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.

Zoom Health Plan FAQs

General Q&A

What is receivership?

Receivership is a court-ordered proceeding to protect the interests of the policyholders of an insurance company as well as creditors and the general public. When acting as receiver, the state has increased ability to preserve assets and make sure policyholder claims and other liabilities are paid.

Why did the state put Zoom Health Plan in receivership?

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

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 Dec. 31, 2017. You are required to continue to pay your premiums. All individual insurance coverage will expire Dec. 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. You need to find new health insurance to begin Jan. 1, 2018. Individual open enrollment begins Nov. 1, 2017. You will need to enroll in new coverage by Dec. 15, 2017, to have insurance on Jan. 1, 2018.

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

Businesses should contact their insurance agent to select new insurance coverage.

How can I enroll in new health insurance for 2018?

Open enrollment begins Nov. 1, 2017. You must purchase new coverage by Dec. 15, 2017, to have insurance on Jan. 1, 2018.

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

Businesses with small or large group coverage through Zoom Health Plan should call their health 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 Dec. 31, 2017. The division issued a supervision order that allows it to oversee Zoom Health Plan's business as it winds down and ensure all claims are paid.

Oregon law holds consumers harmless if an insurance company does not pay for covered services within the state. If Zoom Health Plan fails to pay claims, Oregon providers cannot seek payment from patients.

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 coverage from another company for 2018 coverage.

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 should remain in force during the wind-down period.

Who can I contact for more information?

Contact Zoom Health Plan customer service at 503-684-8252 or the Oregon Division of Financial Regulation advocates at 888-877-4894 (toll-free).

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 Dec. 31, 2017. The division issued a supervision order that allows it to oversee Zoom Health Plan's business as it winds down and 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 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 Dec. 31, 2017. The division issued a supervision order that allows it to oversee Zoom Health Plan's business as it winds down and ensure all claims are paid.

​​​​​​

Contact information

Zoom customer service:
503-684-8252

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

Zoom Health Plan Supervision Order​​​

Zoom Health Plan Receivership documents​​​​

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