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Judicial Watch • Moda Health Plan Documents from Oregon

Moda Health Plan Documents from Oregon

Moda Health Plan Documents from Oregon

Page 1: Moda Health Plan Documents from Oregon

Category:FOIA Response

Number of Pages:21

Date Created:November 25, 2013

Date Uploaded to the Library:December 16, 2013

Tags:ACA, SRRHIC, obamacare, Oregon


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SERFF Tracking ODSV-129174603
State Tracking ODSV-129174603
Company Tracking 2013-50-03-OR
State:
Oregon
TOI/Sub-TOI:
H16I Individual Health Major Medical/H16I.005A Individual Preferred Provider (PPO)
Filing Company:
Moda Health Plan, Inc.
Product Name:
Individual med discontinuation notice
Project Name/Number: ndividual med discontinuation notice/2013-50-03-OR
Filing Glance
Company:
Product Name:
State:
TOI:
Sub-TOI:
Filing Type:
Date Submitted:
SERFF Num:
SERFF Status:
State Num:
State Status: Num:
Moda Health Plan, Inc.
Individual med discontinuation notice
Oregon
H16I Individual Health Major Medical
H16I.005A Individual Preferred Provider (PPO)
Form
08/22/2013
ODSV-129174603
Closed-Filed information
ODSV-129174603
Review completed
2013-50-03-OR
Implementation
Date Requested:
Author(s):
09/01/2013
Reviewer(s):
Disposition Date:
Disposition Status:
Implementation Date:
Mei-Kuen Wu, Andrea Silano Sayers, David Liebert, Jennifer Halttunen, Brenda Noble, Dave
Nesseler-Cass
Rhonda Saunders-Ricks (primary)
08/26/2013
Filed information
08/26/2013
State Filing Description:
PDF Pipeline for SERFF Tracking Number ODSV-129174603 Generated 11/25/2013 05:28
SERFF Tracking ODSV-129174603
State Tracking ODSV-129174603
Filing Company:
Company Tracking 2013-50-03-OR
State:
Oregon
TOI/Sub-TOI:
H16I Individual Health Major Medical/H16I.005A Individual Preferred Provider (PPO)
Moda Health Plan, Inc.
Product Name:
Individual med discontinuation notice
Project Name/Number: ndividual med discontinuation notice/2013-50-03-OR
General Information
Project Name: ndividual med discontinuation notice
Project Number: 2013-50-03-OR
Requested Filing Mode: Review Approval
Explanation for Combination/Other:
Submission Type: New Submission
Overall Rate Impact:
Deemer Date:
Submitted By: Mei-Kuen
Status Filing Domicile: Pending
Date Approved Domicile:
Domicile Status Comments: This filing the state
domicile.
Market Type: Individual
Individual Market Type: Individual
Filing Status Changed: 08/26/2013
State Status Changed: 08/26/2013
Created By: Mei-Kuen
Corresponding Filing Tracking Number: ODSV-128996855,
ODSV-129006200, ODSV-128830968
PPACA: Not PPACA-Related
PPACA Notes: null
Include Exchange Intentions:
Filing Description:
Dear Reviewer,
This filing includes the discontinuation notice for our current individual book business. accordance Bulletin 2013-1,
are under option which full discontinuation plans 12/31/13. Our discontinuation notice includes information
similar the open enrollment/Exchange info included the templates and instructed 2014 Health Benefit Plan Rate/Plan
Filing Updates sent the Division carriers April 26, 2013.
SERFF tracking numbers are ODSV-128996855 (rates), ODSV-128830968 (forms) and ODSV-129006200 (amendment
forms). apologize for the delay this filing and the oversight our part. plan deliver the notice and meet the 90-day notice
timeline.
Sincerely,
Mei
Company and Contact
Filing Contact Information
Mei-Kuen Wu, Lead Regulatory Analyst
601 Second Ave.
Portland, 97204
meikuen.wu@modahealth.com
503-265-5679 [Phone]
PDF Pipeline for SERFF Tracking Number ODSV-129174603 Generated 11/25/2013 05:28
SERFF Tracking ODSV-129174603
State Tracking ODSV-129174603
Filing Company:
Company Tracking 2013-50-03-OR
State:
Oregon
TOI/Sub-TOI:
H16I Individual Health Major Medical/H16I.005A Individual Preferred Provider (PPO)
Moda Health Plan, Inc.
Product Name:
Individual med discontinuation notice
Project Name/Number: ndividual med discontinuation notice/2013-50-03-OR
Filing Company Information
Moda Health Plan, Inc.
601 Second Ave.
Portland, 97204
(503) 265-4703 ext. [Phone]
CoCode: 47098
Group Code: 1313
Group Name:
FEIN Number: 93-0989307
State Domicile: Oregon
Company Type:
State Number: 158
Filing Fees
Fee Required?
Retaliatory?
Fee Explanation:
State Specific
Have you reviewed the General Instructions attached separate pdf the bottom the General Instructions page?: Yes
Did you read the instructions regarding how enter the form number and edition date the Forms Schedule tab?: Yes
Did you realize Oregon does not respond Status Requests thru SERFF?: Yes
