E-notifies sent by the Rates and Forms Section in the last 18 months.​​​

​2014​

SERFF public access to all form and rate filings now available

The State of Oregon has insurance company rate and form filings which are available for public review. To make these filings accessible to interested parties via the Internet, the Oregon Insurance Division is utilizing the NAIC System for Electronic Rate and Form Filing Access interface. To access this information, please follow the below link, select SERFF Filings on the right side of the page, then select the access link to SERFF and follow the instructions from there. We hope you find this new public access helpful. http://www.oregon.gov/DCBS/insurance/insurers/rates-forms/Pages/rates-forms.aspx

This e-notify was distributed to the following groups:

  • Rates & Forms New Developments
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Association Filing Training to be rescheduled

The division is postponing its Association Training originally scheduled for July 21, 2014. The training has been tentatively rescheduled for September 23, 2014 from 9-11AM PST.

Please refer to our training website for updates: www.oregon.gov/DCBS/insurance/insurers/rates-forms/Pages/training.aspx

This e-notify was distributed to the following groups:

  • Rates & Forms New Developments
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Updated product standards for modification and discontinuances on health benefit plans now posted.

Revisions to the product standards account for the new uniform modification requirements found in CMS 9949-F. These product standards are for use with all individual and small group health benefit plans. Modification and discontinuance information for large group products will be available later this year.

http://www.oregon.gov/DCBS/insurance/insurers/rates-forms/filing/Pages/Health/health-moddis.aspx

This e-notify was distributed to the following groups:

  • Rates & Forms New Developments
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Property and Casualty form filing training

Tuesday, June 17 - 9:00 - 10:30 a.m. Pacific Time

The training will take place in Room 260 of the Labor & Industries Building at 350 Winter St. N.E., in Salem. The agenda embedded in the presentation material is posted to our training site at: http://www.oregon.gov/DCBS/insurance/insurers/rates-forms/Pages/training.aspx.

We will stream the training live online at http://www.oregon.gov/DCBS/Pages/video_hearing.aspx.
Remote viewers will be able to submit questions via e-mail during the training at insurance.video@state.or.us.

We are also videotaping the training. The training video will be posted on our website at http://www.oregon.gov/DCBS/insurance/insurers/rates-forms/Pages/training.aspx.

This e-notify was distributed to the following groups:

  • Property & Casualty insurance issues
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The Oregon Insurance Division Rates and Forms Unit recently sent out a survey regarding future property and casualty training. We have received several responses that are not from rate and form filers or insurers. Our anticipated audience was insurance company filers, third party filers, filing consultants, and underwriters or product development specialists. The training is not intended to provide Continuing Education Credits, or to address other issues that may be of interest to Producers. If you are a filer or other member of our target audience and did not respond to the initial survey, please do so now. www.surveymonkey.com/s/BQVGD9H

If you are an insurance producer, we have an excellent team that works for the Licensing Section. The telephone number is (503) 947-7981. They will be happy to assist you with any licensing or continuing education questions.

This e-notify was distributed to the following groups:

  • Property & Casualty insurance issues
  • Rates & Forms New Developments
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The Oregon Insurance Division is changing the filing due date for medical rate filings to Monday, June 2, 2014. All other dates remain unchanged. Please see the attached revised Timeline.

We make this change in order to avoid any confusion a due date that falls on the weekend may cause. Please let me know if you have any questions.

Annette Courter Boyce
Manager
Product Regulation
annette.c.boyce@state.or.us

This e-notify was distributed to the following groups:

  • Life and Health Insurance Issues
  • Rates & Forms New Developments

The typo in the announcement from SERFF (copied below) may have been confusing. The corrected version below replaces the word not where the announcement read note. Understandably everyone is anxious to get started on the binders, but waiting will avoid delays caused by jumping in before SERFF is ready.

Reminder: The OID and Cover Oregon plans to hold Binder training webinars on May 19th (9-11 am PDT) and June 12th (1:30-3:30 pm PDT). For more information on attending or watching via web streaming visit www.oregon.gov/DCBS/insurance/insurers/rates-forms/Pages/training.aspx

ANNOUNCEMENT SENT APRIL 18TH FROM SERFF PLA​N MANAGEMENT

Template Information:
The 2015 Federal Plan Management Data Templates have now been posted to www.serff.com/hix. The link can be found on the lower right side of the page. Template instructions and further information will be posted there as SERRF receive them.

