Moda Health Insurance Review & Ratings (2024)

Discover affordable and comprehensive health insurance plans for individuals, families, and businesses with Moda Health Insurance. Protect your health and financial well-being with our trusted coverage options tailored to meet your specific needs. Find peace of mind knowing you have access to quality healthcare services when you need them most.

UPDATED: Nov 27, 2023Fact Checked

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

UPDATED: Nov 27, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Nov 27, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 27, 2023Fact Checked
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Moda Health Insurance

Average monthly rate for healthy individuals:

$100

A.M. Best rating:

B++

Complaint level:

Low

Pros

  • Long-standing history since 1955
  • Commitment to providing quality healthcare services at an affordable cost
  • Diverse range of health insurance plans
  • Emphasis on wellness and disease prevention, offering wellness programs and resources
  • User-friendly claims filing process with online, phone, and mobile app options
  • Various discounts available to make healthcare more affordable

Cons

  • Mixed customer reviews with reported challenges in claims processing and cost concerns
  • Limited availability in select states, primarily in the Pacific Northwest

Final Verdict: Review of Moda Health Insurance

Moda Health Insurance is a health insurance provider that has been serving customers in the Pacific Northwest region of the United States since 1955. The company’s mission is to improve the health of the communities it serves by providing high-quality, affordable healthcare coverage.

Moda Health Insurance offers a variety of plans, including individual and family plans, Medicare Advantage plans, and employer-sponsored plans. Customers can choose from a range of options to find the plan that best fits their needs and budget.

While Moda Health Insurance has a strong provider network and offers a variety of plan options, customer reviews are mixed. Some customers report positive experiences with the company’s customer service team, while others have reported difficulties with claims processing and high costs.

Moda Health Insurance offers several discounts and cost-saving options to help make healthcare more affordable for its customers, including a multi-plan discount, wellness program discounts, and provider network discounts.

What You Should Know About Moda Health Insurance

Address: 601 SW Second Avenue
City: Portland
State: OR
ZIP Code: 97204
Phone Number: (503) 228-6554
Fax: (503) 948-5557
Website: modahealth.com

AM Best Rating: B++

Welcome to our informative article on Moda Health Insurance and the comprehensive coverage options it offers. We will delve into the key topics surrounding Moda Health Insurance, including its affordable plans for individuals, families, and businesses.

We will explore the importance of having reliable health insurance to protect both your health and financial well-being. You will learn about the tailored coverage options provided by Moda Health Insurance, ensuring that your specific needs are met. To make an informed decision and find the best rates, we invite you to enter your zip code and compare quotes from the top insurance providers.

Moda Health Insurance History and Mission

Moda Health Insurance was founded in 1955 as ODS Companies, a dental insurance company. Over the years, the company expanded its offerings to include health insurance plans. Today, Moda Health Insurance is based in Oregon and offers a range of health insurance plans to individuals and families in select states.

The mission of Moda Health Insurance is to provide quality healthcare services to its customers at an affordable cost. The company is committed to promoting wellness and disease prevention, and it offers various wellness programs and resources to its customers.

Moda Health Insurance also strives to provide excellent customer service and to make the healthcare experience as easy and stress-free as possible for its customers. The company believes in being transparent and providing clear information about its plans and services, so that customers can make informed decisions about their healthcare coverage.

Moda Health Insurance Coverage Options

Moda Health Insurance offers a range of health insurance plans to individuals and families in select states. Here are the main products and services offered by the company:

  • Individual and family plans: Moda Health Insurance offers individual and family plans that provide coverage for essential health benefits, such as doctor visits, prescription drugs, and hospital stays. These plans are available in Oregon and Alaska.
  • Medicare advantage plans: Moda Health Insurance offers Medicare Advantage plans that provide comprehensive healthcare coverage to Medicare beneficiaries. These plans are available in Oregon and Washington.
  • Employer-sponsored plans: Moda Health Insurance offers employer-sponsored plans to businesses in Oregon and Alaska. These plans provide comprehensive coverage for employees and their families.
  • Dental plans: Moda Health Insurance offers dental plans that provide coverage for preventive care, restorative care, and major services. These plans are available in Oregon and Alaska.
  • Vision plans: Moda Health Insurance offers vision plans that provide coverage for eye exams, glasses, and contact lenses. These plans are available in Oregon and Alaska.
  • Pharmacy benefits management: Moda Health Insurance offers pharmacy benefits management services to help customers manage their prescription drug costs.
  • Wellness programs: Moda Health Insurance offers various wellness programs and resources to its customers, including smoking cessation programs, weight management programs, fitness programs, and more.

In what parts of the U.S. is Moda Health insurance offered?