Please confirm that you have read the Fraud Bulletin 2010-3 located at:
http://www.cbs.state.or.us/external/ins/bulletins/bulletin2010-03.pdf: Yes
Have you attached under the Supporting Documentation tab any state specific Amendatory Endorsements that will used
bring the submitted forms into compliance with our statutes?: Yes
PDF Pipeline for SERFF Tracking Number ODSV-129174603 Generated 11/25/2013 05:28
SERFF Tracking
ODSV-129174603
State Tracking
ODSV-129174603
Company Tracking
State:
Oregon
TOI/Sub-TOI:
Filing Company:
H16I Individual Health Major Medical/H16I.005A Individual Preferred Provider (PPO)
Product Name:
Individual med discontinuation notice
Project Name/Number:
2013-50-03-OR
Moda Health Plan, Inc.
ndividual med discontinuation notice/2013-50-03-OR
Correspondence Summary
Dispositions
Status
Filed
information
Created
Rhonda Saunders-Ricks
Created
08/26/2013
Date Submitted
08/26/2013
Objection Letters and Response Letters
Objection Letters
Status
Pending
industry
response
Created
Rhonda SaundersRicks
Response Letters
Created
08/23/2013
Date Submitted
08/23/2013
Responded
Mei-Kuen
Created
08/23/2013
PDF Pipeline for SERFF Tracking Number ODSV-129174603 Generated 11/25/2013 05:28
Date Submitted
08/23/2013
SERFF Tracking
ODSV-129174603
State Tracking
ODSV-129174603
Company Tracking
State:
Oregon
TOI/Sub-TOI:
Filing Company:
H16I Individual Health Major Medical/H16I.005A Individual Preferred Provider (PPO)
Product Name:
Individual med discontinuation notice
Project Name/Number:
2013-50-03-OR
Moda Health Plan, Inc.
ndividual med discontinuation notice/2013-50-03-OR
Disposition
Disposition Date: 08/26/2013
Implementation Date: 08/26/2013
Status: Filed information
HHS Status: Not Reported
State Review:
Comment:
Rate data does NOT apply filing.
Schedule
Supporting Document
Supporting Document
Supporting Document
Supporting Document
Supporting Document
Supporting Document
Supporting Document (revised)
Supporting Document
Supporting Document
Supporting Document (revised)
Supporting Document
Schedule Item
Cover Letter Explanatory Memorandum
Third party filers letter authorization
3894 Certification Compliance
3146 Standards for Individual Health Benefit Plans
3899 Readability Certification
Corresponding Rate filing
2896 Benefit Modification Discontinuance Health
Benefit Plans
2896 Benefit Modification Discontinuance Health
Benefit Plans
Highlighted/Redline form version replaced, amended similar forms
Discontinuation notice
Discontinuation notice
Schedule Item Status
Reviewed-No Action
Reviewed-No Action
Reviewed-No Action
Reviewed-No Action
Reviewed-No Action
Reviewed-No Action
Information only
Public Access
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Reviewed-No Action
Yes
Reviewed-No Action
Yes
Information only
Reviewed-No Action
Yes
Yes
PDF Pipeline for SERFF Tracking Number ODSV-129174603 Generated 11/25/2013 05:28
SERFF Tracking ODSV-129174603
State Tracking ODSV-129174603
Filing Company:
Company Tracking 2013-50-03-OR
State:
Oregon
TOI/Sub-TOI:
H16I Individual Health Major Medical/H16I.005A Individual Preferred Provider (PPO)
Moda Health Plan, Inc.
Product Name:
Individual med discontinuation notice
Project Name/Number: ndividual med discontinuation notice/2013-50-03-OR
Objection Letter
Objection Letter Status
Objection Letter Date
Submitted Date
Respond Date
Pending industry response
08/23/2013
08/23/2013
08/30/2013
Dear Mei-Kuen Wu,
Introduction: have reviewed this filing and the following corrections are necessary.
Objection Discontinuation notice (Supporting Document)
Comments: Please complete the modification and discontinuation form. You not need complete the Section this
form.
Paragraph, Your health plan ending contains the statement, part the affordable care act, all our [..] This statement
not completely accurate. part the implementation Oregon. Please confirm MODA does not have any grandfathered plans these two markets. so, all our health plans... will need include some qualifier.
Paragraph, Shop for new MODA Health Plan.. contains the statement, youll need enroll new plan December 31, 2013,
but the other page, says want help you enroll new plan Nov. 30th. not sure why there are two different dates but
you intended them different there should some sort explanation.
Paragraph, you qualify for credit? this the same calculator that Cover Oregons website. this going small
group and individuals there one calculator two? please see http://www.coveroregon.com/calculators/ concern that they