Note: Although the templates are posted, they have not yet been configured in SERFF and will not be functional for validation through SERFF until late May. For that reason, we are encouraging issuers not to build any SERFF Binders for 2015 until they receive further notice. Issuers who create 2015 Binders will have to re-build them after everything is configured. Issuers should be begin working on the templates outside of SERFF and using the internal template validation as soon as possible to minimize delays down the road.

SERFF Update:
We have also received several questions about closed Binders no longer showing on the Plan Management tab in SERFF. With the release of SERFF 6.7 last night, closed Binders have been moved out of the main view. Users may find these Binders by using the search functionality under the Plan Management tab.

This e-notify was distributed to the following groups:

  • Life and Health Insurance Issues
  • Rates & Forms New Developments

Affordable Care Act (ACA) deadlines require us to assign the highest review priority to ACA products (small group and individual health benefit plans and pediatric dental).

From late April until mid-August, we will review filings for non-ACA health products (forms/contracts and rates) as time permits, but these reviews will be delayed as ACA products must be reviewed first. We regret these delays. Once the ACA product reviews are completed, we will focus resources to the review of non-ACA product filings.

Thank you for your understanding.

Annette Courter Boyce
Manager
Product Regulation Section
Oregon Insurance Division
annette.c.boyce@state.or.us

This e-notify was distributed to the following groups:

  • Life and Health Insurance Issues
  • Rates & Forms New Developments
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The Oregon Insurance Division Rates and Forms Unit has received requests for property and casualty training. We are interested in providing a training webinar on June 4, 2014. We would like to answer your questions and take care of any issues. In addition to the subjects we plan to present, we would like to know what subjects you are most interested in learning more about. Please answer the survey questions by using the link below and submit by close of business on Monday April 21, 2014.

www.surveymonkey.com/s/BQVGD9H

This e-notify was distributed to the following groups:

  • Property & Casualty insurance issues
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The still open question about when templates will be available from CMS, and subsequently go live in SERFF, prompted the Oregon Insurance Division to change binder due dates for individual and small group 2015 filings. Considering the later open enrollment start date for 2015, and after consultation with Cover Oregon, we believe OID staff can manage these later binder due dates.

The attached Timeline for Form, Binder, and Rate Filings for Individual and Small Group revises the previous (2/10/14) Timeline by:

  • Moving the due date for all medical binders from April 30 to June 30, 2014.
  • Moving the due date for all dental binders from May 31 to June 30, 2014.
  • Moving the SBC upload date from July 15 to August 15, 2014.
  • Moving the revised rate template and documents update from August 15 to September 15, 2014.

The due dates for rate filings are unchanged: individual dental rates due April 30, 2014 and all medical rate filings due May 31, 2014.

These revised binder due dates will not be revised again to earlier dates. It is remotely possible, should template availability be even more delayed, that dates would be pushed later. However, these dates reflect a worst-case expectation about template availability and should not need to be changed again. Should templates become available earlier, carriers that chose to could always submit binders earlier than the required due dates.

Our hope is that these later dates increase certainty about dates that must be met, allowing everyone to plan workload and personal lives accordingly.

This e-notify was distributed to the following groups:

  • Life and Health Insurance Issues
  • Rates & Forms New Developments
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On February 12, 2014 the Division launched its new website. We hope that it's easier to navigate and easier to read. You'll see a survey on the homepage that asks for feedback. Please take a minute to let us know how we did and how we can continue to improve. Any pages from our old website that you may have bookmarked will need to be updated as all the url's have changed.

This is our new address: www.oregon.gov/dcbs/insurance/Pages/index.aspx

Over the past few weeks new product standards have been added to the filing requirements and others updated. See the list of changes below:

  • Current forms list posted as of 3/19/14

  • Revised product standards:
    • 440-2445 - Standards for Stop-loss/Excess loss Form & Rate Filings
    • 440-3136b - Standard Provisions for Small Employer Health Benefit Plan FORM filings
    • 440-3146 - Standard Provisions for Individual Health Benefit Plan FORM filings
    • 440-3172A - Standard Provisions Dental and Vision New product standards posted :
    • 440-4978 - Standard Provisions for Exchange Certified Pediatric Dental (ACA compliant) Forms
    • 440-4980 - Standard Provisions for Dental Binders

This e-notify was distributed to the following groups:

  • Rates & Forms New Developments
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After a recent update from SERFF staff, we expect the CMS templates will be available later than previously projected. As a result, we are rescheduling the medical binders training from March 20 to April 15 and expanding the training time from 1:30-4:00 p.m. We hope to give more accurate and complete training once the new CMS templates are available. We expect that we will be pushing out the medical binder due date. However, we have not yet set a new due date and probably will not until we officially have a better estimate of when the templates will be available.

