> Exclusive Provider Organization (EPO) EPOs allow subscribers to visit any physician within the contracted network without prior approval or referrals. Services received outside the network may not be covered.
> Employment practices This kind of coverage will help defend against employment-related claims such as sexual harassment, age discrimination, or wrongful termination. Some policies offer legal assistance; others may pay both legal costs and damages.
> Flood Coverage for damage caused by floods is not included in ordinary homeowners and commercial policies, but must be added as an endorsement. Flood insurance, which also covers damage caused by mudslides, is available through a program run by the Federal Insurance Administration; contact your agent or call (800) 427-4661 for more information.
Most individuals go through a number of life events that affect their health benefit needs and the choices they make. There are several important federal laws that affect your benefits under a job-based health plan.
HIPAA protects individuals who have preexisting conditions, helping them to keep coverage for those conditions or get coverage for them in no more than 12 or 18 months through limits on the length of preexisting condition exclusions. HIPAA also helps individuals who might suffer discrimination in health coverage on the basis of health status when they change jobs.
COBRA generally requires that most group health plans of employers with at least 20 employees offer employees and their dependents the opportunity to continue their health plan coverage for limited periods of time when the employee loses his or her job or has a reduction in hours that would result in a loss of coverage.
If you live in the following cities and need an Insurance Advisor or to get a
quote, you should contact our Oregon Insurance Advisors today:
Albany
Ashland
Beaverton
Bend
Canby
Central Point
Clackamas
Coos Bay
Corvallis
Cottage Grove
Dallas
Eugene
Forest Grove
Grants Pass
Gresham
Hermiston
Hillsboro
Hood River
Klamath Falls
La Grande
Lake Oswego
Lebanon
Mcminnville
Medford
Newberg
Ontario
Oregon City
Pendleton
Portland
Prineville
Redmond
Roseburg
Salem
Sherwood
Springfield
The Dalles
Troutdale
Tualatin
West Linn
Wilsonville
Woodburn
Did You Know?
Generally, you must report as income any amount you receive for your disability through an accident or health insurance plan paid for by your employer.
If both you and your employer have paid the premiums for the plan, only the amount you receive for your disability that is due to your employer's payments is reported as income. If you pay the entire cost of a health or accident insurance plan, do not include any amounts you receive for your disability as income on your tax return. If you pay the premiums of a health or accident insurance plan through a cafeteria plan, and the amount of the premium was not included as taxable income to you; the premiums are considered paid by your employer, and the disability benefits are fully taxable.
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Latest News
Latest Insurance related news in
Oregon and nationwide:
Mar 02, 2007 - Mental Health Parity Act The Mental Health Parity Act, MHPA, of 1996 requires plans that offer mental health benefits to set lifetime dollar limits Read more >
Jul 14, 2006 - NCUA Issues Interim Rule Amending Share Insurance Coverage The NCUA Board has issued an interim final rule amending share insurance to clarify coverage and implement changes require Read more >
Jan 18, 2006 - Progressive Group, Drive Insurance Company NEW YORK (January 12, 2006) — Drive® Insurance from Progressive ("Drive") Group President Bob Williams ra Read more >
Legal Disclaimers The information provided on Oregon Insurance Advisors.com is not intended to be insurance advice, but merely conveys
general information related to insurance issues commonly encountered.
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