would receive two different answers caluclators. Please explain
Paragraph, choose one easy step (1) please include statement that aligns with the final paragraph that area... Accept the plan chose for you, you dont need anything you can tell youre .......
Please explain why the here are few words from our friends with the state necessary... this really ambiguous...Why wouldnt
you just incorporate the disclosure requirement?
Conclusion:
When receive this additional information, will continue our review your filing.
Sincerely,
Rhonda Saunders-Ricks
PDF Pipeline for SERFF Tracking Number ODSV-129174603 Generated 11/25/2013 05:28
SERFF Tracking
ODSV-129174603
State Tracking
ODSV-129174603
Company Tracking
State:
Oregon
TOI/Sub-TOI:
Filing Company:
H16I Individual Health Major Medical/H16I.005A Individual Preferred Provider (PPO)
Product Name:
Individual med discontinuation notice
Project Name/Number:
2013-50-03-OR
Moda Health Plan, Inc.
ndividual med discontinuation notice/2013-50-03-OR
Response Letter
Response Letter Status
Response Letter Date
Submitted Date
Submitted State
08/23/2013
08/23/2013
Dear Rhonda Saunders-Ricks,
Introduction:
Dear Rhonda,
Thanks for the review and comments for our filing. Please see the responses listed below.
SIncerely,
Mei
Response
Comments:
The modification and discontinuation form now completed and attached.
For Paragraph Your health plan ending added the phase implementation Oregon
For Paragraph Shop for new MODA Health Plan explain members that they have Dec 31, 2013 choose new plan. Under Paragraph Choose one easy step explain not hear from the member Nov whether she will take the matched plan, choose another plan, decide stop coverage, will automatically
enroll them the matched plan. This helps configure eligibility and benefits time for Jan 2014 operation. However, members can call and change the option all the
way Dec 31, 2013.
For Paragraph you qualify for credit our website only provides some info how credits work and direct members the CoverOregon calculator the actual
calculation.
Paragraph, Choose one easy step moved the sentence (1) will only appear once. removed the langauge about here are few words from our friends with the state.
Related Objection
Applies To: Discontinuation notice (Supporting Document)
PDF Pipeline for SERFF Tracking Number ODSV-129174603 Generated 11/25/2013 05:28
SERFF Tracking
ODSV-129174603
State Tracking
ODSV-129174603
Company Tracking
State:
Oregon
TOI/Sub-TOI:
Filing Company:
H16I Individual Health Major Medical/H16I.005A Individual Preferred Provider (PPO)
Product Name:
Individual med discontinuation notice
Project Name/Number:
2013-50-03-OR
Moda Health Plan, Inc.
ndividual med discontinuation notice/2013-50-03-OR
Comments: Please complete the modification and discontinuation form. You not need complete the Section this form.
Paragraph, Your health plan ending contains the statement, part the affordable care act, all our [..] This statement not completely accurate. part the
implementation Oregon. Please confirm MODA does not have any grandfathered plans these two markets. so, all our health plans... will need include some
qualifier.
Paragraph, Shop for new MODA Health Plan.. contains the statement, youll need enroll new plan December 31, 2013, but the other page, says want help
you enroll new plan Nov. 30th. not sure why there are two different dates but you intended them different there should some sort explanation.
Paragraph, you qualify for credit? this the same calculator that Cover Oregons website. this going small group and individuals there one calculator
two? please see http://www.coveroregon.com/calculators/ concern that they would receive two different answers caluclators. Please explain
Paragraph, choose one easy step (1) please include statement that aligns with the final paragraph that area... Accept the plan chose for you, you dont need
anything you can tell youre .......
Please explain why the here are few words from our friends with the state necessary... this really ambiguous...Why wouldnt you just incorporate the disclosure
requirement?
Changed Items:
PDF Pipeline for SERFF Tracking Number ODSV-129174603 Generated 11/25/2013 05:28
SERFF Tracking
ODSV-129174603
State Tracking
ODSV-129174603
Company Tracking
State:
Oregon
TOI/Sub-TOI:
H16I Individual Health Major Medical/H16I.005A Individual Preferred Provider (PPO)
Filing Company:
Product Name:
Individual med discontinuation notice
Project Name/Number:
Moda Health Plan, Inc.
ndividual med discontinuation notice/2013-50-03-OR
