Oregon

Oregon has on-paper rules mandating full transition coverage (including surgery) for private health insurance.

For personal help on Oregon insurance, contact the Oregon Consumer and Business Services Consumer Advocate Hotline for free assistance at 1-888-877-4894 or [mailto:cp.ins@state.or.us cp.ins@state.or.us].

What is covered?
Oregon odd

What is the process?
Basic Rights Oregon has an FAQ on this process, which will direct you to the Oregon Consumer and Business Services "Filing Complaints" page and their own, detailed FAQ. But you don't really need to read these because the process is just:


 * 1) Apply with your insurer for whatever it is you want covered. Assume you will be denied.
 * 2) Once you are denied, file an appeal with your insurer. If you call them they will explain how to do this.
 * 3) Next, you need to file a complaint with Oregon Consumer and Business Services. They will assign you a "Consumer Insurance Advocate", who will negotiate the appeal with the insurance company on your behalf.
 * 4) * To file a complaint, fill out the Consumer Complaint form online (or mail in the paper forms linked from the "Filing Complaints" page ).
 * 5) **Warning: Every so often the online form pops up a "are you still there?" box, and if you don't click "OK" the form will time out and erase itself. So don't walk away from the computer with the form part filled out!
 * 6) * You should ask the Consumer Insurance Advocate Hotline for help while you are filling out this form; you can contact them at 1-888-877-4894 or [mailto:cp.ins@state.or.us cp.ins@state.or.us]. The Consumer Insurance Advocate Hotline can also be contacted if you get stuck at any point in this process.
 * 7) ** If you contact the Consumer Insurance Advocate Hotline and they seem confused about what you are asking for, make sure to mention "Oregon Insurance Division Bulletin INS 2012-01" by name and explain this is the benefit you are calling about.

Legal basis

 * SB 2 aka The Oregon Equality Act, a 2007 law
 * Oregon Insurance Division Bulletin INS 2012-01, a December 2012 state advisory bulletin building on the 2007 Oregon Equality Act as well as the Oregon Unfair Trade Practices Act.