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 July 1, 2007 through June 30, 2008
Monthly family rates are based on the age of primary applicant
0 - 19 $59 $118 $164 $102
20 - 24 87 172 241 149
25 - 29 94 199 281 174
30 - 34 110 234 322 202
35 - 39 120 253 335 215
40 - 44 149 295 394 245
45 - 49 176 350 430 253
50 - 54 209 415 498 286
55 - 59 248 492 574 322
60 - 64 288 575 617 345
Beneficial Value - $2,500 Deductible
Age Insured
Only		 Insured &
Spouse		 Insured & Spouse & Child (ren) Insured & Child (ren)

Monthly rates effective July 1, 2007 through June 30, 2008
Monthly family rates are based on the age of primary applicant
0 - 19 $46 $92 $128 $79
20 - 24 68 135 189 117
25 - 29 74 156 220 136
30 - 34 86 183 253 158
35 - 39 94 198 262 169
40 - 44 116 231 308 192
45 - 49 138 274 337 198
50 - 54 164 326 390 225
55 - 59 194 386 451 252
60 - 64 226 451 483 271
Beneficial Value - $5,000 Deductible
Age Insured
Only		 Insured &
Spouse		 Insured & Spouse & Child (ren) Insured & Child (ren)

Monthly rates effective July 1, 2007 through June 30, 2008
Monthly family rates are based on the age of primary applicant
0 - 19 $35 $69 $96 $59
20 - 24 51 101 141 87
25 - 29 55 116 164 102
30 - 34 64 137 189 118
35 - 39 70 148 196 126
40 - 44 87 173 230 143
45 - 49 103 205 252 148
50 - 54 123 243 292 168
55 - 59 145 288 337 188
60 - 64 169 337 361 202
Beneficial Value - $7,500 Deductible
Age Insured
Only		 Insured &
Spouse		 Insured & Spouse & Child (ren) Insured & Child (ren)

Monthly rates effective July 1, 2007 through June 30, 2008
Monthly family rates are based on the age of primary applicant
0 - 19 $26 $51 $71 $44
20 - 24 38 75 106 65
25 - 29 41 87 122 76
30 - 34 48 102 141 88
35 - 39 52 111 146 94
40 - 44 65 129 172 107
45 - 49 77 153 189 111
50 - 54 92 182 219 126
55 - 59 109 216 253 141
60 - 64 126 252 270 151

 

Optional Prescription Drug Rider for Beneficial Value Plan
Age Insured
Only		 Insured &
Spouse		 Insured & Spouse & Child (ren) Insured & Child (ren)

Monthly rates effective July 1, 2007 through June 30, 2008
Monthly family rates are based on the age of primary applicant
0 - 19 5 10 9 14
20 - 24 7 14 12 19
25 - 29 8 17 15 24
30 - 34 9 19 16 26
35 - 39 10 21 18 28
40 - 44 12 24 20 32
45 - 49 14 28 20 34
50 - 54 16 32 22 38
55 - 59 19 38 25 28
60 - 64 23 46 28 49

 

Monthly rates effective July 1, 2007 through June 30, 2008
Monthly family rates are based on the age of primary applicant

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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