Supporting Document Schedule Item Changes
Satisfied Item:
2896 Benefit Modification Discontinuance Health Benefit Plans
Comments:
The Modification and Discontinuation Form attached.
Attachment(s):
2896.pdf
Previous Version
Bypassed Item:
2896 Benefit Modification Discontinuance Health Benefit Plans
Bypass Reason:
Not applicable the 2013 filing discontinuation notice.
Attachment(s):
Satisfied Item:
Comments:
Attachment(s):
Previous Version
Satisfied Item:
Comments:
Attachment(s):
Discontinuation notice
The revised discontinuation notice attached.
903347 IMR info mailer 3_OR agent_FINALv2_web.pdf
Discontinuation notice
The discontinuation notice attached.
903347 IMR info mailer 3_OR agent_FINAL_web.pdf
PDF Pipeline for SERFF Tracking Number ODSV-129174603 Generated 11/25/2013 05:28
2013-50-03-OR
SERFF Tracking
ODSV-129174603
State Tracking
ODSV-129174603
Company Tracking
State:
Oregon
TOI/Sub-TOI:
H16I Individual Health Major Medical/H16I.005A Individual Preferred Provider (PPO)
Filing Company:
Product Name:
Individual med discontinuation notice
Project Name/Number:
Moda Health Plan, Inc.
ndividual med discontinuation notice/2013-50-03-OR
Supporting Document Schedule Item Changes
Satisfied Item:
2896 Benefit Modification Discontinuance Health Benefit Plans
Comments:
The Modification and Discontinuation Form attached.
Attachment(s):
2896.pdf
Previous Version
Bypassed Item:
2896 Benefit Modification Discontinuance Health Benefit Plans
Bypass Reason:
Not applicable the 2013 filing discontinuation notice.
Attachment(s):
Satisfied Item:
Comments:
Attachment(s):
Previous Version
Satisfied Item:
Comments:
Attachment(s):
Discontinuation notice
The revised discontinuation notice attached.
903347 IMR info mailer 3_OR agent_FINALv2_web.pdf
Discontinuation notice
The discontinuation notice attached.
903347 IMR info mailer 3_OR agent_FINAL_web.pdf Form Schedule items changed. Rate/Rule Schedule items changed.
Conclusion:
Sincerely,
Mei-Kuen
PDF Pipeline for SERFF Tracking Number ODSV-129174603 Generated 11/25/2013 05:28
2013-50-03-OR
SERFF Tracking
ODSV-129174603
State Tracking
ODSV-129174603
Company Tracking
State:
Oregon
TOI/Sub-TOI:
H16I Individual Health Major Medical/H16I.005A Individual Preferred Provider (PPO)
Filing Company:
Product Name:
Individual med discontinuation notice
Project Name/Number:
Moda Health Plan, Inc.
ndividual med discontinuation notice/2013-50-03-OR
Supporting Document Schedules
Bypassed Item:
Bypass Reason:
Attachment(s):
Item Status:
Status Date:
Cover Letter Explanatory Memorandum
Cover letter included under the General Information tab.
Bypassed Item:
Bypass Reason:
Attachment(s):
Item Status:
Status Date:
Third party filers letter authorization
There third party filer for this filing.
Bypassed Item:
Bypass Reason:
Attachment(s):
Item Status:
Status Date:
3894 Certification Compliance
Not applicable this discontinuation notice filing.
Bypassed Item:
Bypass Reason:
Attachment(s):
Item Status:
Status Date:
3146 Standards for Individual Health Benefit Plans
Not applicable this discontinuation notice filing.
Bypassed Item:
Bypass Reason:
Attachment(s):
Item Status:
Status Date:
3899 Readability Certification
Not applicable this discontinuation notice filing.
Bypassed Item:
Bypass Reason:
Attachment(s):
Item Status:
Corresponding Rate filing
Not applicable this discontinuation notice filing.
Reviewed-No Action
08/26/2013
Reviewed-No Action
08/26/2013
Reviewed-No Action
08/26/2013
Reviewed-No Action
08/26/2013
Reviewed-No Action
08/26/2013
Reviewed-No Action
PDF Pipeline for SERFF Tracking Number ODSV-129174603 Generated 11/25/2013 05:28
2013-50-03-OR
SERFF Tracking
ODSV-129174603
State Tracking
ODSV-129174603
Company Tracking
State:
Oregon
TOI/Sub-TOI:
H16I Individual Health Major Medical/H16I.005A Individual Preferred Provider (PPO)
Filing Company:
Product Name:
Individual med discontinuation notice
Project Name/Number:
Moda Health Plan, Inc.
ndividual med discontinuation notice/2013-50-03-OR
Status Date:
08/26/2013
Satisfied Item:
Comments:
Attachment(s):
Item Status:
Status Date:
2896 Benefit Modification Discontinuance Health Benefit Plans
The Modification and Discontinuation Form attached.
2896.pdf
Information only
08/26/2013
Bypassed Item:
Bypass Reason:
Attachment(s):
Item Status:
Status Date:
Highlighted/Redline form version replaced, amended similar forms
Not applicable this discontinuation notice filing.
Satisfied Item:
Comments:
Attachment(s):
Item Status:
Status Date:
Discontinuation notice
The revised discontinuation notice attached.