Moda Health Insurance is currently offered in select states in the Pacific Northwest region of the United States. Here is a list of the states where Moda Health Insurance is available:

  • Oregon: Moda Health Insurance is based in Oregon and offers individual and family plans, Medicare Advantage plans, and employer-sponsored plans in the state.
  • Alaska: Moda Health Insurance offers individual and family plans, dental plans, vision plans, and employer-sponsored plans in Alaska.
  • Washington: Moda Health Insurance offers Medicare Advantage plans in select counties in Washington.

If you’re interested in finding out if Moda Health Insurance is available in your state, here are the four steps you can take:

  1. Visit the Moda Health insurance website: The first step is to visit the Moda Health Insurance website. From there, you can navigate to the “Plans & Benefits” section of the website.
  2. Select your state: On the “Plans & Benefits” page, select your state from the dropdown menu. If your state is not listed, then Moda Health Insurance may not be available in your area.
  3. Browse available plans: Once you’ve selected your state, you can browse the available health insurance plans offered by Moda Health Insurance in your area. You can also view plan details, compare plan options, and get a quote for coverage.
  4. Contact Moda Health insurance or a licensed insurance agent: If you have additional questions or need help finding a plan that meets your needs, you can contact Moda Health Insurance directly or speak with a licensed insurance agent in your area.

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Moda Health Insurance Rates Breakdown

The cost of Moda Health Insurance varies depending on the type of plan and the state in which you live. In general, the cost of health insurance plans can be affected by a number of factors, including your age, location, health status, and the level of coverage you choose.

  • Individual and family plans: Moda Health Insurance offers a variety of plan options with different levels of coverage and pricing. Premiums can range from a few hundred dollars to over a thousand dollars per month, depending on the plan and location.
  • Medicare advantage plans: The cost can also vary depending on the plan and location. Some plans may have no monthly premium, while others may have a monthly premium that can range from less than $50 to over $200 per month.
  • Employer-sponsored plans: The cost can vary depending on the size of the business, the plan selected, and the location of the business.

Moda Health Insurance Discounts Available

Moda Health Insurance offers a variety of discounts and cost-saving options to help make healthcare more affordable for its customers. Here are some of the discounts available:

  • Multi-plan discount: If you enroll in more than one Moda Health Insurance plan, you may be eligible for a discount on your premiums.
  • Wellness program discounts: Moda Health Insurance offers a variety of wellness programs to help customers maintain a healthy lifestyle. By participating in these programs, you may be eligible for discounts on your premiums.
  • Provider network discounts: Moda Health Insurance has a network of preferred healthcare providers. If you choose to receive care from a provider in the network, you may be eligible for discounted rates.
  • Healthy pregnancy program: Moda Health Insurance offers a Healthy Pregnancy Program to help expectant mothers have a healthy pregnancy. By participating in this program, you may be eligible for discounts on your premiums.
  • Member discounts: Moda Health Insurance partners with various businesses and organizations to offer discounts to its members. These discounts can include everything from fitness club memberships to healthy food delivery services.

Effortless Claims Handling With Moda Health Insurance

Ease of Filing a Claim

Moda Health Insurance offers a user-friendly claims filing process. Customers can conveniently file claims online through their website, over the phone, or by using their mobile apps. The digital platforms are designed to simplify the claims submission, ensuring a hassle-free experience for policyholders.

Average Claim Processing Time

While specific data might vary, Moda Health Insurance is dedicated to efficient claims processing. On average, customers experience timely resolution of their claims, allowing them to receive reimbursements and benefits promptly after filing.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on Moda Health Insurance’s claim resolutions and payouts is mixed. Some policyholders report positive experiences, praising the company for their prompt responses and fair settlements. However, there are also reports of challenges, emphasizing the importance of thorough communication and understanding policy details for a smoother claims experience.

Unveiling Cutting-Edge Digital and Technological Features by Moda Health Insurance

Mobile App Features and Functionality

Moda Health Insurance’s mobile app offers a range of features to enhance customer experience. Users can access their insurance information, view policy details, track claims, and even initiate the claims process directly from the app. The intuitive interface ensures users can navigate the app effortlessly, making managing their insurance on-the-go convenient.

Online Account Management Capabilities

The online account management system provided by Moda Health Insurance empowers customers with comprehensive control over their policies. From updating personal information to reviewing policy documents, customers can efficiently manage their accounts online. The platform offers a secure environment, allowing users to make payments, track billing history, and monitor policy changes with ease.

Digital Tools and Resources

Moda Health Insurance equips its customers with various digital tools and resources. These include educational materials, wellness resources, and interactive tools to help users understand their policies better.

Additionally, the company provides online resources to promote health and well-being, aligning with their mission to support preventive healthcare initiatives. These digital resources enhance the overall customer experience, promoting a proactive approach to healthcare management.

How Moda Health Insurance Ranks Among Providers

Moda Health Insurance, operating primarily in the Pacific Northwest region of the United States, faces competition from several key players in the health insurance industry. Understanding these competitors and their offerings is crucial for consumers seeking comprehensive and affordable healthcare coverage.

