Why do I have to be uninsured for two months to qualify for the FHIAP program?
About 17 percent of Oregonians are uninsured. FHIAP is attempting to reach those who have the most desperate need for insurance.
What months pay stubs do I need to send to FHIAP as proof of income?
For proof of income, send one full
month worth of pay stubs. For example, if you sign
your application in March, send proof of income received
in February. We do not need March information. Self-employed persons, farmers, fishermen and ranchers have different income rules. Call 888-564-9669 (Toll-free in Oregon)
When is my application due?
When applying to FHIAP for the first time, you have 60 calendar days to
return the completed application to FHIAP. The 60 days start when FHIAP mails the application; the due date is on a letter that comes with the application.
Subsidy eligibility is good for a year. When you re-apply to see if you qualify for the program another year, you have 30 calendar days
to complete and return the application. The due date will be on your application letter.
I have diabetes or other health issues and I can't get insurance - can you help me?
Your FHIAP subsidy can be used to help pay the premium for the Oregon Medical Insurance Pool
(OMIP). This program is for people who have been turned down for health insurance due to "pre-existing medical conditions." However, OMIP benefit plans have a six-month wait before coverage begins on pre-existing conditions, including pregnancy.
What happens if I am on an employer-sponsored (group) plan and I lose my job?
Contact FHIAP immediately. Your FHIAP subsidy may be able to help you continue health coverage. You must notify FHIAP of this change within 10 calendar days. See your Member Guide for a complete list of changes that must be reported within 10 calendar days.
If my income changes, do I need to report that?
Once you are enrolled in FHIAP, you do not
need to report income changes during the year. However, once a year, each member must re-apply to FHIAP to continue in the program. At this time, changes in income will be looked at to determine your continued eligibility and subsidy level.
How do I let you know if my employer changes insurance companies or if my rate changes?
Contact FHIAP Member Account Services toll-free at 888-564-9669 (Toll-free in Oregon)
. We will send you a new "Enrollment Verification" form to have your employer complete.
Who do I contact if I have questions about my health insurance policy?
Your insurance company or the producer who sold the policy. The phone number for your insurance company is on your insurance card. Remember: FHIAP is not an insurance company; FHIAP is a subsidy program.
When I become eligible for Medicare, can I continue to receive a FHIAP subsidy?
No. If you are in FHIAP and become Medicare eligible, you can keep FHIAP until your original approval date expires. At that time, you will not be eligible for FHIAP.