individual Health Insurance plans must be approved in the underwriting stage of the insurance application.  This might take a few weeks to complete.  Please leave your name address and questions and any information that you would like.

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