National Association of Socially Responsible Organizations (NASRO) Affordable Oregon Health Insurance, Ethical Advice and Personalized Service for Individuals, Self Employed People, Sole Proprietors,
Non Profits and Small, Medium and Large Businesses, Call Our Local Pacific Northwest Office at 800-216-2505
Do You Need Less Expensive Group Health Insurance?
NASRO Can Administer Your Benefit Plans At Lower Cost
Don't Just Accept Health Insurance Company Premium Increases
 
The National Association of Socially Responsible Organizations (NASRO) of Oregon is a non-profit Co-op and third party administrator of group health, dental and vision benefits, founded in 1992. NASRO is an independent organization that takes the time to learn about your situation in depth before making recommendations. Since we are an organization of small producers we know how important a benefit health insurance is and how frustrating the cost increases are year after year. NASRO is more than just a broker, more than just a consultant. NASRO is an advocate. When small producers work together we can get more; more service, more clout taking care of problems, clearer communication that is not designed to cloud over important issues and efficient use of our health care dollars, not paying for sky boxes, entertainment and excessive executive salaries and retirement packages.
That is why we are organizing a private sector National Health Insurance Co-operative in the major metropolian areas around the country. A state like Oregon with a long progressive tradition of not being controlled by the special interests should be a part of making it happen.
NASRO Health Plans Individual Quote Request Form
NASRO Health Plans Employer Group Quote Request Form
No matter what your situation is we can help you. If you are starting a new business, are currently on an expensive COBRA plan, are not being treated fairly by a large employer who does not contribute to your benefits, have issues with the language of English, are no longer eligible for state plans, are moving to Oregon or just need to find a less expensive plan to make it through the recession, then fill out a form and make contact. The information is confidential and will not be sold or used by others.
Oregon can do a better job taking care of the needs of the small producers in the state. Individual medical underwriting needs to be eliminated, as it has been for fifteen years in Massachusetts, where NASRO has been most active. There is real value speaking to the experts and not just the member service staff of the carriers. It cost nothing extra to work with our people and you will surprised to find out that we know more about the health plans and the health insurance industry than people working in call centers under pressure to make sales.
Veteran Health Care Consultant & Consumer Advocate, Robert Gaw, NASRO President & Founder
NASRO Service
What People Are Saying About NASRO!
" I have nothing but praise for the good folks at NASRO ( National Association of Socially Responsible Organizations). If you have ever dealt with insurance providers, you know that the usual goal of a person who answers the phone is to say " no " and hang up the phone as quickly as possible. My experience with Barbara Gibson at NASRO could not have been more different.
She actually did the math on whether it would be better for me to stick with COBRA for 18 months before switching to the NASRO plan. The one time I actually had a problem with coverage for a medical condition, she not only straightened it out, but also remembered to ask me if I was feeling better after the procedure.
Deborah Elizabeth Finn
NASRO Members Include
- Community Builders Worker Co-operative
- Jobs with Justice
- Women In Film & Video
- Act Blue
- Alliance to Defend Health Care
- Health Care for All
- National Pancreas Foundation
NASRO Capabilities
- Health Insurance for Sole Proprietors
- Health Insurance for Freelancers
- Health Insurance for Small Business
- Health Insurance for Indepdent Contractors
- Health Insurance for People to Oregon from other States
- Health Insurance for People Moving to the U.S. from other Countries that have National Health
- Affordable Medical and Surgical Services for People without Health Insurance Coverage
If any of these categories describes your situation contact us for assistance. Or if you just have questions about how health insurance works in the state contact us and take advantage of our expertise.
Carriers
Individual and Small Group Health
Insurance Plans
Aetna
Lifewise
For Individuals and Families
WiseEssentails
WiseChoices
WiseSavings
Regence Blue Cross and Blue Shield
About Regence
Kaiser Permanente
About Kaiser of the Northwest
NASRO has used Kaiser since 1996 and has found them to be particularly effective at providing preventive well care to younger populations and providing good diagnosis of important chronic illnesses such as diabetes and asthma. We have also found Kaiser to be a particularly attractive alternative during major recessions, such as we are experiencing now. That is because their lower cost structure allows them to be more affordable than many other plans. When he lived on the west coast, our founder, Robert Gaw, found Kaiser to offer particularly high quality care to one of his children who faced a life threatening medical situation.
