Additional resources

The Oregon Department of Consumer and Business Services on April 21, 2017 filed a motion in Marion County Circuit Court to place Zoom Health Plan in receivership. Zoom Health Plan will continue to operate as usual, but will withdraw from the individual and small group insurance markets at the end of 2017. By acting as receiver, the state has the ability to formally manage the company and preserve assets to ensure policyholders are protected. Zoom Health Plan has agreed with the state that receivership is the best option.

The receivership does not impact Zoom+ Care, which operates neighborhood clinics throughout the Portland area.

All current individual policies will be canceled effective Dec. 31, 2017. Individuals will have an opportunity to find a new plan for 2018 when health insurance open enrollment begins on Nov. 1, 2017.

Group plans may expire at different times. Businesses with small group coverage through Zoom Health Plan should call their health insurance agent, and individuals with group coverage should contact their employer with questions.

On Oct. 10, 2017, DCBS, Zoom Health Plan, and Zoom Management, reached agreement to obtain funds to pay Zoom Health Plan’s member claims and liabilities. Zoom Health Plan is in receivership and working with the state to wind down its insurance business.

► View Global Settlement Agreement

The settlement agreement achieves the following:

  • Allows members to keep their current coverage through the end of the year.
  • Requires ZMI to pay ZHP $2.1 million in cash that will be used to pay member claims and company liabilities.
  • Fines ZMI, and company executives civil penalties totaling $285,000 to be paid to the state.
  • Establishes that ZHP and ZMI violated the insurance code.
  • Resolves the pending lawsuit and regulatory issues without further litigation.

Zoom Health Plan FAQs updated May 31, 2017

General Q&A

What is receivership?

The Marion County Circuit Court ordered Zoom Health Plan, Inc. into rehabilitation on April 21, 2017 after finding that the Company was impaired and that further operation of the Company would be hazardous. The Director of the Oregon Department of Consumer and Business Services was appointed as Receiver of Zoom Health Plan, Inc. Zoom Health Plan, Inc. will continue to operate as usual, but will withdraw from the individual, small group, and large group insurance markets at the end of 2017.

Why did the Court put Zoom Health Plan in receivership?

In early April, Zoom Health Plan notified the Division of Financial Regulation that it intended to stop offering health insurance plans at the end of 2017. It is typical for the Division to work closely with insurers if they are winding down operations in order to protect policyholders. After further discussion, the Division and the company came to the agreement that receivership was the best way to wind down the company and make sure policyholders are protected.

What if I have other questions?

For questions not addressed in this FAQ, please send an email to: customersupport@zhporegon.com

Q&A for Zoom Health Plan Members:

If I bought insurance through Zoom Health Plan, what will happen to my coverage?

The insurance you bought will remain in effect through December 31, 2017. In order to maintain your health insurance coverage you are required to continue to pay your premiums. All individual insurance coverage will expire December 31, 2017.

What if I have Zoom coverage through my employer?

Group policies may expire at different times. Employees should check with their employer to find out when their plan will change.

Can I continue to buy insurance through Zoom Health Plan?

No, Zoom Health Plan is no longer selling new or renewal policies. You need to find new health insurance to begin January 1, 2018. Individual open enrollment begins November 1, 2017. You will need to enroll in new coverage by December 15, 2017, to have insurance on January 1, 2018. Businesses should contact their insurance agent to select new insurance coverage.

Enrollees can, however, add a spouse or dependent to your policy through the end of 2017.

How can I enroll in new health insurance for 2018?

Open enrollment begins November 1, 2017. You must purchase new coverage by December 15, 2017, to have insurance on January 1, 2018.

There are many ways to shop for and enroll in new health insurance. You can compare plans and enroll through HealthCare.gov, with the help of an agent, or directly with an insurance company. You also can access HealthCare.gov to see if you qualify for subsidies to help you pay for premiums or other health care costs.

Businesses with small or large group coverage through Zoom Health Plan should call their insurance agent for help picking new health insurance.

Will my claims be paid?

Zoom Health Plan has committed to the Division that it intends to pay all claims incurred through December 31, 2017. The Marion County Circuit Court issued a receivership order that allows the Division to act as a Receiver and oversee Zoom Health Plan's business as it winds down and help ensure all claims are paid.

If you received care from an out-of-network provider you may be balance billed. Balance billing is a term that refers to your provider's ability to bill you for the remaining balance after your insurance pays. If you have questions about balance billing or believe you used an in-network provider and are being balance billed, please contact a Zoom Health Plan representative at (503) 912-9654.

Will this change my monthly premium with Zoom Health Plan?

No. Premiums will not change through the 2017 plan year. Your premium may change when you purchase new coverage from another company for 2018.

Should I keep paying my premium?

Yes. You must pay your premium through the end of 2017 to keep your current health insurance.

Can I still see my regular doctor and have prescriptions filled at the same pharmacy?

Yes. Zoom Health Plan's provider network is not changing. Once you shop for new coverage for 2018, check provider directories for the other companies to ensure your doctors and preferred facilities are members of those networks.

Can my doctor refuse to see me because of the situation?

No. Contracts between Zoom Health Plan and providers remain in force during the wind-down period.

Who can I contact for more information?

Contact Zoom Health Plan customer service at (503) 912-9654 or email us at customersupport@zhporegon.com

Q&A for Agents:

Will I still be paid the commissions owed to me?

Yes. Zoom Health Plan has assured the Division that it intends to honor all contractual obligations, including agent contracts, during the wind-down process.

Q&A for Providers:

Will I be paid for services I have provided?

Zoom Health Plan has committed to the Division that it intends to pay all claims incurred through December 31, 2017. The Marion County Circuit Court issued a receivership order that allows it to oversee Zoom Health Plan's business as it winds down and help ensure all claims are paid.

Will there be a delay in payments?

We do not expect a delay in payments. Zoom and the Division are working closely to ensure a smooth wind-down process with no interruption in services for members or providers.

Do we still have to provide care to Zoom Health Plan patients?

Yes. Zoom Health Plan has committed to the Division that it intends to pay all claims incurred through December 31, 2017. The Marion County Circuit Court issued a receivership order that allows it to oversee Zoom Health Plan's business as it winds down and help ensure all claims are paid.

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Contact information

Zoom customer service:
503-684-8252

DFR Consumer Advocacy:
888-877-4894 (toll-free)
Email: cp.ins@oregon.gov​​

David Sanders, Albert DiPiero, and Zoom fined $285,000 for violating Oregon insurance law (news release)​​​

Global Settlement Agreement

Zoom Health Plan Supervision Order​​​

Zoom Health Plan Receivership documents​​​​

Complaint - State vs. Zoom Management Inc.​​​​​​​​