What are the major components of health insurance plans in Bend?

Health insurance plans in Bend are composed of deductibles, copays, and maximum out-of-pocket expenses. These factors establish the cost-sharing structure for policyholders' healthcare expenditures. The deductible refers to the annual threshold that policyholders must personally cover before their insurance provider starts covering healthcare expenses. A co-payment is a fixed amount applicable to each healthcare bill after policyholders have met their deductible requirements. The out-of-pocket maximum represents the annual limit on the highest amount policyholders should spend under their healthcare coverage.

When can Bend residents make modifications to their individual health insurance policies?

In Bend, individuals with health insurance policies have the opportunity to initiate, terminate, or modify their health coverage during the annual open enrollment period, spanning from November 1st to December 15th. Moreover, they can adjust their health plans through special enrollment, provided they experience a qualifying life event such as the birth of a child, marriage, or loss of coverage due to divorce.

What are the advantages and disadvantages of short-term health plans for people living in Bend?

Residents of Bend can find short-term health plans advantageous, particularly when they require temporary coverage. These plans offer significant value to individuals starting a new job since they require a probationary period before traditional benefits become accessible. Short-term health plans can provide coverage for as little as one month or extend up to six months. It is important to note that these plans exclude coverage for pre-existing medical conditions.

What is the difference between Medigap and Medicare Advantage plans that residents of Bend must know?

Residents of Bend should understand that Medicare Advantage plans combine medical and prescription benefits within a single policy. Such plans may include additional perks like vision, dental, and gym memberships. On the other hand, Medigap policies come with a minimal deductible and usually do not involve copayments for services, focusing solely on medical coverage and necessitating the inclusion of a separate prescription plan.

What are the different methods that insurance companies use to determine the pricing for Medicare Supplement plans in Bend?

In Bend, insurance companies establish the pricing structure for Medicare Supplement plans through three different methods: community-rated, issue-age-rated, and attained-age-rated approaches. In community-rated plans, the cost remains constant, irrespective of the individual's age or gender. The age of the enrollee at the time of registration is what determines the Medigap premium for issue-age-rated policies. In attained-age-rated premiums, the premium amount rises as the individual ages.

2025

Last updated: March 27, 2025

Best Health Insurance Agencies in Bend, OR

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Best Health Insurance Agencies Serving Bend

740 NE 3rd St. Suite 3-194, Bend, OR 97701

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Why choose this provider?

Bend Health Insurance offers a range of risk management solutions to policy buyers in the Bend metro. It provides health insurance policies and dental and vision coverage for individuals, families, and groups. Medicare Supplement, Advantage, and prescription drugs coverage are available. Bend Health Insurance also carries short-term medical coverage, travel health policies, health coverage for immigrants, and health savings accounts. In addition, the brokerage has insurance plans for homes and automobiles.

An insurance agent for more than a decade, Steve Thill with AIC Insurance Agency offers health insurance solutions to individuals and families in Bend. Steve's insurance policies seek to safeguard the health of policyholders and their families by eliminating the substantial financial risk when clients are faced with costly medical care. The agent also provides health insurance plans to businesses and organizations to secure financial protection for their employees and members in case of unexpected injuries.

Compare our Top Health Insurance Agencies

Name	Address	Learn more
Bend Health Insurance	740 NE 3rd St. Suite 3-194, Bend, OR 97701	View More
Health Insurance Strategies, LLC	320 SW Upper Terrace Drive, Suite 101, Bend, OR 97702	View More
Paul Finch	1050 SE 3rd Street, Bend, OR 97702	View More
Jim Bowlin	2214 NE Division, Ste 109, Bend, OR 97703	View More
Blake Ettestad	145 NE Revere Avenue Suite 2, Bend, OR 97701	View More
Steve Thill with AIC Insurance Agency	1824 NE Division St. Suite F, Bend, OR 97701	View More

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Bend, OR Health Insurance FAQs

What are the major components of health insurance plans in Bend?
Health insurance plans in Bend are composed of deductibles, copays, and maximum out-of-pocket expenses. These factors establish the cost-sharing structure for policyholders' healthcare expenditures. The deductible refers to the annual threshold that policyholders must personally cover before their insurance provider starts covering healthcare expenses. A co-payment is a fixed amount applicable to each healthcare bill after policyholders have met their deductible requirements. The out-of-pocket maximum represents the annual limit on the highest amount policyholders should spend under their healthcare coverage.
When can Bend residents make modifications to their individual health insurance policies?
In Bend, individuals with health insurance policies have the opportunity to initiate, terminate, or modify their health coverage during the annual open enrollment period, spanning from November 1st to December 15th. Moreover, they can adjust their health plans through special enrollment, provided they experience a qualifying life event such as the birth of a child, marriage, or loss of coverage due to divorce.
What are the advantages and disadvantages of short-term health plans for people living in Bend?
Residents of Bend can find short-term health plans advantageous, particularly when they require temporary coverage. These plans offer significant value to individuals starting a new job since they require a probationary period before traditional benefits become accessible. Short-term health plans can provide coverage for as little as one month or extend up to six months. It is important to note that these plans exclude coverage for pre-existing medical conditions.
What is the difference between Medigap and Medicare Advantage plans that residents of Bend must know?
Residents of Bend should understand that Medicare Advantage plans combine medical and prescription benefits within a single policy. Such plans may include additional perks like vision, dental, and gym memberships. On the other hand, Medigap policies come with a minimal deductible and usually do not involve copayments for services, focusing solely on medical coverage and necessitating the inclusion of a separate prescription plan.
What are the different methods that insurance companies use to determine the pricing for Medicare Supplement plans in Bend?
In Bend, insurance companies establish the pricing structure for Medicare Supplement plans through three different methods: community-rated, issue-age-rated, and attained-age-rated approaches. In community-rated plans, the cost remains constant, irrespective of the individual's age or gender. The age of the enrollee at the time of registration is what determines the Medigap premium for issue-age-rated policies. In attained-age-rated premiums, the premium amount rises as the individual ages.

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Best Health Insurance Agencies in Bend, OR