A health insurance customer who is smart enough has a very clear idea of the fact that insurance costs are actually a combination of all those costs and expenses that need to be balanced. Hence the cost considerations of the oregon health insurance plans happen to be a combination of these. Each of the monthly premiums which are supposed to be subtracted from the paycheck every month, the amount that is deducted from the pay check is just one portion of the total premium amount that you are supposed to pay. The rest of the amount of the premium is paid by the employer and the insurance company who work in a close collaboration in this case. All the office visits and the expenses of the prescription drugs and the co-pays that may vary from one insurance plan to another are also a part of the calculation. But the co-pay remains constant once the insurance customer chooses on a particular plan. These may be as little as no co-pay at all or sometimes even goes up to $50 on a per visit basis, again depending on the plan he or she chooses. The deductibles are also included within this calculation which again varies from plan to plan. The deductible is the total amount of money that the policy holder needs to pay for his care before the period from when the oregon health insurance commences. Read the rest of this entry »