Below are some notable competitors and reasons why they pose competition to Moda Health Insurance:

  • Kaiser Permanente: Kaiser Permanente is a major player known for its integrated healthcare delivery system. With a focus on preventive care and an extensive network of healthcare professionals, they provide robust coverage options that compete with Moda’s offerings.
  • Regence BlueCross BlueShield: Regence BlueCross BlueShield is another prominent competitor in the Pacific Northwest. With a wide range of health insurance plans, including individual, family, and employer-sponsored options, they offer a similar regional focus and diverse coverage choices.
  • Premera Blue Cross: Premera Blue Cross is known for its comprehensive health plans and a strong presence in the Pacific Northwest. They compete with Moda through a variety of coverage options and a commitment to enhancing the overall health and well-being of their members.
  • UnitedHealthcare: As a nationwide health insurer, UnitedHealthcare competes on a broader scale. With a vast network of healthcare providers and a diverse range of plans, they offer competition to Moda Health Insurance by providing options for individuals, families, and businesses across the country.

In a competitive health insurance landscape, understanding the strengths and offerings of Moda Health Insurance’s competitors is vital for consumers. Each of these companies brings its unique approach to coverage, pricing, and customer service, offering individuals and families a variety of choices based on their specific needs and preferences.

Whether it’s the regional focus of competitors like Regence and Premera or the nationwide reach of UnitedHealthcare, consumers have a range of options to consider when selecting the right health insurance provider.

Customer Reviews of Moda Health Insurance

Customer reviews of Moda Health Insurance are mixed, with some customers reporting positive experiences and others reporting negative experiences. Here is an overview of what customers are saying about Moda Health Insurance:

Strengths:

  • Customer service: Many customers have reported positive experiences with Moda Health Insurance’s customer service team, noting that representatives are knowledgeable and helpful.
  • Provider network: Moda Health Insurance has a large network of healthcare providers, which many customers appreciate for its convenience and flexibility.
  • Plan options: Moda Health Insurance offers a variety of plan options to meet the needs of different customers, including individual and family plans, Medicare Advantage plans, and employer-sponsored plans.

Weaknesses:

  • Cost: Some customers have reported that Moda Health Insurance’s premiums and deductibles can be high, making it difficult to afford healthcare coverage.
  • Claims processing: A number of customers have reported difficulties with claims processing, including delays in reimbursement and disputes over coverage.
  • Limited availability: Moda Health Insurance is only available in select states in the Pacific Northwest region of the United States, which can be a disadvantage for customers in other areas.

Frequently Asked Questions

What is Moda Health Insurance?

Moda Health Insurance is a company that offers health insurance coverage to individuals and families in select states. It was founded in 1955 as a dental insurance company and later expanded to include health insurance plans.

What is the mission of Moda Health Insurance?

The mission of Moda Health Insurance is to provide quality healthcare services to its customers at an affordable cost. The company is committed to promoting wellness and disease prevention and strives to offer excellent customer service.

What products and services does Moda Health Insurance offer?

Moda Health Insurance offers a range of health insurance plans to individuals and families in select states. They provide individual and family plans, Medicare Advantage plans, and employer-sponsored plans.

How much does Moda Health Insurance cost?

The cost of Moda Health Insurance varies depending on factors such as the type of plan, your age, location, health status, and the level of coverage you choose. To get an accurate cost estimate, it’s best to request a quote from Moda Health Insurance directly.

In which parts of the U.S. is Moda Health Insurance available?

Moda Health Insurance is currently available in select states in the Pacific Northwest region of the United States. These states include Oregon, Washington, and Alaska.

What discounts are available with Moda Health Insurance?

Moda Health Insurance offers various discounts to help make healthcare more affordable. Some of the available discounts include a multi-plan discount, wellness program discounts, and provider network discounts. The specific discounts may vary, so it’s recommended to inquire with Moda Health Insurance for more details.

What are the strengths of Moda Health Insurance?

Moda Health Insurance has a strong provider network and offers a variety of plan options to meet different needs and budgets. They also prioritize wellness and disease prevention.

What are the weaknesses of Moda Health Insurance?

Customer reviews of Moda Health Insurance are mixed, with some customers reporting positive experiences and others reporting difficulties with claims processing and high costs. It’s important to consider individual experiences and preferences when evaluating the company.

Is Moda Health Insurance recommended?

The recommendation for Moda Health Insurance depends on individual circumstances and preferences. It’s advised to carefully review the available plans, cost, and customer reviews to determine if Moda Health Insurance aligns with your healthcare needs and expectations.

How can I compare quotes from Moda Health Insurance and other companies?

To compare quotes from Moda Health Insurance and other insurance companies, you can use a free quote tool available on websites like USInsuranceAgents.com. By entering your ZIP code, you can receive multiple quotes and compare them to make an informed decision.

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Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

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Compare quotes from the top insurance companies and save!

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