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COVID-19 information for regulated businesses and professionals

Emergency orders for insurers
Health insurance cost-sharing agreement
Telehealth guidance
Auto premium refunds and credits for Oregon customers
Auto insurance guidance for expired driver’s license and vehicle registrations
Guidance under personal automobile policies for delivery drivers
Providing assistance to borrowers
Securities registration via email
Work from home for non-depository licensees
Commercial liability for child care facilities
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Emergency orders for insurers

The Oregon Department of Consumer and Business Services have issued multiple emergency orders for insurance companies in response to the COVID-19 outbreak.

The orders apply to insurance companies providing health, property and casualty, long-term care, and life and disability insurance. The orders require insurers to:

  • Provide at least a 60-day grace period to pay any past-due premiums
  • Pay claims for any covered losses during the first 30 days of the grace period
  • Extend all deadlines for reporting claims and other communications, and provide members with communication options that meet physical distancing standards

The health insurance order is effective through June 3, 2020. The other orders are effective through June 23. All orders can be extended in 30-day increments as needed to address the COVID-19 outbreak.

Read the health insurance emergency order

Read the health insurance emergency order FAQs here

Read the P&C order here

Read the long-term care order here

Read the life and disability order here

Read the extension of the order for all other lines of insurance

*More information and FAQs will be provided soon*

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Health insurance cost-share agreement

Health insurance companies can review the division’s billing and claims guidance for more information.

The agreement means consumers with fully-insured individual and group health plans will not be charged co-payments, co-insurance, or deductibles related to COVID-19 for the following:

  • COVID-19 laboratory testing administered consistent with guidelines issued by the United States Centers for Disease Control and Prevention.
  • An in-network provider office visit or a visit to an in-network urgent care center to be tested for COVID-19.
  • An emergency room visit to be tested for COVID-19.
  • Immunization for COVID-19, once it becomes available.

Outside of these instances, regular terms of insurance such as co-payments, co-insurance, and deductibles will still apply.

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Telehealth guidance

The state expects health plans of all types to provide increased access to health care services through telehealth delivery platforms and to encourage patients to use telehealth delivery options to limit the amount of in-person health care services they seek. This includes commercial health plans regulated by DCBS and Medicaid health plans regulated by OHA.

Read the complete telehealth guidance here

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Auto premium refunds and credits for Oregon customers

Several auto insurance companies have been working with the division to provide auto insurance premium refunds and credits to Oregonians.

The refunds and credits are due to the reduced risk of auto accidents because of the Stay home, Save lives emergency order. The division has provided guidance for issuing the refunds and credits to help process filings and get money to consumers as quickly as possible.

The division encourages all carriers to consider providing refunds that reflect the reduced risk of auto liabilities due to the emergency order. This includes taking steps to reclassify vehicle usage and properly adjust mileage-based policy metrics.

Read the complete bulletin

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Auto insurance guidance for expired driver’s license and vehicle registrations

To provide immediate guidance to the insurance industry in support of Gov. Brown’s Executive Order and a recent DMV bulletin, the Oregon Division of Financial Regulation expects insurers to refrain from using the expiration of policyholders’ driver licenses or vehicle registrations to:

  • Change a driver’s eligibility for an insurance discount
  • Decrease a driver’s or business’s ability to secure and maintain auto insurance coverage
  • Change the rates charged to any driver or business

Read the full memorandum here

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Guidance under personal automobile policies for delivery drivers

The division is calling on insurers to extend coverage for personal delivery drivers, and to limit the application of commercial delivery exclusions during the COVID-19 outbreak. Insurance carriers are encouraged to file endorsements with the division, to allow for coverage to be broadened for those using personal automobiles to deliver essential goods for a fee.

This guidance is intended to affect drivers who do not have coverage for deliveries through their personal policies. It is not intended to affect drivers working for transportation network companies.

Read the complete bulletin

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Providing assistance to borrowers affected by the COVID-19 pandemic

This includes offering loan forbearance plans, fee waivers, and other deferred payment options.

The division considers these measures to be in the public interest and assures Oregon regulated lenders they will not be subject to regulatory criticism for making reasonable and prudent efforts to help borrowers who are temporarily unable to repay their loans due to the COVID-19 pandemic.

Read the complete bulletin for guidance on mortgages, loans, and financial institutions

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Securities registration via email

Due to the COVID-19 outbreak, the division is allowing securities registration, exemption, and covered filers to make filings and payments electronically.

Large files or filings containing protected personal identifying information should use Biscom. Email Sarah.K.Dicky@oregon.gov for access. Scanned initial and renewal applications, as well as any amendments, may be emailed to the examiner assigned to the filing or to securities.registrations@oregon.gov.

Credit card payments can be made through the cashiering hotline at 503-947-7891 or secure fax at 503-947-2333.

Check payments can be accepted by mail to

DCBS
Cashiering Unit
P.O. Box 14610
Salem, OR 97309

We are not accepting new ACH/wire transfer accounts at this time.

Read the letter for more information

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Temporarily working from home when it is not a licensed location

To support the efforts of loan originators and licensed companies to reduce the spread to COVID-19, the Oregon Division of Financial Regulation will temporarily allow mortgage loan originators and employees licensed mortgage lenders, mortgage loan servicers, consumer finance companies, payday/title lenders, and manufactured structure dealers to work from home when the home is not a licensed location. Certain criteria must be met.

Read the complete bulletin for details

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Commercial liability for child care facilities

Insurance companies may not withdraw from, fail to renew, or cancel any commercial liability line of insurance or class of business, such as a child care facility, without supplying appropriate written justification and approval by the Director of the Department of Consumer and Business Services.

Oregon Executive order 20-12 outlines the requirements which must be met for a child care facility to provide services. Specifically, child care must be carried out in a maximum stable group of 10 or fewer children, (stable means the same group each day), and in a classroom that cannot be accessed by children outside the stable group.

Child care facilities that comply with this executive order and follow the requirements for caring for children are not considered an increased hazard.

Read the complete memo here

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