Insurance in Portland
Data source: US Census year 2000
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Uninsured in Clackamas County
Portland is in Clackamas County.
One out of ten people in Clackamas County (10.2%) lack health insurance. In the state of Oregon, 13.5% are without.
Among the population under 18 years in Clackamas County, 8.6% are uninsured, while the figure for Oregon is 10.5%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Crime and Safety in Portland
Cities are generally less safe to live in than small towns. Violent crime in Portland is 51.4% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Portland is 77.7% higher than nationally.
There are 5454 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Portland (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 76% of Portland residents drove to work, and 12% used public transport. 5% walked to work, and 2% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.
In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.
Portland, Oregon Health Insurance
With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.
Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.
One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.
While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.
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Local Health Insurance Agents in Portland, Oregon
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Buchner, David C - State Farm Insurance Agent
(503) 292-33445915 SW BeavertonHillsdale Hwy
Portland, Oregon 97221-1124 -
Chapman, Ralph L - State Farm Insurance Agent
(503) 775-67225412 SE Foster Road
Portland, Oregon 97206-3954 -
Ernest J Hill Jr Ins Agcy Inc - State Farm Insurance Agent
(503) 286-11036527 NE MLK Jr Blvd Bldg A
Portland, Oregon 97211-3033 -
Flesuras, George S - State Farm Insurance Agent
(503) 287-00274108 NE Fremont St
Portland, Oregon 97212-1954 -
Freeman, John E - State Farm Insurance Agent
(503) 228-1311910 SW 18th Ave
Portland, Oregon 97205-1727 -
Gaines, Barbara L - State Farm Insurance Agent
(503) 235-63687304 SE Milwaukie Ave
Portland, Oregon 97202-6109 -
Hagemann, Paul A - State Farm Insurance Agent
(503) 293-01057420 SW Garden Home Rd
Portland, Oregon 97223-9569 -
Harper Sr, Michael E - State Farm Insurance Agent
(503) 221-30509045 SW Barbur Blvd
Portland, Oregon 97219-4021 -
Hawkins, David L - State Farm Insurance Agent
(503) 252-222410355 NE Halsey Ste B2
Portland, Oregon 97220-3985 -
Health Net
(503) 802-700013221 Sw 68th Pkwy Ste 200
Portland, Oregon 97223-8328 -
Houser, Todd A - State Farm Insurance Agent
(503) 297-37887515 SW Barnes Rd Ste 101
Portland, Oregon 97225-6200 -
Hrabal, Alan R - State Farm Insurance Agent
(503) 531-04663164 NW 185th Ave
Portland, Oregon 97229-3402 -
Hrabal, Jerry R - State Farm Insurance Agent
(503) 645-530014095 NW Cornell Road
Portland, Oregon 97229-5405 -
Johnston, Bill - State Farm Insurance Agent
(503) 287-61227226 NE Sandy Blvd
Portland, Oregon 97213-5741 -
Julia Bodine Ins Agency Inc - State Farm Insurance Agent
(503) 669-688416521 SE Powell Blvd
Portland, Oregon 97236-1736 -
Kniskern, Neil R - State Farm Insurance Agent
(503) 252-70951203 SE 122nd
Portland, Oregon 97233-1201 -
Kondos, Michael J - State Farm Insurance Agent
(503) 661-6300250A NE 181st
Portland, Oregon 97230-6663 -
Kondos, Nicholas J - State Farm Insurance Agent
(503) 761-187413768 SE Division
Portland, Oregon 97236-2842 -
Lawson, E Chris - State Farm Insurance Agent
(503) 282-45693118 NE Broadway
Portland, Oregon 97232-1813 -
Locke Insurance Agency Inc - State Farm Insurance Agent
(503) 231-46634530 SE Hawthorne Blvd
Portland, Oregon 97215-3167 -
Lokting, John M - State Farm Insurance Agent
(503) 252-5581307 SE 102nd
Portland, Oregon 97216-2707 -
Lucich, Daniel M - State Farm Insurance Agent
(503) 287-37571607 NE 16th
Portland, Oregon 97232-1413 -
Manning Ins Agcy Inc - State Farm Insurance Agent
(503) 256-307711146 NE Halsey
Portland, Oregon 97220-2000 -
Marquez, Daniel K - State Farm Insurance Agent
(503) 253-931512622 NE Halsey
Portland, Oregon 97230-1931 -
McCreery, William H - State Farm Insurance Agent
(503) 253-211014154 SE Stark
Portland, Oregon 97233-2157 -
Menely, Douglas G - State Farm Insurance Agent
(503) 238-19038606 SE 17th Avenue
Portland, Oregon 97202-7329 -
Michael G Ferguson Ins Agy Inc State Farm Insurance Agent
(503) 227-13931110 NW Flanders Ste 100
Portland, Oregon 97209-2917 -
Nadelhoffer, Gustavus A - State Farm Insurance Agent
(503) 292-26014848 SW Scholls Ferry Rd Ste B
Portland, Oregon 97225-1631 -
Nancy Hodson Ins Agency Inc - State Farm Insurance Agent
(503) 777-67628979 SE Division
Portland, Oregon 97266-1447 -
Nogueira, John J - State Farm Insurance Agent
(503) 225-96442280 W Burnside
Portland, Oregon 97210-3522 -
Northfield, William O - State Farm Insurance Agent
(503) 775-82025915 SE 43rd Ave
Portland, Oregon 97206-6208 -
Peterson, Mark S - State Farm Insurance Agent
(503) 249-02274515 NE Sandy Blvd
Portland, Oregon 97213-1437 -
Reggie Guyton Ins Agency Inc - State Farm Insurance Agent