This e-notify was distributed to the following groups:

  • Life and Health Insurance Issues
  • Rates & Forms New Developments
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The Oregon Insurance Division's health analysts are providing a series of training sessions to help form and binder filers through the upcoming 2015 filing season.

We strongly encourage that the appropriate company personnel attend these trainings-the filers, product personnel, contract personnel, third-party filers, or any company personnel that actually work on the filings themselves.

These training sessions will consist of very specific information, not general introductory information. They are meant for seasoned filers and we will be either highlighting new information or providing information and direction to avoid common issues we experienced last year. If you would like more of an introductory training, please contact the division for a company-specific meeting at 503-947-7983 or dcbs.ratesforms@state.or.us and ask for the health analyst assigned to your company.

Friday, March 14 - 9:00 - 11:30 a.m.
Topic: Individual and small group forms

Agenda:

  • New webpage overview
  • Form filing timelines
  • Medical form product standards
  • Standard plans and cost-share matrix
  • Variability in forms

Tuesday, March 18 - 9:00 - 10:00 a.m.
Topic: Dental forms and binders

Thursday, March 20 - 1:30 - 3:00 p.m.
Topic: Medical binders

This training will consist of presentations by both the Oregon Insurance Division and Cover Oregon and Q&A time.

Tuesday, March 25 - 9:00 - 10:00 a.m.
Topic: Modification and discontinuation filings

Tuesday, April 1 - 9:00 - 10:00 a.m.
Topic: TBA

Tuesday, April 15 - 9:00 - 10:00 a.m.
Topic: Association form filings

All trainings will take place in Room 260 of the Labor & Industries Building at 350 Winter St. N.E., in Salem.

We will be streaming each session live online at http://www.oregon.gov/DCBS/Pages/video_hearing.aspx.
Remote viewers will be able to submit questions via e-mail during the session at insurance.video@state.or.us.

We are also videotaping each training session. Each training video will be posted on our website shortly after each session at http://www.oregon.gov/DCBS/insurance/insurers/rates-forms/Pages/training.aspx.

This e-notify was distributed to the following groups:

  • Life and Health Insurance Issues
  • Rates & Forms New Developments
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​2013

The attached document revises guidance originally issued on September 27, 2013 relating to the requirements of reasonable assurance for health benefit plans without embedded pediatric dental coverage.

This e-notify was distributed to the following groups:

  • Information for Insurance Producers
  • Life and Health Insurance Issues
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The Insurance Division has revised four product standards. Two have been revised and posted due to legislative changes under Senate Bill 577 that are effective January 1, 2014.

  • Form 440-2448, Standard Provisions for Large Group Health Benefit Plans
  • Form 440-4868, Transmittal and Product Standards for Service Contracts (4868-2014)
  • Form 440-4869, Transmittal and Product Standards for Vehicle Protection Products (4869-2014)
  • Form 440-4884, Standards for Accident Only Group and Individual Policies and Riders

This e-notify was distributed to the following groups:

  • Rates & Forms New Developments
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The Oregon Insurance Division continues to update product standards and post updated documents to our filing requirements website. Please see the current forms list for recent and upcoming changes.

This e-notify was distributed to the following groups:

  • Rates & Forms New Developments

In Oregon, association coverage is group coverage whether it's purchased by a group or an individual. ORS 743.734(7), which sunsets on January 1, 2014, exempts coverage issued to small groups through associations from the small group rating laws if they meet criteria aimed at preventing "cherry-picking," or providing less expensive coverage to the healthiest groups.

In 2014, the ACA requires the following:

  • The elimination of the Oregon small group rating exemption for associations.
  • The pooling of nongrandfathered individual association coverage with nongrandfathered individual market coverage (federal definition).
  • The rating of individual association coverage according to federal rating requirements.
  • The pooling of nongrandfathered small group association coverage with nongrandfathered small group market coverage (federal definition).
  • The rating of small group association coverage according to federal rating requirements.
  • Subject to limited exemptions, including ACA compliance for the relevant market, the offering and issuance of all association coverage in the individual and small group markets regardless of association membership.