903347 IMR info mailer 3_OR agent_FINALv2_web.pdf
Information only
08/26/2013
Reviewed-No Action
08/26/2013
PDF Pipeline for SERFF Tracking Number ODSV-129174603 Generated 11/25/2013 05:28
2013-50-03-OR
Department Consumer Business Services
Oregon Insurance Division
350 Winter St.,
Salem, Oregon 97301-3883
Phone: (503) 947-7983
TRANSMITTAL AND REQUIREMENTS FOR
MODIFICATION AND DISCONTINUANCE HEALTH BENEFIT PLANS defined ORS 743.730(19)(a)
Date: Aug 23, 2013
NAIC
No: 47098
Insurer name: Moda Health Plan, Inc.
Filing entity name (if not insurer): N/A
Department Action:
 Approved;
Limitations_______________
________________________ not the insurer, letter authorization must included the filing.
 Processed Information
Contact person name: Mei Kuen
 Withdrawn
Title:
 Disapproved;
Manager, Regulatory Implementation
Mailing address: 601 Second Avenue
Reason: _________________
_______________________
Portland, 97204
Action Date: _______________
Toll-free/collect phone no.:
800-852-5195 5679
Email address: meikuen.wu@modahealth.com
Effective date: January 2014
Effective Date: _____________ different from action date
Analyst: ___________________
State Filing No.:_____________
This filing submitted for:
MODIFICATION OAR 836-053-0001 (complete Section III, and IV)
DISCONTINUANCE ORS 743.737; 743.754; 743.766; (complete Section II, III, and IV)
Patient Protection Affordability Care Act (PPACA)
Plan(s) are:
Non-Grandfathered
Grandfathered grandfathered the plans are:
Losing Grandfathered status
Maintaining Grandfathered status
The following checklist standards help carriers make complete filing compliance with
relevant statutes and rules. some cases, the statements contained this form are summaries and may necessary refer the entire statute rule. The filer signature the certification form confirmation that diligent consideration has been given each item. the case modification,
replacement rates and forms must submitted with this transmittal document.
440-2896 (rev. 3/13/INS)
MODIFICATION OAR 836-053-0001 modification change changes that alter the actuarial valuation the health benefit
plan less than 10% the aggregate the policyholder.
 Modifications can only implemented the time renewal. notice explaining all changes must sent all policyholders least days prior
their renewal date. OAR 836-053-0001(3) Please select the type(s) health plan involved
Small employer group health benefit plan
Large group health benefit plan
Individual health benefit plan
Portability health benefit plan Please select the type modification that applies:
Eliminating adding benefits services payable health benefit plan
Increasing decreasing benefits payable services under plan, including decrease increase that occurs result change formulas, methodologies schedules
that serve the basis for making benefit determinations.
Increasing decreasing deductibles, copayments other amounts paid
enrollee.
Establishing new conditions requirements such preauthorization requirements
obtain services benefits under the plan eliminating such conditions requirements. ORS 742.003(4) Prior issuing notices: Include copy the notice that will sent policyholders renewal advising them the modification(s) their plan. the case group plan, carrier plans notify subscribers, include copy the
notice that advises them the modification(s) their plan renewal. For Individual plan modifications, include copy the notice that will sent
policyholders.
Continue Section III.
440-2896 (3/13/INS)
II.
DISCONTINUANCE ORS 743.737; 743.754; 743.766 Please select the type health plan involved:
Small employer health benefit plan
Large employer health benefit plan
Individual health benefit plan
Portability health benefit plan carrier discontinuing all the group products this state, separate Portability
discontinuance filing must submitted. there are other group products and result,
Portability plans cannot continued, carriers may offer enrollees their Individual plans with health status underwriting well the option obtain coverage through the Oregon
Medical Insurance Pool (OMIP). Does the carrier have other group products this state? yes,
small
large
Yes
both large and small group
Corresponding portability plan(s) discontinuation filing included under separate cover. Portability discontinuation filing not included this filing under separate cover,
please explain why:
Not applicable the discontinuation filing for individual plans Does the carrier have individual products this state?
Yes
a.) yes, will the carrier offer the portability members the individual plan
 
