INDIVIDUAL HEALTH PLANS
Moda is one of only a few companies that add Alternative Care to their plans, and some plans also include a first-dollar $1000 Accident Rider at no additional cost. Before you read about price and coverage, let's talk about Provider Networks:
Beacon Network: The Beacon Network in the Portland area has a broad range of providers, but the Contracted Hospitals include Adventist, OHSU, and Tuality.
Cornerstone Network: The new Cornerstone Network includes the Legacy Hospitals: Emmanuel, Meridian Park, Mt. Hood Medical, Good Samaritan. However, if you use providers in the Legacy Network, you may consider PacificSource a better choice.
First Health Travel Network: When you travel outside of Oregon, you can see providers in this large travel network. Just search by visiting the website or calling customer service for assistance. PacificSource is the only plan for 2019 with coverage 'out of network'.
ARE YOU ELIGIBLE FOR A TAX CREDIT?
The Marketplace link below will allow you to enter your family size (2019 tax dependents), and projected income for 2019 to see if you qualify for a tax credit. If you apply directly with Moda, you cannot qualify for a tax credit.
2019 Moda Medical & Dental Brochure-Browse Now
The brochure below is for the Moda plans in the greater Portland areas and counties. There is another set of plans for the outer Oregon counties. Please note the Beacon and Cornerstone plans use a different provider network.
Click on the link below to read about the Medical and Dental plans, including the rates:
2 Options to Enroll: Marketplace or Direct
Advantages of Enrolling through the Marketplace.
Even if you don't qualify for a tax credit, you can apply through the Federal Marketplace at http://www.healthcare.gov . Here are 4 advantages:
1. EASE OF APPLICATION:
The process is paperless, and each year you can easily select a new plan. It's easy to also put different family members on different company plans or policies. Call me at 503-650-4235 and we can do the Marketplace application together via screen-share/phone or in person. If you decide to do the healthcare.gov application on your own, please consult with me first as it is easy to make a costly error.
2. TAX CREDITS:
The Marketplace is the only way to claim the tax credits. Even if you don't qualify when you apply, you may later on in the year if your health or income changes. I've had a few clients make costly mistakes when their income dropped mid-year.
3. IF YOU SHOULD APPLY OR RENEW ON YOUR OWN:
The Marketplace application asks "Is a Professional helping you complete this application?" Here I appreciate you saying yes, then adding my agent name, Dan Neils, and NPN number, 757811. This allows me to be compensated at no cost to you, and appoints as your broker should you need help during the year.
4. I'M HERE TO HELP:
Should you like my help enrolling or completing the annual enrollment I am at your service. Just call me at 503-650-4325 or email me at email@example.com to set up a phone time or in person. I can complete an application in 1/6 the time you can do so alone, and I can help you avoid common mistakes that are easy to make in an unfamiliar application.
Enroll Direct using my Broker Link
If you qualify for a special enrollment situation and want to apply directly because you don't trust the Marketplace (or other reasons), you can enroll directly by using my broker link below:
If you want to apply directly with a paper application call Dan Neils at 503-650-4325 or email me at firstname.lastname@example.org
SEARCH FOR PROVIDERS IN THE BEACON NETWORK
You can check providers using the link below to search the online provider link:
Prescription drug information
When you have expensive prescription drugs it's important to see what drugs are on the Formulary and at what tier. The page you can find these answers is below:
Moda Customer service: 888-393-2940
Moda Billing & Eligibility: 503-265-5696
Delta Dental Customer Service 800-452-1058
Dan Neils 503-650-4325 email@example.com