For a complete read of the Association Bulletin 2013-03 go to: www.oregon.gov/dcbs/insurance/​legal/bulletins/Documents/bulletin2013-03.pdf

Please complete the attached survey​ as directed and return to Tammy Vance no later than June 30, 2013. You may e-mail the document with an electronic signature to tammy.vance@state.or.us or mail to:

Tammy Vance
350 winter St. NE
Salem, Or 97301-3883

If you have questions regarding this message, please direct them to Rhonda Saunders-Ricks at 1-503-947-7270 or e-mail at Rhonda.i.saunders-ricks@state.or.us.

Thank you

Rhonda I. Saunders-Ricks
Manager, Rates and Forms
Oregon Insurance Division
phone: 503-947-7270
fax: 503-378-4351

This e-notify was distributed to the following groups:

  • Life and Health Insurance Issues
  • Rates & Forms New Developments
​​​

Product Standards for Plan Binder submissions updated and posted to our web site.

We are in the process of developing two new webpages that will provide filing requirements and filing instructions for Pediatric Dental and Health Benefit Plan Binder Submissions. These pages will be available no later than Monday by close of business. Please check our website for this new development.

  • Due date for Health Benefit Plan Rates is April 30, 2013.
  • Due date for Health Benefit Plan - Plan Binders is April 30, 2013.
  • Due date for Pediatric Dental Plan Rates and Binders is June 3, 2013 by 7:00 am (PDT).

This e-notify was distributed to the following groups:

  • Rates & Forms New Developments
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QHP issuers please visit our website for changes to product standards and additional information regarding the revised plan templates.

This e-notify was distributed to the following groups:

  • Rates & Forms New Developments
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We are issuing this communication to confirm our expectations related to the 2014 health benefit plans offered by Cover Oregon and carriers.

New filing deadline for endorsements to 2014 forms

Endorsements to 2014 health benefit plan forms must be filed with the division no later than April 30, 2013. Health benefit plans must be approved no later than June 30, 2013 and we are unable to approve a plan until all forms are complete and approved, including any endorsements.

Advertisements for 2014 health benefit plans

The division will not require advertisements related to 2014 health benefit plans offered inside and outside of the exchange to be filed and approved before use. Please use the self-certification process out lined in the Advertising Product Standards which are located at: www.oregon.gov/dcbs/insurance/insurers/rates-forms/Documents/3308h.pdf

This e-notify was distributed to the following groups:

  • Life & Health Insurance Issues
  • Rates & Forms New Developments
​​​​​

Please plan to attend one of the upcoming online Health Insurance Exchange SERFF Plan Management webinars.

The webinars will introduce the SERFF Plan Management functionality and demonstrate how to submit and review Qualified Health Plans in SERFF. The webinars will be 90 minutes, including time for Q&A, and will be customized for industry and states. Please note the webinars will not include training on federal templates. Online webinars begin on March 5, 2013. A full listing of dates and times, registration and agenda are forthcoming.

Watch your email and the HIX page on serff.com (www.serff.com/hix.htm).

This e-notify was distributed to the following groups:

  • Rates & Forms New Developments

NOTICE!!! IMPORTANT INFORMATION

The Oregon Insurance Division recognizes that there are several undecided factors related to the dental plans that will be offered inside and outside of the exchange which will make it difficult to file the dental form filings. Therefore, we have decided to extend the form filing due date to March 30, 2013, from February 28, 2013.

Please contact Rhonda Saunders-Ricks at 503-947-7270 if you have questions regarding this extension.

This e-notify was distributed to the following groups:

  • Life and Health Insurance Issues
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​​2012

The attached memo is to provide an update of the Oregon Insurance Division's (OID's) expected timing for submission of pediatric dental, form, plan, and rate filings for products to be offered through Cover Oregon (Oregon's health insurance exchange). Please note that the information contained in this document is subject to change as more information becomes available.

Memorandum: Form, Plan, and Rate Filing Timelines and Guidance Revised 12/13/2012

This e-notify was distributed to the following groups:

  • Life and Health Insurance Issues
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When filing the forms you may bracket the pediatric dental benefits and in the event that quality health plans (QHPs) are not required to include pediatric dental benefits. This will allow for the provision to be deleted or added based on future guidance.

Thank you

Rhonda I. Saunders-Ricks
Manager, Rates and Forms
Oregon Insurance Division
phone: 503-947-7270
fax: 503-378-4351

This e-notify was distributed to the following groups:

  • Life & Health Issues
  • Rates & Forms New Developments
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