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Who can apply for coverage?

Oregon residents who live in our service area map (PDF), are under age 65 and not eligible for Medicare.

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Can my employer pay my premium?

In compliance with Oregon state law, Providence Health Plan does not accept premiums from employers for individual health coverage.

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Do I have coverage while I am at work?

Our plans provide coverage 24 hours a day, seven days a week. You will be covered while you are working, unless you are required to have coverage through Workers' Compensation Act or similar law.

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Will my premium change?

Premiums are subject to an annual rate change, usually in November. Your premium may change as you move to a new age category.

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Will I be charged more if I use an insurance agent?

No, your monthly premium is the same, whether or not you use an insurance agent. The agents we appoint to represent Providence Health Plan have thorough knowledge of the coverage we offer.

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How do I pay for my coverage?

We will invoice you for your first month's premium once your application is approved and you accept our offer of coverage. Your premium is billed monthly and can be paid online at www.providence.org/billpay or by mail.

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When does my coverage begin?

Coverage will begin either the first or 15th of the month following application approval. You can request a later date to begin coverage, up to 70 days from the date you submit your application.

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Are all applications for coverage approved?

Not all applications are approved for coverage. Sometimes coverage is not offered, based on our review of your health statement.

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What if you do not approve my application?

If your application is not approved, you may be eligible for insurance through the Oregon Medical Insurance Pool (OMIP) at 1-800-848-7280 or http://www.omip.state.or.us

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Can I add a dependent after I'm enrolled?

Yes. You may add dependents age 0-25 to your policy. A separate application is required for each dependent. Dependents age 19 and older may be added to a policy, but will be subject to health status review and underwriting.

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How does Providence Health Plan protect my privacy?

We respect the privacy of our members and applicants, and have policies regarding your protected health information:

  • When you complete and sign your application, you agree that your health information may be released to determine eligibility for enrollment.
  • Once enrolled for coverage, your agreement enables us to share your health information to administer your plan benefits and pay medical claims.
  • We also may share information with your doctors or hospitals to provide medical care to you.

Please refer to our Notice of Privacy Practices for uses and disclosures of protected health information, including those required by law.

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