PacificSource Health Plans

The Elect product line includes comprehensive health plans for Oregonians who aren't covered by Medicare. If you're self-employed, you are eligible for on-the-job health coverage at no extra cost. You are not required to choose a primary care practitioner or seek referrals for specialist care. Applications for these policies are health underwritten, and coverage is offered or declined based on your health.

  • Coverage for maternity, illness and injury, and prescription drugs
  • First-dollar accident benefit
  • On-the-job coverage if you are self-employed
  • Lifetime maximum benefit of $2 million per person
  • Some plans cover preventive care, alternative practitioner services, and vision care
  • No-cost extras to help you save money and stay healthy
  • Your choice of providers; no need for referrals from a primary care practitioner
  • All provide the highest level of benefits if you choose participating providers, and reduced benefits for nonparticipating providers.
  • An extensive network of participating providers within Oregon, plus in-network coverage throughout the U.S.
  • You'll receive the highest level of benefits by using participating providers.
  • Participating providers accept benefits paid under the policy as full payment, and will not bill you for the balance (other than for deductibles, coinsurance, or copayments).

Health Plans

Elect Premiere PPO

Most expansive coverage. You'll pay just a $25 copay for preventive care, immunizations, acupuncture, naturopathic, and chiropractic care. Elect Premiere plans also include vision care. Annual deductibles range from $500 to $10,000.

Elect Preferred PPO

Comprehensive coverage. It offers first-dollar preventive care, illness, accident, alternative care, and prescription drug coverage. Most other in-network services are covered at 70% after the annual deductible. Annual deductibles range from $500 to $10,000.

Elect Value PPO

Low cost, catastrophic coverage. It offers peace of mind with basic coverage for a low monthly rate. Most in-network services are covered at 60% after the annual deductible; prescription drugs are covered at 50% after the deductible. Elect Value deductibles range from $2,500 to $10,000.

Elect FlexPerks HSA

High-deductible health plans eligible for combination with a health savings account (HSA). Learn more about HSAs and consumer-directed health plans. Elect FlexPerks plan deductibles range from $1,500 to $5,000, and preventive care is a first-dollar benefit for all except the $5,000 deductible plan. Most other in-network services are covered at 70% after the annual deductible.