Oregon Health Insurance-Independent Health Insurance Agents

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

PacificSource  Elect Value

 

 

 

PacificSource was formed in 1933 as an organization of member physicians. Now that we serve all of Oregon, we put our decades of experience to work providing our customers with affordable coverage and the best possible service.

 

PacificSource Application.pdf

Preferred Provider List of Doctors and facilities

Elect Value Benefit Description

The following is a very brief outline of the plan's features. For complete information including limitations and exclusions, please Independent Health Insurance Agents and request a Summary of Benefits.

 

 
Maximum Lifetime Benefit $2,000,000
   
Annual Deductible

per person/family

 
Out of pocket limit including deductible per person
$2,500/$7500 $7,500
$5,000/$15,000 $10,000
$7,500/$22,500 $12,500
$10, 000/$30,000 $15,000

Payment to providers is based on the PacificSource fee allowances.  While participating providers accept the fee allowance as payment in full, nonparticipating providers may not, which could result in out-of-pocket expenses in addition to the percentage indicated.

 
MEDICAL BENEFITS
(not subject to the annual deductible)
  Participating Providers Nonparticipating Providers
Routine Gynecological Exams $35 copay 50% after $35 copay

 

Payment to providers is based on the PacificSource fee allowances.  While participating providers accept the fee allowance as payment in full, nonparticipating providers may not, which could result in out-of-pocket expenses in addition to the percentage indicated.

 
MAJOR MEDICAL BENEFITS
(paid after annual deductible is met)
  Participating Providers Nonparticipating Providers
Office and home visits 60% 50%
Urgent Care Visits 60% 50%
Surgeon and Assistant Surgeon 60% 50%
Physician Hospital Visits 60% 50%
Hospital Services 60% 50%
Anesthesiologist 60% 50%
Diagnostic Radiology and Lab Services 60% 50%
Radiology Services 60% 50%
Physical Therapy 60% 50%
Emergency Room Visits 60% 50%
Allergy Injections 60% 50%
Hospital Room and Board 60% 50%
Skilled Nursing Facility 60% 50%
Rehabilitative Care 60% 50%
Maternity Care, Physician Services 60% 50%
Maternity Care, Hospital Services 60% 50%
Inpatient Mental Health Services 60% 50%
Ambulance Service 60% 50%
Durable Medical Equipment/Prosthesis 60% 50%
Home Health 60% 50%
Blood and Blood Plasma 60% 50%
Transplant Services 60% 50%
Artificial Limbs and Eyes 60% 50%
Hospice and Respite Care 60% 50%
Prescription Drugs 50% No benefit

 
Well Baby Care not covered
Routine Physicals not covered
Immunizations  Not covered

 

 

Elect Value Premium Rates

Monthly premium for Elect Value is step-rated based on the age of the oldest family member on the policy. Premium rates for this plan effective January 1, 2009 are as follows.

 

 

Individual

Individual

Family

Individual

 

 

&Spouse

&Child(ren)

Age

Deductible $2,500

0-17

65
18-20 83 165 240 149

21-24

85 171 248 154

25-29

99 198 297 178

30-34

112 225 337 202

35-39

124 247 371 223

40-44

156 313 438 281

45-49

183 366 512 329

50-54

245 491 614 442

55-59

301 601 691 541

60-64

349 698 768 628

65+

349 698 768 628

 

Individual

Individual

Family

Individual

 

 

&Spouse

&Child(ren)

Age

Deductible $5,000

0-17

41
18-20 52 105 152 94

21-24

54 108 157 98

25-29

63 126 189 113

30-34

71 143 214 128

35-39

78 157 235 141

40-44

99 198 277 178

45-49

116 232 325 209

50-54

156 311 389 280

55-59

191 381 438 343

60-64

221 443 487 398

65+

221 443 487 398

 

Individual

Individual

Family

Individual

 

 

&Spouse

&Child(ren)

Age

Deductible $7,500

0-17

29

18-20 36 72 105 65

21-24

37 75 108 67

25-29

43 87 130 78

30-34

49 98 148 89

35-39

54 108 162 97

40-44

68 137 191 123

45-49

80 160 224 144

50-54

107 215 268 193

55-59

131 263 302 237

60-64

153 305 336 275

65+

153 305 336 275

 

Individual

Individual

Family

Individual

 

 

&Spouse

&Child(ren)

Age

Deductible $10,000

0-17

21
18-20 27 53 77 48

21-24

27 55 80 49

25-29

32 64 96 57

30-34

36 72 108 65

35-39

40 80 119 72

40-44

50 100 141 90

45-49

59 118 165 106

50-54

79 158 197 142

55-59

97 193 222 174

60-64

112 224 247 202

65+

112 224 247 202

 

PacificSource Application.pdf

Preferred Provider List of Doctors and facilities

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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PacificSource Application.pdf