(503) 466-96144062 NW Saltzman Ste 201
Portland, Oregon 97229-6232 -
Rhoten, Kenneth E - State Farm Insurance Agent
(503) 230-02162900 SE Stark St Ste B
Portland, Oregon 97214-3051 -
Rich Ranf Ins Agency Inc - State Farm Insurance Agent
(503) 227-15951133 SW Market St Ste 222
Portland, Oregon 97201-3264 -
Rodman, Lawrence K - State Farm Insurance Agent
(503) 246-77537850 SW Barbur Blvd Ste D
Portland, Oregon 97219-2823 -
Roland Havens Ins Agency Inc - State Farm Insurance Agent
(503) 252-16086720 NE Glisan St
Portland, Oregon 97213-5554 -
Roman-Goldstein Ins Agency Inc State Farm Insurance Agent
(503) 222-66011 SW Columbia St Ste 002
Portland, Oregon 97258-2002 -
Spence, Michael A - State Farm Insurance Agent
(503) 761-144411916 SE Division
Portland, Oregon 97266-1037 -
Stirling, Robert D - State Farm Insurance Agent
(503) 646-592012860 NW Cornell Road
Portland, Oregon 97229-5814 -
Tallman, Donna E D - State Farm Insurance Agent
(503) 771-25796305 SE Powell
Portland, Oregon 97206-2751 -
Thompson, Carmen P - State Farm Insurance Agent
(503) 236-37762858 NE Sandy Blvd
Portland, Oregon 97232-2455 -
Ulring, Richard E - State Farm Insurance Agent
(503) 297-17291513 SW Marlow
Portland, Oregon 97225-5101 -
Zavos, Peter G - State Farm Insurance Agent
(503) 653-63928305 SE Monterey Ste 102
Portland, Oregon 97266-7728
Glossary of Terms
- Coinsurance
- amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
- Coordination of Benefits
- A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
- Copayment
- Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
- Covered Expenses
- Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
- Customary fee
- Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
- Deductible
- The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
- Exclusions
- Specific conditions or circumstances for which the policy will not provide benefits.
- Fee-for-Service
- The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
- HDHP
- High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
- HMO
- (Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
- Institutionalized
- People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
- Kaiser
- Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
- Managed Care
- Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
- Maximum Out-of-Pocket
- The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
- Noncancelable Policy
- A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
- PPO
- (Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
- Preexisting Condition
- A health problem that existed before the date your insurance became effective.
- Premium
- The amount you or your employer pays in exchange for insurance coverage.
- Primary Care Doctor
- Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
- Property crime
- Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
- Provider
- Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
- Race
- Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
- Single Coverage
- Health insurance that covers medical expenses for one person.
- Third-Party Payer
- Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
- Violent crime
- Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.
Portland Facts
Data source: US Census year 2000
Population
Population in Portland is 539,950.
78% of Portland residents are White, 7% are Asian, 7% are African-American, 3% are of some other race, 3% are a mix of two or more races, and 1% are Native American.
Economy
The median income in Portland is $30,515 for men, and $24,564 for women.
Compared to the typical person in the state of Oregon, a resident of Portland makes 5.9% more. The trend for Oregon is that the median income is increasing. (2006)
49,816 people (9% of the population) were living on an income below the poverty level as of 2006. The poverty in Portland was increasing compared to the year before.
The typical home is worth $266,800. 24% of Portland homeowners own their home outright, paying typically $475 per month in owner costs. Among those with a mortgage (76% of homeowners), the median monthly owner cost is $1,549. (2006)
Housing
There are a total of 251,348 homes in Portland. Of these, 2,770 were for sale, and 5,538 homes were available to rent in 2006. 134,101 (57%) were owner-occupied, and 100,830 (43%) were occupied by renters. (2006)
Age
The median age for men in Portland is 36, and in Oregon the average man lives to be 76. The median age for women in Portland is 37, and women in Oregon live to be 80, on average. (2006)
Education
The education level in Portland is high compared to the national average.
Among men over 25, 45% has a college degree, and 22% has some college. Out of the men that didn't study in college, 61% graduated from High School, and 39% dropped out.
Among women over 25, 45% has a college degree, and 23% has some college. Out of the women that didn't study in college, 68% graduated from High School, and 32% dropped out. (2006)
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