Copayment Plans
Premium Plan
Premium Rx Plan
Deductible Plans
Gold $500 Deductible Plan with Rx
Gold $1,000 Deductible Plan with Rx
Silver $1,500 Deductible Plan with Rx
Silver $2,500 Deductible Plan with Rx
Silver $3,500 Deductible Plan with Rx
Bronze $5,000 Deductible Plan with Rx
Bronze $7,500 Deductible Plan with Rx
Health Savings Account Plans (HSA)
HSA $1,500 Deductible Plan
HSA $1,500 Deductible Plan with Rx
HSA $2,600 Deductible Plan
HSA $2,600 Deductible Plan with Rx
PacifiCare/United Healthcare
Dental Plan Coverage
Regence Blue Cross and Blue Shield
Denta Care Plan for Individuals and Families
Regence Individual Dental Plan Summary
Encore, Expressions and Radiance Dental Plans
for employer groups between 2-99 employees
Regence Dental Plan Summaries
NASRO Service
What people are saying about NASRO!
I have nothing but praise for the good folks at NASRO ( National Association of Socially Responsible Organizations). If you ever dealt with insurance providers, you know that the usual goal of the person who answers the phone is to say " no " and hang up as quickly as possible. May experience with Barbara Gibson at NASRO could not have been more different.
She actually did the math on whether it would be better for me to stick with COBRA for 18 months before switching to the NASRO plans. The one time I actually had a problem with coverage for a medical condition, she not only straightened it out, but also remembered to ask me if I was feeling better after the procedure.
Deborah Elizabeth Finn
P.S. Full disclosure. NASRO does not in any way compensate me for praising it immoderately. I am just a fan.
Read the Site in Spanish or Chinese
For new Americans whose first language is Spanish or Chinese, the site is also available in those languages by clicking the link at the top left hand conner of the page. NASRO warmly welcomes the participation of everyone. The link to our member site is www.global-equality.org.
NASRO Is Working for Oregon Communities.
May 03, 2010
States Indicate Interest in Administering High-Risk Pools
By the end of Friday, officials from 28 states and the District of Columbia had informed HHS that they will administer their own high-risk pools to comply with a provision in the new health reform law, instead of allowing the federal government to implement the program for them, Politico reports.
Meanwhile, 15 states indicated that they will transfer the responsibility of administering the pools to the federal government (Haberkorn, Politico, 5/3).
Under the program outlined in the new health reform law, states are permitted to create their own pools or expand existing ones, or they could allow the federal government to implement such a pool for them. The law allocates $5 billion for the program (California Healthline, 4/27).
U.S. residents will be eligible for coverage under the pools if they have a pre-existing condition and have been without health insurance for at least six months (Levey, Los Angeles Times, 5/1).
Many of the states that opted out of the program already have pools that only need to be expanded or modified to meet the new federal requirements, Politico reports. According to Politico, most of the states that decided to use their own high-risk pools have Democratic governors, while most of the states that are defaulting to the federal government's programs have Republican governors (Politico, 5/3).
Among the states that have opted to operate their own high-risk pools are:
- California;
- Illinois;
- Maryland;
- Michigan;
- Missouri;
- New Jersey;
- Ohio; and
- Washington.
States that have chosen to let HHS run their programs include:
- Hawaii;
- Idaho;
- Louisiana;
- Nevada; and
- Tennessee.
On Friday, HHS announced the allocation of the $5 billion for the pools, according to The Hill. California will get the largest share of $761 million, while three states -- North Dakota, Vermont and Wyoming -- each will receive $8 million.
States Concerned With Potential Costs
The high-risk pools are scheduled to begin operating on July 1 and expire in 2014, when the overhaul requires private insurers to accept all applicants regardless of pre-existing conditions (Pecquet, The Hill, 5/1).
Although the deadline for states to declare their positions to HHS was Friday, several states still have not responded.
However, HHS spokesperson Jenny Backus said the agency is happy with the response. Backus added, "Whether states create these pools or the federal government creates them for states, the pools will be paid for by 100% federal dollars" (Politico, 5/3).
Concerns over the program's cost and fears that states would be responsible for some portions of it until 2014 played a key role in several states' decisions to reject the government plan, the Los Angeles Times reports.
Last month, officials from Georgia and Nebraska wrote to HHS Secretary Kathleen Sebelius expressing their concerns (Los Angeles Times, 5/1).
According to The Hill, CMS Chief Actuary Rick Foster noted in an analysis of the new reform law released last month that "by 2011 and 2012 the initial $5 billion in federal funding for this program would be exhausted, resulting in substantial premium increases to sustain the program; we anticipate that such increases would limit further participation" (The Hill, 5/1).
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