without medical underwriting
 
with medical underwriting
The carrier discontinuing offering renewing, offering and renewing all health
benefit plans specified area(s) within Oregon. Which counties are affected?
All counties
The carrier discontinuing offering renewing, offering and renewing health benefit
plan Oregon.
The carrier discontinuing offering renewing, offering and renewing health benefit
plan specified area(s) within Oregon. Which counties are affected? (closed block) ORS 742.003(4) Prior issuing notices:
Provide copy the notice DCBS for review prior issuing the notices the
policyholders. The notices must provide detailed information regarding the
policyholder options.
440-2896 (3/13/INS)
III.
REQUIRED SUPPORTING DOCUMENTATION
List all plans being discontinued modified and provide the number policyholders each
plan involved. (Attach additional page needed)
Plan and Form Number
Grandfathered
Yes/No
Name Insured Lives
ODSPPO-INDV 11-1-2012
Apex 1000 and 2500 plans
2885
ODSPPO-INDV 11-1-2012
Maximizer 1000, 2500 and 5000 plans
6956
ODSPPO-INDV 11-1-2012
Foundation 10000 and 5000 plans
321
ODSBENE-INDV 11-1-2012
Beneficial Rx, Value 1000,2500,5000,7500
17,221
ODSHD-INDV 11-1-2012
HSA 3000, HSA Choice, HSA Value
4090
ODS3T-INDV 11-1-2012
WellConnect Plan
357
IV. Items required filing, whether modification discontinuance: actuarial demonstration describing the changes benefits and/or rates.
Include chart showing claim cost percentages premium for all the added
discontinued benefits and/or services and the sum the changes. Note: the idea here prove modification (less than 10%) discontinuance (more than 10%). The same
service can have different dollar values depending other provisions such
deductibles. need the overall effect, best stated percentage including the
percentage for each item the list that represents the items portion the total premium. this information not included the filing, please provide written explanation.
Provide description the data (source and time period) used develop the value for
the benefits and/or services. list the changes the modification including side-by-side comparison showing the
previous benefit structure compared the new benefit structure. side-by-side comparison showing the new plan that will closest the discontinued.
Language changes that constitute benefit service change must included the
side-by-side comparison.
Provide statement why the changes are needed.
Carriers are subject 5-year ban from the Oregon market product line they elect
discontinue.
Small Employer ORS 743.736(12)
Large Group ORS 743.752(2)
440-2896 (3/13/INS)
Individual ORS 743.769(6)
PRSRT STD POSTAGE PAID
PORTLAND,
PERMIT NO. 1039
601 S.W. Second Ave.
Portland, 97204-3154
Formerly ODS Health



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